Investment Property Loans

Getting Started is Easy

America First has low-rate financing options for your complete financial needs.




What's an investment property loan?

America First Credit Union offers investment property loans for those members who own a home, but the home is not their residence. You can use the funds for any number of reasons. You may be interested in refinancing your existing loan, consolidating debt, buying a second home or an additional investment property, including residential properties and vacation properties. To learn more, please contact one of our loan originators at any branch.


Before You Lend On Your Investment Property, Do Your Homework

Lending on real estate is like any kind of loan - it's wise to do your homework and assess both the benefits and the risks involved. If you've been thinking about lending on your investment property, consider the following:

Term Loans

  • Fixed interest rates up to 10 years (120 months) or variable interest rates up to 15 years (180 months)
  • Available at 80% CLTV or less
  • Members pay all closing costs
  • No Reconveyance fee
  • Minimum loan amount of $5,000

Line of Credit

  • Available at 80% CLTV or less
  • Members pay all closing costs
  • High credit-limit potential
  • Low variable interest rates
  • Closed-end products with fixed-rates up to 10 years (120 months) or variable-rates up to 15 years (180 months)
  • Available at 80% CLTV or less
  • Members pay all closing costs
  • No Reconveyance fee
  • Minimum loan amount of $5,000
  • Income verification
  • Two years of tax returns (if self-employed)
  • A current statement showing the balance of your first mortgage
  • This year's property tax notice or current appraisal
  • Homeowner's insurance statement

Product Term APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, April 3, 2017 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18% and require homeowners' insurance. A reconveyance fee may apply if reconveyed within 24 months.
65% Home Equity Non-Owner 15 Years 4.74% Variable
65% Home Equity Non-Owner 10 Years 5.24% Fixed
80% Home Equity Line of Credit   4.24% Variable
80% Home Equity Line of Credit Plus   4.49% Variable
80% Home Equity Non-Owner 15 Years 4.99% Variable
80% Home Equity Non-Owner 10 Years 5.38% Fixed

Maximize your Investment

Make the most of the equity you've been building with our loans and lines of credit.

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