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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.


Paul Gallegos and his team did a great job in putting together the perfect loan. They truly helped us achieve our dream in buying our forever home. Edgar Alvarez Applications Engineer
Paul and Annie did a great job assisting me with the purchase of a home. I have worked with many lending brokers and Paul is one of the best. He made the transaction as painless as possible. Sincerely, William Medina William L Medina Real estate investor
I'd like to share my experience with Paul G. and his team in hopes that this may help any Realtors or Consumers with choosing the right Lending team. I initially me Paul G. through a buyers agent that made an offer on one of my listings. He was very responsive form the start ... READ MORE Oscar Uribe Oscar Uribe Business Owner/ Real Estate Agent
Paul and his team are great. I have never had a refi go as smoothly and has fast as it did with them. Thank you very much!! Michele Clubb
Paul and Annie are the secret weapon to help my clients have a much stronger position when competing against other offers. Thats powerful. Paul is patient and will happily explain things in detail to help clients feel comfortable....even on weekends and nights. Annie and Paul ... READ MORE Jeff Purcell Broker Associate
Paul and his team did an amazing job, we closed in 9 days! Incredibly knowledgeable and professional, walked us through each form and was always just a phone call away to answer any questions. I would absolutely recommend! Susana Rodriguez Caregiver
Paul and annie worked truly hard. And got us a fast close. What a great team! La prieya dreann elridge Owner/operator/president
Paul and his team was there to help throughout the process of buying my first home. Me and my family would recommend Paul for anyone thinking of buying a house and was able to close in 11 days which is unbelievable! David Kirkland Technician
Very pleased to say the least, my offer was accepted and was scheduled to close in 14 days the Gallegos Team closed in 10 days!! Sundeep Software Engineer
Paul Gallegos and his team did an excellent job with my loan! I was informed of every aspect from start to finish! David Luera Supervisor - Road Department
We had to close on my loan in 12 days in order to get my offer accepted, Paul's Team closed it in 10 days!! Highly recommend Paul and his Team!! Singh Engineer
It has been a pleasure working with Paul and he's team, they made the transactions overcoming some obstacles with professionalism keeping me inform at all times of the progress, excellent job, I deferentially recommend him, Thank you Paul. john armas paul gallegos
Paul was very helpfull throughout my loan process, and made it very smooth for me to get what i want.. gotham
Paul and his team went the extra mile with assisting me to obtain my loan. I am very pleased with their professionalism and dedication. Mary Ghent Mary l Ghent
Paul Helped repair my credit, three weeks later I am a Home Owner!! Joshua Thompson Sales
I have worked with Paul in my last 2 big decisions of my life. First when I was buying my home for the very first time and secondly when I was looking for refinance to lower my monthly payments. Both the time it turned out positively. Paul's team is really impressive and ... READ MORE Deepak Kumar Principal Software Architect
Paul Gallegos is incredibly knowledgable and resourceful, and a subject matter expert when it comes to the loan qualification process! We recently completed a transaction with Paul's guidance. What was important was his stellar customer service and proactive approach. His follow ... READ MORE Lorena & Ryan Baker
Great service really fast and very informative. Couldn’t ask for a better process fast turnarounds. Chris
I can't thank Paul enough for the wonderful experience we had buying our first family home. He was so patient and hard working. Paul kept us in the loop of eveything and would answer all our questions. We would highly recommend Paul to anyone looking for a home. Thank you again. Norma Avelar
Paul Gallegos is hands down the best lender I have ever worked with. He is an asset to my business & knowing him has been a game changer. Not only is he quick and efficient, but him and his entire team are super personable so my clients love them. All of the Realtors in my Market ... READ MORE Mike Samawi Mike Samawi Realtor
Paul and his team handled our refinance process efficiently. Their communication was excellent. No surprises at all. Very painless. This was the best loan processing I ever had. Kadavallore Kannan Retired engineer
Paul and his team are true mortgage professionals. Paul helped us buy a couple of homes in Arizona over the last several years, and the process is always seamless. I chose Paul and his team to help with my loan because of their competitive rates and fees, and because I know the team ... READ MORE Justin Vaught MLO
Paul helped us through some complicated twists and turns during our real estate transaction and saved us a lot of money! Mats Palsson Teacher
Paul and his team worked diligently to get us our home loan. They Answered every question, every call and every email promptly and with the outmost patience and respect. We feel very fortunate to have chosen them to process our loan and are looking forward to the day we can outreach ... READ MORE Yolanda Portillo Chavez Buyer
Paul made the process of funding the purchase of our new home so easy. He was professional and friendly through out the entire process. The actual process was so easy and fast, that I almost thought it was to good to be true. I will be talking up Paul and AmeriFirst to anyone I know ... READ MORE Heather Dana Phlebotomist
Paul and Annie made purchasing a home stress free and easy. Everyone on their team was such a huge help! They were always available to answer any questions for us newbies. Wouldn’t think twice to use them again and again. We appreciate you guys so much. You were a huge part to ... READ MORE Christina Giordano
Paul has been a great person to work with - he helped me close my initial loan and also i was so impressed by his work that i went back to him for my refinancing needs. i hope to do more business with him in the future. Preeti Chhabra
Paul and his team of experts did a fantastic job of helping me with my two properties. I was going to use my own bank but they lag on responding. With Paul and his team I felt like I had my own personal team ready to help me out. I live in another state and it felt like they were down ... READ MORE Pauline Essalou Senior Marketing Manager

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