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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.


Thomas worked a Miracle and got me a great rate on my Mortgage. He went above and beyond in his support throughout guy h the whole process and did more than I could ever have expected to get me in my home. Daniel T Jones Daniel T Jones Information Systems Specialist Ii
In a word....Flawless. Thanks ever so much Thomas It was never racking but, you made it grand. Paul Dagesse buyer
Thomas is really as good as it gets. He worked in partnership with our realtor to get us into our first house. Thomas is extremely knowledgeable and never hesitated to answer all of our questions. Thomas was very approachable and never made us feel any sort of way for asking (a lot) of ... READ MORE Chris Poole First time homebuyer
Thomas Coackly is by far hands down the best loan officer in napa valley. He works quickly and efficiently and really looks out for your best interest. Thomas takes the time to analyze everything to make sure your getting the best deal and man is he good with numbers ! We highly ... READ MORE Dajana zavala
Thomas was very instrumental in helping us purchasing our first home. He was very helpful, friendly and efficient and made the entire process as painless as possible. He provided very clear instructions at every stage and answered all of our questions patiently. We are still so very ... READ MORE Christine Guadarrama
Thomas Coakley takes customer service to the next level!! He was proactive, customer focused and communicated through the entire process. He even called me from his vacation to make sure i was happy and informed. Not many people you can say that about! I may have to invest in ... READ MORE Thomas Finch Owner Filippi's Pizza Grotto
Nice guy. He makes sure the process goes smooth and encourages questions along the way. He is flexible with scheduling meetings. Jan Escobar

Let's accomplish more together.

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