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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.


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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