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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.


Where do I even begin to tell you how wonderful Paul is ? He explained every step of the process in full detail in terms that I could understand. He got things done so quickly and efficiently!! If I could give him 10 stars I would !! I would recommend Paul to anyone looking to purchase a home. Crystal Ray Sr. Program Coordinator
If I could give this team 10 stars I would !! Annie and Paul were AMAZING through this whole process. They are no nonsense and they get the job done!! They explained everything to us every step of the way. I felt confident leaving the biggest purchase of my life in their hands. I would ... READ MORE CRYSTAL RAY SR.PROGRAM COORDINATOR
Paul & Annie are amazing! They have helped me close several buyer clients, refinanced me with 2 different homes, the last one 2 weeks ago. Paul always goes the extra mile, to get the job done. He helped a first time buyer that needed $30K more to buy a home that his lender could ... READ MORE Ben Adrian Ben Adrian Realtor
I'm taking this opportunity to recommend American First Financial Inc. As an excellent group for funding homes in California. Paul and his team has been very helpful with one of our biggest purchases of our life. it was a tough, but you and your team make it work. your thoroughly ... READ MORE Eddy Baende Eddy Baende Production associate
Great working with Paul and Annie. They were helpful at every step of the way and able to close in two weeks! John D.
Paul and his wife are an amazing team who walk you through the refinance process in order to make it as painless as possible. Paul is professional in every way, and looks out for the clients best interest. I highly recommend Paul for all your mortgage needs. David Saxe David Saxe Client Aviation Manager
Paul &Annie were both extremely professional, knowledgeable , and an overall pleasure to work with. This is our 2nd transaction with this team and we’re positive it won’t be our last. Thanks again Team Gallegos... from Team G-M Teofilo Teofilo Teofilo Martinez-Gomez
Paul is easy to work with and new exactly what we needed to secure the home of our dreams. His recommendations were invaluable in getting our offer accepted and I highly recommend him for your loan services. Karen Chavez Clinical engineer
I was so happy to have a new home. I can’t believe my credit score was pretty low enough to buy a new house,but Paul and his fellow co loan officer can give me a good rate 4.250% I am highly recommend anyone who need a new home or look for a new mortgage loan in a good rate just ... READ MORE Brian New home
It was great to work with Paul. I really appreciated the way he guided through the complete process and time to time helping me in choosing right options. As a first time home buyer , I had many doubts and if and buts. Paul made it very easy and smooth. He helped me in getting very ... READ MORE Kedar Erande
I would highly recommend working with Paul Gallegos. He dropped everything and worked with us so quick for a pre-approval when we found our dream house. We had to act fast and Paul had no hesitation to get us what we needed. Him and his team also made the loan process so smooth and ... READ MORE Jill Silva
I had a great experience with Paul for my home purchase. I’m a second time homebuyer and had lots of questions/anxieties that he addressed in a easy to understand and calming way. He was very accessible throughout the loan process which was a big help. He blew away the ... READ MORE Taimur Mirza Software Engineer
I can’t believe they approve me with a low low credit 655. Paul’s together with his fellow teams try their best to help me with the new home. They are good Lending company . I highly recommended anyone who need to find loan for new home .👍 Brian Tran New Home
Paul was outstanding to work with, super friendly, down to earth and answered all my questions. Highly recommend. David Valencia Mechanic
We could not be happier with Paul and the help that we received all the way through our loan process. Paul was very helpful with all of our questions. I would recommend Paul to anyone, Paul gets an A++ rating from us. Thanks again!! Timothy Campbell Regional Manager
Paul was extremely helpful, friendly and down to earth. He made our loan process easy and answered all questions with great detail which made us feel comfortable and trust worthy of him. My wife and I highly recommend Paul. David Mechanic
How could I forget Annie, the other half of the dynamic duo! Also very helpful and amazing! Can’t thank you enough for everything you did! Becky Landre Teacher
Paul was very helpful and very thorough when it came to qualifying us for a loan. His expertise and patience through the process made things a lot easier and less stressful. Rebecca Landre Teacher
Above and beyond is what I can say! Paul and Annie are great people to work with. I would recommend these two to anyone. I was helped throughout the whole loan process. I am very happy! Thanks again! Timothy Campbell Loss Prevention Regional Manager
Paul and Annie were such a pleasure to work with! They were so responsive through the whole process, and made things as easy as they could possibly be when purchasing a home. I don’t know how they do such quick closes, but it has been utterly amazing. They closed on the sale of ... READ MORE Julie Dreher
Working with Paul and Annie was a pleasure. Paul was able to match the best rate I was able to find out there with extra perks that made the decision a no brainer. They were so quick to respond and very very knowledgeable. They made the whole process so very easy. I would work with ... READ MORE Tiffany Pike Teacher
Great communication and speedy service. Thanks, Tom Tom Duggan VP engineering
Paul & Annie were fantastic! Patient, really patient. They explained the process, walked us through the paperwork, answered my many many questions and were just really great to work with. I'd work with them again in a heartbeat! Dawn Lemus Housewife extraordinaire
Paul and Annie are an awesome team! Worked diligently and insured all bases were covered in the whole processs which made all go smoothly. Would highly recommend this team ! J Dominic Reilley Manager
I would definitely recommend Paul Gallegos he did an excellent job and everything was handle very quickly. Thank you for a good experience. Amy Shugarts
He is Albert good knows what he is doing Maryam alkhalil Dental assistant
First off I must thank pail highly for being the best at what he does. No one will get you in a home faster. He is most deffinantly the man for the job. Be thankful Paul is on your team. Thanks Paul great job Edwin rosenberg Edwin rosenberg Driver mixer trk
Paul was wonderful!! He and his crew had us in our new house in 2 weeks, excellent work to all who helped with this. thanks again very much to AmeriFirst. John R Smith retired
Paul and Annie are an exceptional team! I have just bought my first (1st) home and they made it so, so easy. I would recommend them to ANYONE! Trustworty and honorable, they walked me through the entire process. THANK YOU! Michele Thompson Operations Manager
Paul was an amazing help throughout our home buying process. Not only did he help us with the loan part of the process but also helped us understand and coordinate with everyone throughout the escrow process! I am really grateful to have found a friend whom I can trust blindly upon. I ... READ MORE Ishaan Chhabra Ishaan Chhabra Ishaan Chhabra
Paul was very reliable and helpful in the process. If I had any questions he responded quickly at any time of day. He explained everything thoroughly and sent me copy's of everything I asked for. Thank you Paul! Me and my family are entirely grateful for everything you've done for us. Melina J. Mena
Paul & Annie, did a terrific job on my loan application they were very clear and they did my Loan with a short period of time, I wholly recommend Paul & Annie. It has been a pleasure to work with Paul Gallegos & Annie. They went above and beyond to get my mortgage approved ... READ MORE Clemente CERVANTES PENA Sr. Staff Mfg Engineer
5 Stars from me ... have had several transactions with Paul ... both for business and also personal, and not all of them were easy transactions (like that is possible). Many times lenders and others can look good when all is well ... but the real measure of how good someone is - is ... READ MORE Curtis Johnson Curtis Johnson Broker / Owner The Curtis Johnson Team - eXp Realty
It has been a pleasure to work with Paul Gallegos. He went above and beyond to get my mortgage approved and close within two weeks. Reza Razin
Paul was great to work with! Super easy and fast, never closed a load so quickly before! Eli Wright
My wife and I have used Paul and Annie Gallegos on (3) home purchases and each time they have helped us navigate this process with ease. Not only have we developed a friendship with them we consider them family. Paul is a great resource and always answers each of our questions on the ... READ MORE William Settle Client
An Agent cannot survive in the Real Estate Business without a good Mortgage Lender. I give a High Five to Mr. Gallegos. He is always on Top of his game, a True Professional, Experienced & Knowledgeable in his Industry. I purchased a Home last year and had Mr. Gallegos handle ... READ MORE Mario Polgar Mario Polgar Realtor
Many of the overwhelmingly positive reviews you see scrolling through Paul's reviews are clients of mine and that says it all. When I recommend a lender to a client of mine, my reputation is on the line and I need that lender to perform at the highest level. Paul has never let me ... READ MORE Drew Jacobsen Real Estate Broker
It’s been over 5 great years now working with Paul and Annie Gallegos and it that time they’ve produced a 100% close rate on every single loan. Not one issue , not one single excuse. Consistent excellence!! I trust them so much not only with helping my clients but with my ... READ MORE David Torres David Torres Realtor
As a real estate professional, I have high expectations for loan officers who work with my clients. So... when I chose to purchase a house, in fact two this year, I chose Paul and his team to do my loans. Through out the process, I was kept informed of what was going on, I received ... READ MORE Lisa Aguilera Real Estate Broker and Home Buyer!
Paul was amazing!! We ended up meeting him through a Facebook group and tried our luck. He took the time to explain everything to me and got us pre-approved right then. The next day we found our dream home and within 17days we were closed and had our house keys. I still can’t ... READ MORE Joseph Andrews Joseph Andrews Genral Manager
Paul and Annie are an amazing team! We are so grateful for their help in getting us our new home. They are knowledgeable, prompt, and follow through on everything they say they will do. They worked hard to meet deadlines and closed exactly when they said they would. We would absolutely ... READ MORE Stacy
Paul and his team are the Rockstars of home loans! Always there to answer all your questions with very detailed information. Made this tedious process a painless experience in record time: From Pre-Approval to Home Ownership in 15 days ! Mario Rodriguez Regional Risk Manager
Paul was very efficient . He answered all my questions and worked with me . It was great working with him Gurpreet Kaur Homeowner
Thank you Paul for assisting us with our home mortgage loan. You took the time to answer our questions and concerns. You made yourself available 7 days a week and we will always be appreciative of your time! Alma Jimenez-Zepeda
Amazing, excellent, friendly, knowlegable, patient, humble, just awesome. Adrienne Buckholtz Estimator
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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