LOANS ACCOUNTS SERVICES VISA BUSINESS ABOUT LEARN Search LOGIN Main Content home / home equity loans / home equity (first mortgage) – no closing cost HOME EQUITY (FIRST MORTGAGE) – NO CLOSING COST This is a great product if you're looking to refinance at a five-, 10-, or 15-year term, or with a 20-year balloon—and you don't want to pay any closing costs. When you take advantage of this loan, you'll get: No closing costs Lower payments or the ability to pay off your balance more quickly Competitive interest rates Possible tax benefits* Free financial calculators Applicable terms and conditions Documents that will help expedite the review process *Please consult a tax advisor regarding the tax deductibility of interest and charges related to your Home Equity Loan. VIEW 50% LTV RATES VIEW 80% LTV RATES No Closing Costs, No Hassles Refinance with America First and shorten your term. INSTANT APPROVALS Become a Member Apply for Loan Find Location Contact Us LATEST NEWS America First Credit Union surprises Corner Canyon student with $3,300 for Food Drive Challenge Nov 18, 2021 - Press Releases America First Credit Union Attains No. 1 SBA Ranking in Utah District Nov 17, 2021 - Press Releases America First Credit Union Reveals First Corporate Partnership in Reno Market Nov 8, 2021 - Press Releases Nominations Sought for Vegas Golden Knights, America First Credit Union Game-Changer Program Award for Educators Nov 2, 2021 - Press Releases Proposed IRS Reporting Requirements Oct 25, 2021 - News More news... UPCOMING EVENTS No Upcoming Events More events... INFORMATION America First Credit Union PO Box 9199 Ogden, Utah 84409 1-800-999-3961 Routing & Transit Number: 324377516 Start your career at America First VIEW CURRENT OPENINGS ©2021 America First Credit Union. All Rights Reserved. America First Federal Credit Union does business as (DBA) America First Credit Union. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. America First Credit Union respects your privacy. Please view our Privacy Policy, Email Opt Out Procedure and Fraud Alert Text/SMS Notification Terms and Conditions. This credit union is federally insured by the National Credit Union Administration.