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State License: AZ #913103

Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!

With AmeriFirst Financial you're in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.

Competitively Priced Loan Programs:

  • Home Affordable Refinance Program (HARP) Disclaimer
  • Purchase, Rate and Term Refinance, and Cash-out Refinance Programs
  • Fannie Mae Conventional, High-balance and Adjustable-Rate Mortgages (ARMs)
  • Jumbo, Portfolio & Investor Products

We're here for you, ready to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

Mortgage Calculator

Buying a home is a big investment with expenses you may not have thought about. Use our mortgage calculator to estimate your mortgage payment, including taxes and insurance.

Please enter a valid home price


30-Yr Fixed / 0% Interest
  • Principal & Interest $0
  • Property Tax $0
  • Homeowners Insurance $0
  • Mortgage Insurance $0

Additional Calculators

How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.

Mortgage Principal Calculator
This calculator allows you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.

Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

Mortgage Length Calculator
This calculator will help you to determine your savings if you make larger monthly payments.

What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.

Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.

Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.

See what people are saying about us

Justin and his team were available 24-7 to help and answer any and all questions. Highly recommend him. Richard Colabelli Richard Colabelli Retired Law Enforcement
Justin was wonderful I fully recommend him. Nicholas DeFilippo
Justin and his team always go above and beyond to get the deal done. Smooth refi and very pleased! Ricardo Ribeiro
Justin goes above and beyond while working with him. He’s readily available, and it truly feels like he has your best interest in mind! Anonymous
Justin and his team did an amazing job helping me obtain the house of my dreams for my family. Joe Berk
Answered all my questions and guided us thru the homebuying process, as first time homebuyers. Hector Public works
Thank you to Justin and his wonderful team! Justin took the time to answer many questions in length before we even decided to commit! He made the entire process smooth and stress free! If they can accomplish that during a pandemic there is absolutely nothing that can get in their ... READ MORE Lisa Wicinski Customer
Justin was a pleasure to work with. He and his team worked hard to get us the best possible rate. Justin is professional, knowledgeable and reliable. He responded back to our calls, texts, and emails quickly and helped us get through the paperwork step by step. He and his team were ... READ MORE Rebecca Montalvo
this is the second time I have used Justin - this time for a refi and as usual, he was informative, easy to work with as well as his co-worker, christopher. I highly recommend Justin and have to my friends and family. Can't get a better guy who understands the rates, the ... READ MORE Lisa Vassallo
Justin made the whole home buying process a breeze and if you honestly listen to what he tells you ,everything will go smooth. Justin is honestly a person to find the best scenario for you or you and your family. Broc Rhinehart Contractor
Justin and his team we’re excellent! The best part was he said what he was going to do in a certain time frame and he did it without fail. I’m real estate you look for people who are going to give you the honest truth and help you succeed in what it is your trying to ... READ MORE Parrin Robinson Parrin Robinson Supervisor LA County
I am very happy to recommend justin vaught to anyone wanting to purchase a home.. my experience was great.. the house i wanted went on the market and I told him I wanted that one and he went above and beyond to make sure that I got it even when the house had plenty of other offers.. ... READ MORE Joe L Figueroa customer
I highly recommend Justin Vaught and the Amerifirst team. They handled our refinance brilliantly. Communication is of the upmost importance when going through this type of transaction and I always knew where things stood with them. This is our third transaction with Justin Vaught, ... READ MORE N. Robinson N. Robinson State Government
Justin Vaught and his team at Ameri-First Mortgage got the job done! They were on top of all the current loan regulations, and took the time to explain all of the questions we had. They were by our side every step of the way! The turn around time was 30 days or less. If you are ... READ MORE Mark Barden
Justin Vaugth ; did an excellent job With the refinance of my house always available to help me with Questions I had with all the tasks, Chris Martinez was very helpful Too making sure I provide them With all the documents needed Everything done over the phone And email , ... READ MORE Jose Luis Solis Set dresser at local 44
Justin was very professional and stuck with me and helped me from start thru the purchase of my home. Justin was quick to respond and helpful with all my questions no matter how trivial they sounded. I would re commend justin for your home or any real estate purchase if you want ... READ MORE Lurene dodson
Highly recommend Justin for all your home financing needs. Justin doesn’t hesitate to reach out and spend time helping you wether you are just checking on options or ready to finance. Justin and his team made our most recent home buying experience seamless. CATHY OBRIEN Billing and Collection Manager
I can’t say enough about Justin and his team. They walked me through the refinance process every step of the way during a very difficult time in my life. Never did I feel like I couldn’t trust in him/them as they met all my needs. I never felt like I couldn’t ask ... READ MORE Rosa RN
Highly recommend Justin for all your home financing needs. Justin doesn’t hesitate to reach out and spend time helping you wether you are just checking on options or ready to finance. Justin and his team made our most recent home buying experience seamless. Renee Klix
Justin and his team were absolutely incredible. This is the 3rd time he's helped us and we wouldn't use anyone else. They are on the ball and timely and super friendly and helpful. Couldn't possibly recommend any more!!! Dr. Benaifer Preziosi Oral Surgeon
Was very pleasant to work with and took great care of us through out the whole process and insured we were taken care of, would recommend them to anybody buying a home. Robert Hyatt Field Superentendent
Ameriferst is the best! Justin and his team got us the best rate for our refinance and improved our financial situation immensely!! Our mortgage loan officer,Chris Martinez, was very professional and worked in a timely manner to bring our loan to closure. Thank you for a pleasant experience! Nick and Donna Martinez
Justin did an excellent job to get my family and I a home we love and enjoy in a timely manner. Even during the holiday season I would still receive emails and paperwork to speed up the process with no error. Justin took the time to explain any part of the process to us and break down ... READ MORE Jonathan Sandwick Jonathan Sandwick Jonathan Sandwick

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