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ABOUT PAUL GALLEGOS

State License: AZ #914255

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
  • FHA/VA/USDA

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.

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30-Yr Fixed / 0% Interest
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  • Homeowners Insurance $0
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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

It was a pleasure working with the Gallegos in our purchase of a property in Tracy, California. Everything went smoothly and fairly. Our questions were answered quickly and the transactions clicked right along. The escrow closed in record time. We recommend Paul Gallegos highly for ... READ MORE Howard Wang Buyer/borrower
Team Gallegos is exactly what you need when you are in market to buy your home. If that home is your "First" home than all the more one should be working with Paul and Amy. As a first time home buyer there are far more questions that internet alone can answer and more ... READ MORE Andy Gangotra
Paul and Annie Gallegos were absolutely stunning! I made a mistake to work with AmeriSave, which could not do the job in 40 days. We were failing all deadlines and were at risk of loosing our deposit. This is when Paul stepped in and save the deal. They were able to refinance our house ... READ MORE Robert Nourgaliev Senior Scientist at Lawrence Livermore National Laboratory
Thanks God there is such professionals like Paul. When we stuck with our refinancing and a purchase of the other house. He simply saved whole situation. You can trust him. Thank you Paul! to you and your team! Larissa Nourgalieva Larissa Nourgalieva RN
Working with Paul was amazing. I did shop around a requested pre-approval from other lenders, but Paul was by far the best. He has a dream team that did everything smoothly and easy for us. 100% recommended Veronica J
Paul Gallegos did an excellent job on my refi! Very smooth transaction with no last minute surprises! Closed quickly with minimal effort on my part! I high recommend Paul for loans! Rebeca B Montoya Realtor
Paul and Annie were wonderful to work with. They made the purchase of our new home a smooth transaction and were always available to answer any questions or concerns we had. I would definitely use them again for future purchases. Juliana Pickering
Paul Gallegos and his team provided great service to me and my family. He is fair and pays attention to details. Thank you Paul! Jane (Tianye) Xu Program Manager
I am a first time home buyer, so everything involving purchasing a home was daunting. In particular, I was expecting the process to be funded to be a very exhausting one. But Paul and his team were there to guide us in this process and answer our questions, and they were quick to ... READ MORE Jose Pinal Marriage and Family Therapist
I worked with Paul and his team to refinance my primary residence. He and his team were courteous and professional in all our interactions. The application and document submission process was seamless. Everything was handled over the phone and online. The only in person contact was ... READ MORE JoAnn S Zuniga Home owner
I worked with Paul during my pre-qualification for a home purchase and he was very informative and very helpful! I am glad I had a chance to work with someone so knowledgeable who is passionate about his work and helping people like me understand the whole scope of having a mortgage. ... READ MORE Dilya Sanginova Account Manager
As a first time home buyer Paul and Annie made my entire transaction extremely smooth and painless. Not having any knowledge on what I was doing paul as well as my real estate agent David Torres was there to answer any questions or concerns that I had. With our offer accepted and a ... READ MORE Jennifer Varela
Glad to have a great team with a lot of experience. Made a stressful process easy going. It was a pleasure to work with the Gallegos team! Javier rodriguez Javier rodriguez Home owner
Thank you! This was a streamline process! They were quick in response. I have no issues & would recommend Paul, Annie and their team! Thank you! Nancy Castro
This was the first time I had ever refinanced my house. And I knew absolutely nothing. Paul and Annie came highly recommended. Now I know why. They walked me through every step of the way, step by step. Everything Paul and Annie said happened when supposed to. All my emails answered ... READ MORE Jimmy Dodge Deputy
It was an amazing journey working with Paul for our Loan Process. He and his team are very knowledgeable, responsive and diligent. Working personally in customer service, i can vouch that Paul has what it takes to ensure a good customer experience a done deal. Edna Magat Manager, Customer Success
Paul and Annie were both awesome! They got all my paperwork done early and all done online. I highly recommend them, they were both great to work with. Chris McGrew
Paul and his team did a great job of providing loan for our 1st home. We have tried other lenders and Paul by far was the best lender we have had. He did the outstading job of closing loan in just 15 days from the day we got introduced to him (including appraisal) while kept the ... READ MORE Mahdi Lotfi
Paul is smart person, i appreciate his work for my loan , he did a great job to close the Escrow in very short time with good rate , i tried with many other lender but no one can close escrow in just 17 days except Amerifirst . thank you so much Sherif
Paul was extremely helpful in the purchase of my first home, I would 100% recommend him to anyone interested in buying a home. thank you for all your help. Rodolfo Cabral
Communicates and assists in explaining loan process. Very helpful. Daniel McCarthy Government employee
Paul and Annie were awesome and very efficient. My wife and myself enjoyed working with them. They had great attitudes and always responded fast with any questions we may of had through the process. I will definitely love use them or recommend them to friends and family. Thank you ... READ MORE peter gonzales Buyer
Excellent service from Paul. Answers the phone every time or texts if he's unavailable, and calls right back. If he says he'll get back to you, he always does, which put me at ease, and i got all my questions answered. Super polite and understanding. Jesse Syfert Fleet mechanic
Paul and Annie were wonderful to work with. They responded promptly to any concerns or questions I had. More importantly, they had a great attitude, and made the process easy from beginning to end. I will absolutely use them for any future real estate needs. You will be in goods hands ... READ MORE Victoria Teacher
Paul and Annie are the last Coca-Cola in the desert !!! We cannot explain how grateful we are from the beginning to the end your work ethic was top notch. As we all know it was not an easy roller coaster but your guidance was very helpful. We want to thank you and your team for all ... READ MORE Yvonne Vicioso Branch Manager
My realtor said he had an awsome loan guy that he worked well with and boy are we glad we we t with Paul — fassst— accurate — details were a breeze —- totally top notch We are telling our friends they need to use Paul GARY GUENZI Homeowner
Paul and his team are outstanding and fully understand the process and what is needed to purchase a home. Paul and his team helped and kept us in the loop regarding all inspections and processes through purchasing our new home. I highly recommend Paul and his team at Amerifirst if ... READ MORE Allan Sanchez Engineer
Paul and Annie were very fast. They jumped on options for us right away and when times got tough they were still able to get us into a new home. I Thanks team! We appreciate you! Tim williams Project manager
I was introduced to Paul through my realtor for financing. The moment I spoke to Paul I knew he was the person I wanted to do business with. He thoroughly explained the process and gave me the feeling he truly enjoys helping families obtain the “American Dream”. Paul ... READ MORE Rickey Terry Military Vet
Paul and his team were fantastic throughout the entire process! Our experience could not have been better. Many thanks! William Githens Regional Vice President
Paul worked hard for us crunching the numbers and giving me all my options. We really appreciate his work and the work of all his associates. Francisco Guarnero Francisco Guarnero
Thank you, team Gallegos! We appreciate all that you have done to get this loan done so quickly. We were very nervous and had many questions as first time buyers and you always took our calls and answered our questions very promptly. Paul is extremely knowledgeable and helped us ... READ MORE Cristina Quintero
I would highly recommend Paul and Annie Gallegos to originate a new home loan or refinance your existing home loan. Paul took are application shortly after inquiring about current rates that day and gathered the necessary information to determine we should qualify and we were ... READ MORE Gerald Green Retired
This was our 1st home purchase and working with Paul, his staff and my realtor agent Oscar Uribe was the smoothest. At 1st we were worried but they assured us that we were in good hands. We highly recommend Paul, his staff and Oscar Uribe if you're looking to purchase a home. You ... READ MORE Jasson & Byanka Massey Floor Manager @ Costco
Wow, this was so fast!! I am so happy!! Brent Edwards Engineer
I can’t say enough good things about our experience with the Gallegos Team. They went above and beyond to get our paperwork processed. We received answers to our questions in a professional manner even when they were experiencing a heavy demand for their time. Judith Gaffin
Paul and Annie were wonderful professional and handled our 14 day escrow like Super Hero’s !!! Being able to use a 2 week escrow was a powerful tool to have the offer on our new home accepted. I won’t say that it wasn’t stressful but Annie has a great sense of humor ... READ MORE Cristina Zanarini Cristina Zanarini Safety and Mobility Specialist Guldmann Inc.
After waiting for over a month for another lending company to pre-qualify me I got in contact with Paul and it was done in less than an hour. When it came time to purchase my house Paul and his team were excellent and made the process as quick and painless as possible. Thank you everyone! Brian Potter
Paul and Annie were fantastic throughout my home buying process and it was amazing working with them. They committed to close the escrow within 14 days and it happened in time and kept me updated at each steps. The process was very smooth and I never thought of being a first time buyer ... READ MORE Pulak Raj Ghorai Home Buyer
Very professional and kept me updated on every step of the process. Thank you! Amber Roger
Paul and his team were surprisingly quick and getting the purchased closed. They answered all my questions at any hour I may have asked. I was a first time buyer and was expecting a difficult process. Gallegos was quick and made my first time buying with ease. I am extremely happy I ... READ MORE Hector Gonzalez
Thanks to Paul and his team at AmeriFirst, we are now in our very own first home. Despite the stresses that come with the process, Paul was able to fill in all the gaps, with useful information and guidance gleaned from his vast experience in the industry. I highly recommend Paul and ... READ MORE Samuel Baguma
Paul and Annie were fantastic. I was able to lower my rate and refinance my house all virtual, which is better for my schedule. I would highly recommend him to anyone. Brian Customer
Paul and Annie Gallegos did an excellent job walking us through our loan process. They were immensely knowledgable in their jobs and answered every question about every topic related to the loan process. Having Paul and Annie on our side really set us at ease and made the process ... READ MORE Harry Neakok Construction Manager
This was my first home purchase, Paul was nice and patient. 14 days close as promise, Paul made this process easy and fast. I would definitely come back to Paul in the future, and he is highly recommended. Ming yu Home buyer
Working with Paul and his team was fantastic! From getting prequalified to getting approved for a home loan, we felt supported 100% of the time. A 15 day escrow can be stressful but with Paul and the team was was simple and smooth! Renee Nunn
This was our 4th transaction with the team. As always Paul and Annie have been great throughout the entire process and have given us the best option. Kudos once again and looking forward to many more. Vikas Chhabra
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
 

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