We offer Incredible terms;

• 10-year fully amortizing
• 20-year amortization with a five-year balloon
• 30-year amortization with a five-year balloon

Financing options:

• Up to 80% for purchase on fully improved residential lot where future owner-occupied home is to be considered.
• Up to 70% for rate and term refinances on fully improved residential lot where future owner-occupied home is to be constructed.
• Up to 65% for purchase or refinance on fully improved residential lot held for investment.
• Up to 50% for cashout refinance on fully improved residential lot where future owner-occupied home is to be constructed. Maximum cash amount is $25,000.
• Lot must be free of structures.

We'll make it happen with low fees:

• Origination is only 1.00% and you could receive a rebate
• Talk with a loan officer for details about credit reports, document preparation, and flood certification
• Appraisal varies based on area
• Choose your own title company

Easy documentation:

• Purchase contract (if applicable)
• Most recent pay stubs and W2's for previous two years
• Tax returns if self-employed
• Two month's financial institution account statements

Available in Arizona, Idaho, Nevada, New Mexico, and Utah. Certain criteria apply. Please ask us for details. Member-direct lending only.

We offer:

• Low, competitive rates
• Once construction is complete, you're qualified for a 0% origination fee on your long-term loan with America First
• Up to 80% of acquisition cost
• Flexibility on down payment requirements - see loan officer for details

And we'll make it happen with:

• Twelve-month term, with extensions available

Low fees:

• Origination fee is only 1.00%
• Processing fee: $595 - No additional underwriting, processing or document preparation fees on long-term loans
• Appraisal: $500 or current cost
• Inspection fee:  From $1,620 
• Course of construction insurance: Varies
• Title policy costs: Based on loan amount
• Recording: According to area where building takes place

Easy documentation:

• Long-term approval (loan officer will obtain)
• Construction cost breakdown
• Contract with builder
• Copy of builder's license
• Evidence of lot purchase, if applicable
• Plans and specifications for the home to be constructed

Available in Arizona, Idaho, Nevada, New Mexico, and Utah. Certain criteria apply. Please ask us for details. Member-direct lending only.

*Certain criteria apply. Please ask us for details. Member-direct lending only.

We offer:

• Low, competitive rates
• Once construction is complete, you're qualified for a 0% origination fee on your long-term loan with America First
• Up to 80% of acquisition cost
• Flexibility on down payment requirements - see loan officer for details

And we'll make it happen with:

• Nine-month term, with extensions available

Low fees:

• Origination fee is only 1.50%
• Processing fee: $595 - No additional underwriting, processing or document preparation fees on long-term loans
• Appraisal: $500 or current cost
• Inspection fee: From $1,215
• Course of construction insurance: Varies
• Title policy costs: Based on loan amount
• Recording: According to county where building takes place

Easy documentation:

• Self-build qualification
• Construction cost breakdown
• Long-term loan from America First
• Evidence of lot purchase, if applicable
• Plans and specifications for the home to be constructed

Available in Arizona, Idaho, Nevada, New Mexico, and Utah. Certain criteria apply. Please ask us for details. Member-direct lending only.

*Certain criteria apply. Please ask us for details. Member-direct lending only.

We offer:

• Competitive interest rates
• Financing up to 95% of acquisition cost*
• Down payment flexibility
• Twelve-months term, with extensions available

Low fees:

• Origination: 1.50% - waived on long-term loans
• Underwriting: $595 - no additional underwriting, processing or document preparation fees for long-term financing
• Appraisal: $500 or current cost
• Inspection: From $1,620 
• Course of construction insurance: Varies
• Title policy: Based on loan amount
• Recording: According to county where building takes place

Easy documentation:

• Construction cost breakdowns
• Lot purchase evidence, if applicable
• Home construction plans and specifications

Available in Arizona, Idaho, Nevada, New Mexico, and Utah.

*Certain criteria apply and are subject to change. Member-direct lending available on approved credit. Loan-to-value requirements based on eligibility, terms & conditions. For a 95% LTV construction loan at 9% APR you will make one lump sum payment at the end of the loan term which will be included in your long-term financing.

We offer:

• Competitive rates
• Acquisition cost financing* up to 80%
• Down payment flexibility
• 12-month terms, with extensions available

Low fees

• Origination: 1.50% - waived on long-term loans
• Appraisal: $500 or current cost
• Inspection: from $1,620
• Processing: $1,595
• Course of construction insurance: Varies
• Title policy: Based on loan amount
• Recording: According to county where building takes place

Easy documentation:

• Construction cost breakdowns
• Lot purchase evidence, if applicable
• Home construction plans and specification

Available in Arizona, Idaho, Nevada, New Mexico, and Utah.

*Certain criteria & requirements apply and are subject to change. Member-direct lending is available on approved credit. Loan-to-value ratios are based on eligibility, terms & conditions. For an 80% LTV construction loan at 9.00% Annual Percentage Rate (APR), you will make one lump sum payment at the end of the loan’s term, which is included in long-term financing.