First and Second Mortgage Loans Working for You Financing your custom home shouldn't be a project in itself. That's why America's First Home Mortgage is offering you an easy way to start building the home of your dreams. As one of the nation's leading lenders, we can help you put together a loan package perfectly suited for your custom home. America's First One Home/One Loan Program Most lenders require separate construction and permanent loans for your custom home. With America's First One Home/One Loan Program, we can arrange financing up front, with one loan. That means one application, one closing, and most importantly, one set of closing costs. You can select either a fixed or adjustable rate, with a 15 or 30 year term. Plus, you can choose from two rate options. A single rate option secures your rate both during and after construction is complete, and covers the full term of your loan. If you select the special roll down rate option, you can take advantage of a lower interest rate after construction is completed, if rates have dropped. Making It Simple for You At America's First, we have ways to make financing your custom home easier and more affordable. You'll find competitive interest rates, and a full staff of loan professionals who can help you find the right financing for your home. Getting Started Is Easy Our local branch staff is ready to pre-qualify you, making it easier to start construction on your dream home. Our branch managers have full loan authority, so there's never a long wait. And, because we process, approve, and close your loan in your neighborhood, you can always count on fast answers.