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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 / 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

Veronica and her staff are very polite made every run smooth and easy was informative on the things I didn't understand I would definitely recommend her and her staff it was an awesome experience Pablo gonzalez
I would highly recommend Veronica and her team when purchasing a home! They made the process very simple and respond to your every question. Blanca Ochoa
Veronica and her amazing team we're there for for me and my husband all the time. She was available after hours. I highly recommend her and het team. Thank you guys for your help!!! Maria perez
Veronica and her team are very efficient in their work, always waiting to answer any questions. Thanks a lot. OSCAR LEON
I would highly recommend Veronica Barajas and her team at Amerifirst financial inc. when refinancing a home mortgage. They made the process super easy and answered all of my questions. They worked diligently to get me the best APR on the market. Everything was done via email which made ... READ MORE Omar Esquivel Social Worker
Veronica and her team worked super quickly and efficiently. Their communication is timely and clear, we enjoyed working with them very much. Laura M
I would highly recommend Veronica and her team when purchasing a home! They made the process very simple and answered every question. They worked with my work schedule and were able to make it happen! I will be going back for any future home loans. Luis Gerardo Perez Ortiz
Veronica and her team were very helpful which made buying our first home a simple process. Doing just about everything online and through email made things so much easier for my husband and I. I truly recommend Veronica Barajas as she is a great loan officer is very knowledgeable. Villafana Family
I would HIGHLY recommend Veronica and her team to help you with your mortgage loan needs! She is very professional and knowledgeable. We came to her needing our refinance loan to close before the end of the year and she made it happen. Only giving her a short amount of time. She ... READ MORE Kelly Hittesdorf
Previo a contactar a Verónica, intenté con tres prestamistas que no me convencieron en su servicio. Armando Magaña me habló de Verónica y el resultado superó con creces mis expectativas, desde nuestra primera conversación me dio mucha ... READ MORE Martin Espinoza
From the beginning of my home buying experience to the end Veronica was there to help every step of the way. This girl knows her stuff, and got me a great rate on my loan. She is highly recommended. Donny Snyder
Very helpful, explains everything very thoroughly and is always ready to answer any questions we may have.. Alfredo Nuno
The thought of purchasing a home can be a little stressful, which is what I thought how the process was going to be when my husband and I decided to sell and purchase a new home. Meeting Veronica and working with her made this process so much easier. Veronica and her team are great at ... READ MORE Erika Gonsalves
After a long Process for our Refinance, Veronica and her team never gave up and kept moving forward to help us out . And we are truly grateful for all the help ! Gonzalez Family
Veronica helped us out with as much information and quotes for a smooth transaction. She works and gets you prepared for the best house buying experience. Guillermo De La Torre
Very happy with our refinance. Veronica and her team did an awesome job! They were very knowledgeable and things moved smooth and quick, couldn't be happier. Thanks again! Jorge Mariscal
Veronica’s team made this process simple. I was able to send docs through email and text. Veronica’s team was very responsive from beginning to end. If I had any questions, there was always someone there to talk to or ask- even after my usual work hours. Rosie broke it down ... READ MORE Kelly Martin Kelly Martin Social Worker
Veronica’s team made this process simple. I was able to send docs through email and text. Veronica’s team was very responsive from beginning to end. If I had any questions, there was always someone there to talk to or ask- even after my usual work hours. Rosie broke it down ... READ MORE Kelly Martin Kelly Martin Social Worker
We have used Veronica for all our housing purchases and refinances and wouldn't have it any other way. She and her team exhibit such professionalism, are thorough and organized. More importantly she is knowledgeable which made all of the difference in our interactions with her. We ... READ MORE Elizabeth Rodriguez
Simply the best fast easy best prices Tony lopez
I would recommend Veronica to anyone buying a home. Straight forward, she was on it closed in 10 days!! Was really amazed with her service. Her staff is also amazing!! Nothing but good things to say about Veronica and her team. Will be my go to loan officer for any of my real estate ... READ MORE Adan Rios Home buyer
Veronica and Rosie very helpful I highly recommend definitely I will used them again Kristian Lopez Rental equipment manager
We are beyond grateful for Veronica and her team, they did an amazing job getting us through our refinance process. Her team was very professional and knowledgeable and made us feel extremely comfortable with the process. Thank you!! Laura Avila Social Worker
I'm very happy with Veronica and her team (especially Rosie) because they had the time to explain and answer to all, all, all my questions during this process. I'm very grateful to them for having been part of the purchase of my first house. Thank you Veronica and Team!! Yacira Romero
excellent job Jose Garcia
Exelent job Anonymous
If any one needs assistance with a mortgage, contact the very best. Veronica barajas Isidro Marquez
Every one was ready to help out at any time very friendly and answers all the questions I had very helpful 🙏 thank you Alejandro Alvarez Alejandro Alvarez Alejandro Alvarez
She was very helpful Anonymous Grocery store
I enjoyed working with Rosie and Veronica. Both ladies were professional, friendly, and were always available to answer all of my questions. I highly recommend them and AmeriFirst for any refinancing or loan needs. Yesenia Tovar Social Worker
Everything went very smoothly, the process was made easy and it truly was a pleasure working with the team. Mayra is amazing very helpful and informative would definitely recommend. Miranda Gomez Licensed vocational nurse
She was very professional and patient I would definitely recommend her. Jesus Briseno Buyer
Veronica, was amazing during the purchase and selling of our houses, she help us through the whole process! she respond to all our questions in timely manner. I recommend and I trust 100% during this process! she made things easier even during this Pandemia. Thanks Veronica ... READ MORE Lucrecia P. Mazariegos International Sales
I loved this service. I stongly reccomdend it to everyone. Jose Nicolas
Gracias a Verónica tenga ahora mi nueva casa en ese momento hizo trámite y lo necesario muy bien trabajo y muy amable súper recomendada Carmen Solorio
Veronica was very helpful in answering all my questions and was very quick to get everything done. She was also able to find a way for us to get a much better rate then we were approved for thru another lender! She is very friendly and her staff also did a great job with keeping us in ... READ MORE Amanda Guerrero Loan specialist
Great job Maria Garia Costumer
I recently refinanced my house with Amerifirst Financial and Veronica Barajas was knowledgeable, professional, and courteous and made our process easy. I totally recommend her. Jesús Alejandro Yepez
Veronica Barajas was just amazing, she made the process very easy and fast. I highly recommend her. Xochitl Rubalcava Cosmetologist/ Owner at Salon Karisma
Muy amable .Buena atención Muy profesional y precio justo Gracias Verónica. Raúl Cortés
Veronica handled my refinance seamlessly through this difficult time. The level of service I received exceeded my expectations. It’s such a relief to work with a trustworthy professional that legitimately looks out for my best interest. Raquel Patterson
Very knowledge and always ready to help with any question. THANKS.... Veronica Barajas. Moises M. Acosta Veronica Barajas
Veronica and her team made this the easiest refinance we’ve ever done! Would highly recommend working with them. Thanks again for everything!! Laura Merriam Laura Merriam Registered nurse
Veronica has been very helpful and explain every step of the way when purchasing and when refinancing my home. Veronica is definitely someone you can trust in finding you the best deal! Leticia Hernandez
Exelente travajo Anonymous
Mil Gracias Veronica Barajas, por tu gran trabajo y aber echo realidad el Sueño de mi familia en tener nuestra casa, Todo con gran profecionalismo y amabilidad, Thank you so much for everything. Melquio Chavez Matias Comprador.
Veronica Barajas Did an amazing job finding the best rate for us. Because of her & the staff the process went smoothly & with ease. I would recommend her to anyone needed help to buy a new home our lower there interest rate. She has done both for our family!! Veronica Melgoza Management
Un excelente trabajo es la segunda bes que trabajo con ella y es una excelente persona sin duda la recomiendo al 100 % rápido y. Muy eficiente SAMUEL EFRAIN SERRANO SAMUEL EFRAIN SERRANO Comprador de ca da
I am so happy that I did this refinance through AmeriFirst. It was a pleasure working with Veronica, Alicia and Rosie. I love the service and professionalism of all of you. Thank you, thank you, thank you. Alex. Alex Gonzales Account Executive
It am so happy that I did this refinance through AmeriFirst. It was a pleasure working with Veronica, Alicia and Rosie. I love the service and professionalism of all of you. Thank you, thank you, thank you! Alex. Alex Gonzales Account Executive
Veronica was outstanding and very professional throughout our entire process. She made our refinance effortless and kept us informed of everything throughout it all. We are extremely pleased with the final closeout and where we ended up and we couldn't have done it with out her. ... READ MORE Leisser Torres Associate Civil Engineer
Everybody did a awesome job low interest rate first time buyer program quick process thank you so much!!! Jonathan Rocha Buyer
Veronica y su equipo me ayudo con el proceso de refinaciamiento de mi casa. El proceso no pudo ser mas facil. Veronica estuvo muy atenta y me ayudo a obtener un interes muy bajo asiendo que me ahore dinero cada mes. Gracias Veronica! Eduardo Cornejo labor
I was really appreciate it and happy with the loan refinance I did last year with Veronica Barajas. And because I had a great results with process with refinance. I decided to do another refinance just two weeks ago with Veronica Barajas. Her teams were very helpful, to help me with ... READ MORE Abel martinez Abel martinez Warehouse logistics
Had a great experience with Veronica, she made the process super easy and fast. I recommend her if you are looking for a loan. Eduardo Rivera Velazquez
Es una persona dedicada a su trabajo.y trata de la mejor manera ayudar a la persona en todo para obtener resultado.en la compra de su casa yo agradezco A Dios y s ella por su paciencia. Gracias Veronica . Olga Talavera Tech.1 wine company
Veronica Barajas loves what she does because she takes the time to explain all the different options. She went above and beyond on the details so I knew exactly how much I was saving in interest and years. Highly recommended! Alma Medina Supervisor
En el proceso de la compra de mi casa verónica me ayudó en el proceso del préstamo ellos se portaron de una forma muy profesional y amable incluso su gran equipo de trabajo (mención especial Rosie) que se ponía en contacto para ayudarnos a resolver ... READ MORE Alberto Cadena Foreman
Our Experience was amazing... Veronica and Rosie took this process very personally. They treated us not like customers but like family. I can't believe we were able to buy with no money down. Thank you for all your help.. I'm very grateful for all you did for us. Manny Pineda Cook
Veronica helped me purchase my first home. She always has your best interests in mind and answers any questions that you may have. Whenever I called or texted her she was quick to respond. Veronica and her team did an amazing job. I would reco3 them to anyone. Carlos Cortes CNC Machinist
Veronica helped me with my refinance, the process was super easy and not to mention super fast. Her and her staff were very professional. Her years of experience show in the way my loan was handled. Got the best rate and i'm now saving $700 hundred a month. Thank you Veronica! Jose Mendoza Manager
Veronica Barajas is a professional in every sense of the word. She is extremely personable, which made all the difference in our interactions with her. Veronica asks the right questions, possesses expert knowledge of the lending process and not only did she come to our house to ... READ MORE Irma Carrera Teacher

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