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Mortgage Refinance
Mortgage Refinance

Mortgage Refinance

Mortgage Refinance

Mortgage Refinance
Mortgage Refinance
Mortgage Refinance

Interested in lowering your monthly payment?

Begin your free consultation & get preapproved

  • Discover how much you can borrow
  • View current rates
  • Choose the right loan
  • Find the lowest monthly payment
  • No obligation
SEE OUR RATES

Interested in lowering your monthly payment?

SEE OUR RATES
Mortgage Refinance

Begin your free consultation & get preapproved

  • Discover how much you can borrow
  • View current rates
  • Choose the right loan
  • Find the lowest monthly payment
  • No obligation

For questions about refinancing your current mortgage or to get current refinance interest rates, please call 1-866-224-2157.

VIEW ALL RATES

No Closing Costs First Mortgage

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  • Refinance up to 80% of your mortgage
  • 5-, 10-, 15- or 20-year terms
  • Lower rates
  • No closing costs

Government Loans

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  • FHA 15-year fixed, FHA 30-year fixed, VA 15-year fixed, VA 30-year fixed
  • Utah Housing options

Construction & Lot Loans

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  • Building lot loans
  • Home construction program.

Refi Rates

OUR PRODUCTS
INTEREST RATE
5.75%
DISCOUNT POINTS
-0.125%
APR* (AS LOW AS)
5.958%
INTEREST RATE
6.0%
DISCOUNT POINTS
0%
APR* (AS LOW AS)
6.148%
INTEREST RATE
6.125%
DISCOUNT POINTS
0%
APR* (AS LOW AS)
6.243%
INTEREST RATE
6.75%
DISCOUNT POINTS
0%
APR* (AS LOW AS)
6.842%

* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI). All rates are effective as of Wednesday, April 23, 2025 12:00 AM MST.

PRODUCT INTEREST RATE DISCOUNT POINTS APR* (AS LOW AS)
10 Year Fixed Refinance 5.75% -0.125 % 5.958%
15 Year Fixed Refinance 6.0% 0 % 6.148%
20 Year Fixed Refinance 6.125% 0 % 6.243%
30 Year Fixed Refinance 6.75% 0 % 6.842%
* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI). All rates are effective as of Wednesday, April 23, 2025 12:00 AM MST.

Government Refinance

OUR PRODUCTS
INTEREST RATE
6.25
DISCOUNT POINTS
0
APR* (AS LOW AS)
7.198
INTEREST RATE
6.25
DISCOUNT POINTS
0
APR* (AS LOW AS)
7.192

* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. The information provided assumes the purpose of the loan is to refinance a primary residence, single-family mortgage loan in Utah with a Loan-to-value ratio of 60% with no cash out. The rate-lock period is 40 days and the assumed credit score is 740. Actual rates, fees, and APRs may vary based on these and other factors. There may be additional fees assessed by the investor that will increase the APR. All rates effective Wednesday, April 23, 2025

PRODUCT INTEREST RATE DISCOUNT POINTS APR* (AS LOW AS)
VA 30 year Refinance 6.25% 0 % 7.198%
FHA 30 year Refinance 6.25% 0 % 7.192%
* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. The information provided assumes the purpose of the loan is to refinance a primary residence, single-family mortgage loan in Utah with a Loan-to-value ratio of 60% with no cash out. The rate-lock period is 40 days and the assumed credit score is 740. Actual rates, fees, and APRs may vary based on these and other factors. There may be additional fees assessed by the investor that will increase the APR. All rates effective Wednesday, April 23, 2025

We're Here to Help You

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At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve. 

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