You've worked hard to build equity in your home. And if you're looking to make the most of this resource, America First has a product to fit your needs.
For a limited time, you’ll benefit from introductory rates as low as 3.49% variable APR* on a new home equity line of credit. It's a great way to get the cash you need when it’s needed. Apply today.
*Variable annual percentage rate, on approved credit, subject to change, eligibility, terms & conditions. Click here for details.
For a limited time, you can save even more with an exclusive .25% APR** discount on a low-rate home equity line of credit.
Our home equity lines of credit -- or HELOCs -- are open-end loans based on the value of your residence minus your mortgage balance. Eligible members can use these funds for substantial home improvements, large expenses and other needs.
We offer standard options that let you draw from up to 80% of your home's equity, whereas our ideal line allows you to borrow up to 100% of the value.
Other America First HELOC benefits:
For the lowest possible monthly payment, our Interest-Only Home Equity Line of Credit gives you control. Apply today for an interest-only home equity line of credit and use the equity you've built up in your own home to fund that next major expense.
Ideal for members with at least 20% equity in their home looking for increased short term cash flow. We offer low variable rates with interest-only payments for the first 5 years for greater convenience. Ask one of our representatives about getting started
Ideal for members with at least 20% equity in their home who prefer rates staying fixed throughout their loans' terms. This unique, no-closing-costs line starts with a low rate based on Prime. At the end of the initial five-year period, the rate adjusts, then stays fixed for another five years. This is a great way to fund improvements you plan to pay for quickly or invest in whatever your family needs, with peace of mind regarding market fluctuations.
This option is ideal if you prefer easy access to your funds and the ability to draw as you see fit. And you can do it with no closing costs. You can borrow up to 80% of your home's value, minus your mortgage balance. Other benefits are:
With this loan, you can borrow up to 100% of your home's value, minus your mortgage balance. That means you'll have the resources you need...when you need them. Advantages include:
*Please consult a tax advisor regarding the tax deductibility of interest and charges related to your Home Equity Loan.
**Discounted Annual Percentage Rates (APRs), may apply on approved credit. Eligibility & conditions apply. Available on 80% or lower loan-to-value (LTV) products. Qualifying members must have current America First long-term or home equity first mortgages. Not available on interest-only & non-owner-occupied HELOCs. Discount remains in effect for loan's full term.
Make the most of the equity you've been building with our loans and lines of credit.