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State License: AZ #950948

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.

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

Monica did a fantastic job and whole process was seamless. I would recommend Monica to anyone in the future who would to want refinance their home. Great Job! Ron Hudson Ron Hudson Strategic Sales Development Manager
Monica is very responsive and answered all my questions in a very timely manner. She is available almost every time I had a question, and if she did not answer immediately, she would follow up soon after. As a new home owner, I had Monica explain to me many different aspects about the ... READ MORE Jason Kwan New Home Owner
Monica was great and made the refinancing process very smooth and easy. Would definitely recommend her to anyone looking to refi. Andrew Jachowski
Monica was amazing through the entire refinance process. She made sure we had everything in a quick timely manner and got us the best rate!!! So thankful this process was easy and smooth! Heather Ames
I'm a Realtor, so I know a job well done when I see one! Monica is 100% on point at all times! I highly recommend her for any and all of your home financing needs! Thank you Monica! For such a Smoothe REFI! Luke Van Wyhe Luke Van Wyhe Realtor
Monica's was absolutely fantastic to work with on refinancing our home. Her team provided extremely attentive guidance and instructions to make refinancing painless while reaching our ultimate goal of lowering our mortgage by almost $300. Our family highly recommends using Monica ... READ MORE John Pollard Lt Colonel
My refi experience was extremely easy and smooth. I couldn’t believe the great rate I received and how convenient Monica made it. She gives advise that you can trust and always has her customers best interest in mind! Andrea Tepfer
Monica did a great job on my new home loan. It was easy to work with her and Sara, and I was able to get the best possible rate. I recommend Amerifirst and Monica for new loans and refi's. Eric Butcher Eric Butcher Professor
Monica is a great person. She was very helpful throughout the entire process, I couldn't have asked for anyone better!! Greg Nix Greg Nix
Monica was easy to work with, very attentive, knowledgeable, as was her staff. I would recommend her. David Krueger Home owner
After I decided to get my house refinanced, Monica was available to answer all my questions and the process went smoothly. I was even able to sign the closing papers in my own home. I appreciate her professionalism and would would recommend her to any one regarding their Mortgage. Bona Bates
Appreciate her level of communication and ability to get back to us with any questions we may have in a timely manner! Truly makes an effort to make the deal happen!! john m wanca buyer
From day one Monica was awesome! She never judged our past credit history and was very informative and answered all our questions throughout the process. She was encouraging and would say the right home is out there and it was! We are so thankful for Monica and her team for financing ... READ MORE Jimmy and Giana Avila Jimmy and Giana Avila New Home Owners
Monica was the loan officer I was put in contact shortly after a previous lender gave me a denial letter. Monica was able to get us to close on the house we had picked. She worked late hours to ensure everything was in place. Her endless efforts to ensure we could purchase our house ... READ MORE Jonathan Acuna Jonathan Acuna Buyer
I enjoyed working with Monica. She was friendly, professional and made my loan request very easy. She was quick to respond to any questions I had. I would highly recommend Monica as a Mortgage Loan Officer. Julie Endlich
Monica Traynor spent so much time working with us so we could understand our options to refinance. She knew the personal goal for our family and planned with that in mind. She was so wonderful to work with and made us feel comfortable with the process. I have recommended her to all ... READ MORE Dora McKenzie
Monica was a great help to me! She was always there for me to explain and follow through with any questions I had. She made a difficult process understandable and less stressful for me. Gayle Russell
Monica helped us refinance our home. She made the process easy and was able to save us $400 per month. She is so professional, yet has such a positive attitude and caring spirit . I highly recommend her! Sherrie Koehler
Monica was great. She was very patient with me and helped me through the process every step of the way. Thank you Maria deason
Monica is a top notch!!! she worked diligently to get us the rate. thank you so much for your hard work and honesty through this process. you wont be disappointed with the time and effort she puts in. Bobby & Keri West
Monica is helpful, honest & efficient. My loan was being processed when the covid19 pandemic hit in March 2020. She was so kind & understanding. She was the epitome of efficiency & had the loan processed in 3 weeks! I have already recommended her to family and friends ... READ MORE Susan Swannack Susan Swannack Assistant Director, Frontline Educator Substitutes
If we could give Monica and her team 10 stars we would!! Her team runs seamlessly which made the whole process much quicker and faster than we anticipated!! We were particularly impressed with how knowledgeable Monica is in both the financial sector and with the real estate markets so ... READ MORE James and Erin Wood
Very pleased with services provided by Monica & Sara. Although several complications were encountered during the processing of the transaction she and Sara always came through and got the job done. Would highly recommend them to handle your transaction. Dennis E. Smith President D & D Renovations, President DenBar Associates
I have been in the mortgage industry for 20+ years and I have never had a smoother transaction. Oh and did I mention I closed in 12 days! Yes that is right 12 total days from application to funding. Monica was instrumental with getting that done. She communicated with me every step of ... READ MORE Lindsey Johnson Customer
Monica’s skill is eclipsed only by her energy and enthusiasm. She truly cares about making decisions that are best for our family - not just her bottom line. If you’re looking for a passionate partner to help you finance or refinance, we strongly recommend you consider ... READ MORE Nicole McTheny Director of marketing
Monica was wonderful to work with from start to finish. She kept me updated all along the way and found the best option for me. I felt like she was honest with me and she listened to what I wanted. I highly recommend Monica. Marie Rich
Monica helped make our home buying experience very easy and stress free. This was our first home and she made sure that we took the proper steps during the Mortage process. She educated us, sent us Valuable info, made sure we didn’t overreach and answered every question we had. ... READ MORE Andrew Hannon & Jess Hannon
Monica went out of her way to help us with our refi! Great job - thank you! William D Kruger William D Kruger Farmers Agent, owner

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