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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.

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.


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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