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Buy a Home

Here to make the process simple.

Mortgage Solution Center View Rates

We’ve got experts to help you.

Buying a home can be an overwhelming process. It’s one of the most important purchases you can make for your lifestyle, future, and bank account. It can be difficult to understand how the process works, from finding a house to escrow and closing costs. That’s why we are ready to help you not only purchase the new house, but also to understand the entire purchase process.

  • We’ll help you understand the process

  • Conventional fixed rate and adjustable rate (ARM) options

  • FHA, VA, and USDA programs

  • Second home and investment properties

Rates as low as APR*

View rates

Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Mortgage Amount
$
$
Annual Percentage Rate (APR)
%
Term
Advanced Options
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This calculation represents an estimate.

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Low rates. Generous terms. Reasonable payments.
That’s our AmFirst promise.

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FHA Loans

Federal Housing Administration (FHA) loans are insured by the federal government, and generally come with a lower down payment and less requirements. FHA loans require Mortgage Insurance Premium (MIP) and a minimum credit score. We’d love to talk about qualifying for an FHA loan!

VA and USDA Loans

Veterans Association (VA) loans are offered to qualifying veterans and their surviving spouses. There are certain credit score requirements, but no income restrictions. USDA loans, offered through the Department of Agriculture, help borrowers obtain property in rural areas. There are certain income restrictions which determine eligibility. Let’s talk about whether you qualify for either of these loans.

Let's talk property.

Whether you're ready to buy or just want to talk about the process, give our real estate team a call or visit our online mortgage solution center.

Mortgage Solution Center

Call 1-800-633-8431 ext. 4163

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You might also be interested in...

Home Buying Resources
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Home Equity Lines of Credit
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Refinance a Home
Learn More

Advanced Options

Property Tax Rate

The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.

%

Homeowners Insurance (Monthly)

The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.

$

HOA Fees (Monthly)

These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.

$

Private Mortgage Insurance Rate

The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.

%

Disclosure

This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.

Rates

Home Loan Rates

Rates effective as of: December 21, 2024

*APR=Annual Percentage Rate

**Up to 90% LTV - These rate offers are subject to change. Rates displayed are the "as low as" rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates quoted require a loan origination fee of 1.00%. This is not an offer of credit and is subject to the terms and conditions of America’s First Federal Credit Union, not all borrowers will qualify, subject to approval and underwriting standards, restrictions may apply.

A 5/1 adjustable-rate loan of $100,000 for 30 years at 5.250% interest and 9.701% APR will have an initial monthly payment of $552.20 and a maximum monthly payment of $910.38.
A fixed-rate loan of $100,000 for 15 years at 5.250% interest and 5.562% APR will have a monthly payment of $803.88.
A fixed-rate loan of $100,000 for 30 years at 6.250% interest and 6.447% APR will have a monthly payment of $615.72.
A fixed-rate loan of $100,000 for 30 years at 6.750% interest and 6.956% APR will have a monthly payment of $648.60.
A fixed-rate loan of $100,000 for 30 years at 5.990% interest and 6.188% APR will have a monthly payment of $598.91.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.

***100% LTV subject to loan limits.
***Up to 100% financing with no PMI, Maximum loan amount up to $300,000, Home-buyer's education class required.
The interest rate, Annual Percentage Rate (APR) and origination fees are subject to change without notice and will depend on creditworthiness and loan-to-value ratio. This program is available to consumer members only and the subject property must be a member’s intended primary residence. Members must meet underwriting criteria and are subject to approval and verification of income, credit and availability of funds for closing costs. Escrow of property insurance and property taxes is required. Applicants must complete home-buyer’s education class prior to closing. Program may be discontinued at any time.

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Rates effective as of: December 21, 2024

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New fee for loan payments:

Starting on January 1, 2023, there will be an $8.00 transaction fee for loan payments when members pay with a debit card.

If you are making a loan payment using your checking account and routing number (ACH) there will continue to be no transaction fee. Also, there will continue to be no transaction fee if you are using the transfer function in Online Banking to make a payment.

For questions, please give us a call at 205-320-4000.

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