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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 / 4.25% Interest
  • Principal & Interest $949
  • Property Tax $250
  • Homeowners Insurance $58
  • Mortgage Insurance $84

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.


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

Let's accomplish more together.

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