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State License: AZ #923246

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

Phil was great to work with. Explained things thoroughly and kept us up to speed at every step of the process. We were first time home buyers and he made it look easy. I recommend Phil Solano for your mortgage and refinancing needs. Chuck Kennedy
My husband and I worked with Phil on the purchase of our new home. First of all, he was highly recommended. That recommendation was spot on, because Phil was great to work with. He was quick to respond and he even helped us out on Father’s Day. He was pleasant and ... READ MORE Rose Irene Jex
Phil helped me get through a quick close, over a week ahead of original close date. When facing a challenge, Phil engaged his entire management chain to ensure we met the close date I had targeted. I have used Phil on two purchases. Tony F
I am very happy with the service Phillip provided. He was quick at responding to any of my questions and was able to get my loan closed quickly. Thank you for all your hard work Phillip! Soraya Sales Manager
I had a great experience with Phillip Solano. He has been my loan officer on several other transactions and I have found him to be attentive, straight-forward and excellent. I have recommended his services to my friends. Amanda Duran Accounting Manager
Phil was fast and clear cut. Always available by phone, email, and text. Robert Borrower
He did great Lucia Phillip Solano
I had a great experience with Phillip Solano. First off I must say Phillip was very professional and kind. The process was smooth and straight forward. I would recommend AmeriFirst and Philip Solano to my family and Friends Andy Kuhn
Phil made this process so easy for me, he is very knowledgeable as well as patient. I have already recommended him to some friends and would definitely use his services again!! Charlene Brewer Sr Specialist III
Phillip helped me with my refi on my house. He was great to answer any questions I had regardless how silly they may have been. He made sure everything was handled in a timely professional manner and would highly recommend him to anyone that's looking to refinance or even to ... READ MORE Holly Montano Medical Device Operator WL Gore and Associates
Wow where do I start?! I cant say enough great things about the experience My family and I had working with Phillip Solano! From the very start he was there when we needed with any questions we had and just walking us through the entire process! Will definitely be recommending him to ... READ MORE Josh Foster Josh Foster Husband, Dad, Son, and Web host Manager!
Phillip was really great to work with as our loan officer. He was very knowledgeable, helpful, and very responsive to all of our questions and needs. He was very professional, helpful, and everything was done in a timely manner. I highly recommend Phillip! Henry Ward Henry Ward Chef
Phillip did an amazing job and made the refinancing process a breeze. Jeremy lewis Executive Vice President
Phillip did the impossible. He worked overtime to get the entire process of qualifying, securing a loan and closing escrow in two weeks. I would strongly recommend Phillip Solano and AmeriFirst. Judith Lee
I have had the distinct pleasure of knowing Mr. Solano for most of my life. In the last five years he has originated two home loans for our family. He is a true professional in every sense of the word. Phillip consistently went above and beyond to make sure the process was smooth and ... READ MORE Lane Mann
Phillip did a great job. Very helpful navigating the loan process. Excellent communication. Highly recommend! Shauna McCall Client
Phil did an amazing job for us. He made sure that we were informed every step of the way. He was patient and made sure to try and put us in the best possible position to succeed. I would highly recommend him to anyone David hudson Operations manager
I've been a realtor for 12 years during this time I've had the opportunity to work with different lenders Chase, Wells, Amerifirst etc... But when I wanted to refinance, based on my lenders experience, I chose Phillip Solano. Phillip is a very knowledgeable loan officer, ... READ MORE EDGAR CAMARGO EDGAR CAMARGO
I was referred to Phil through my real estate agent. I went into this experience not quite knowing what to expect, but Phillip Solano far exceeded my expectations. Excellent communication and quick response time are a must for me. Phil and his team were always very responsive and kept ... READ MORE David Attanasio
Phil made the process very smooth and easy. I look forward to working with him in the future. Shane Hooper Sales Consultant/Buyer
I had Phil help me out with my VA loan when I purchased my home. Recently I was trying to do a refinance with my mortgage lender but since they were taking their sweet time I fired them and called Phil and he helped me with the refinance as well. He went above and beyond and if I had a ... READ MORE Rigo Valencia
Phillip is a great guy he works hard for you and gets results I would refer everyone that I know to go through him for there loans. He is very polite and courteous he will pull 3hard for you I recommend him to anyone Raymond Lovell Recommendation
It is always a pleasure to work with people we can trust, and can answer any questions we might have. I am happy to say that you are one of them!! Thank you very much Phillip!! Will keep you in my list of contacts and give your name out to Family and Friends Hilda Hilda Gandara Product Specialist
Excellent service. Experience and very Knowledgeable. Precise & Detailed to the matter. Our Closing process was simplified and early. Thank you. Cruz Serrano Construction Customer Specialist
Thankfully I was able to work with Phil of purchasing my first home! Being a first time home buyer I had a lot of questions and at random times day and night. Phil was ALWAYS a call, text or email away and always answered my question open and honestly. I had been through 2 other ... READ MORE Lizabeth Hutchinson Project Coordinator
Phillip Solano was very helpful and understanding of my needs during this time. He not only answered all of my questions but found solutions in a timely manner. He ensured that everything went smoothly. I highly recommend AmeriFirst and ask for Phillip Solano,he will take care of you ... READ MORE Joanna Diaz Client
Phil was so awesome! He helped me through this process every single day, had no problem answering every single little question for me, and got me the best deal! Ive spoke with other lenders, who weren't helpful, or willing to help, at all. Phil was on it, and made buying a home possible for me! Rachael Cimarossa Buyer
Phil Solano was very understanding to our needs and coordinated everything to fit our hectic family schedule. Keep us inform on what was needed and why. I would recommend AmeriFirst to any first time home buyer. Shranko
Phillip did such an outstanding job he should be named.. Maria F Enriquez INSURANCE SALES ADVISOR
I am greatful to Phil Solano for the job he did getting us into our wonderful new home...This was not my first home purchase but it was by far the easiest and the least stressful...Phil and his team handled everything efficiently and effectively...I would recommend him to my friends ... READ MORE Gerald D Johnson Gerald D Johnson Senior X-Ray Technologists
Phillip Solano is very helpful, polite and knowledgeable. He's available when ever needed. Highly recommend Phillip and the people associated with the firm. John Ford
Phillip was very helpful,polite and answer all our question. Very happy with the service. Highly Recommended this company and Phillip and all the people that associated with the firm that help us to get the loan. John Ford
Phil did an awesome job keeping myself and my wife up to date and aware of everything during our home buying process. We are first time home buyers and he made sure to keep us informed every step of the way. We were never rushed looking at houses and he made himself available for our ... READ MORE Chris Elsmore Recruiter USN
I am very happy with how smooth my entire transaction went. Phillip was always available and not to mention extremely knowledgeable. I even closed on my house early! I will make sure to recommend Phillip to all of my friends and family. Soraya Molina Sales Leader
Phillip Solano was the ultimate professional from my first interaction with him. After my prequalification he found a loan that was perfect for my situation and he was always willing and available to answer any questions of mine. Looking for a new loan, I highly recommend Phillip. Charles Cornish Services Account Manager
Phillip was with me every step of the way and made everything clear during the process. In addition, he was always cordial and professional. An FHA loan application requires a great deal of paperwork, but I always knew what was needed and why. P.S. I tried to sent this eval via ... READ MORE Laura Hine
Phil and his team are the only lending agents I will ever use. Do yourself a favor and give him a call if you need a mortgage or refinance! Heidi Hallquist Director of Marketing
Phillip is a professional in his industry and truly is a lender who can get deals done. He made sure to keep me informed every step of the way right to close of escrow. I'm a realtor, and being a licensed realtor, I really appreciate a lender I can trust and am happy to refer him ... READ MORE Marnie Daniels Marnie Daniels Realtor
Phillips long does such a great job on my file and my loan James Sanchez
Phil Solano helped me at every step from advising me on my credit to getting me the best loan for my situation. He even recommended a great realtor that took care of everything for me and got me the best deal he could with a little over a hundred dollars out of pocket to get into my ... READ MORE Abel Duran Site supervisor
Phil did a great job for us and I highly recommend him. Dale Schuerman

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