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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.

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


No Closing Costs First Mortgage

  • Our no closing costs first mortgage provides you with the ability to refinance up to 80% of your mortgage at five-, 10-, 15- or 20-year terms, with much lower rates...and without the closing costs!
  • Learn more.

Adjustable-Rate Mortgages

  • 5/6-month option - interest rates are fixed for five years, then may adjust every six months thereafter.
  • Rates may increase or decrease after fixed period, according to an index & margin.

Government Loans

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

Construction & Lot Loans

  • Building lot loans. 
  • Home construction program. 

Refi Rates

Government Refinance

Refinance & Save

How much can you save by refinancing your Mortgage Loan with America First? Let's take a closer look.