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State License: AZ #939254

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.

See what people are saying about us

Brayam truly exceeded my expectations. I refinanced my home for the first time and was nervous about the process at first. However, Brayam answered all my questions so professionally and promptly. During every step he delivered exactly as promised. If you're looking for someone ... READ MORE Barbara D.
He help me get the house Jesus Robles Robles
It was working with Brayam. He was quick to answer any questions we had. He also explained everything in detail to make sure we understood all of our options. It was a very good experience and we would definitely recommend him to anyone looking for this type of service. Roberto Martinez
I would recommend Brayam and his team to anyone and everyone. Thank you for a great 1st home buying experience. Alyssa Aparicio
It was a pleausure working with Brayam. He was always available to answer any questions we had during the buying process. Thanks to Brayam we are proud homeowners!! Ana Vega
It was a great experience working with Brayam Arguelles, their was that great communication throughout our entire process and i would highly recommend him to anybody, and in a future I hope to work with him again. Beatriz Hernandez Beatriz Hernandez
I had talked with a few lenders for a couple weeks and when I met Brayam he made me feel comfortable from the start. Very informative & attentive. Candy Hernandez
Brayan is very down to earth, very helpful, doesn't make you feel like you are bothering him, very knowledgeable, always answers his phone, replies very quickly, I would recommend him anytime. Lupe Reyes Retired
Excellent Andris Duharte Suarez Andris Duharte Suarez Social worker
Brayam Arguelles and his team were phenomenal! Couldn’t of asked for a better loan officer to work with, he is very knowledgeable, helpful with any questions I had for him, and just gets the job done! Thank you for my first home Brayam! Definitely going to work with you in the ... READ MORE Daniel Reyes Hvac technician
I was very happy and pleased with the work Bryam and the the whole team at Ameri first did for me. They made my first time home buying process easy and smooth. I couldn’t be any happier on how he handled everything for me. I would definitely recommend and refer Bryam to anyone ... READ MORE Jesus Dominguez Assistant Branch Manager
Good treatment very smart and help alot to get your credit for your home iam very happy and thanks for evreting making one dream come true god bless you and i recomend him for this things Alex villegas Electrisista
Excellent Adriana Lopez Lopez Adriana Lopez Lopez compradora
Having Brayam work with us as our Loan officer for our first home Loan was the best decision we could of made ! He was so attentive polite and so knowledgeable with all the questions i had he was great with being so attentive with a worried first time home buyer would totally recommend ... READ MORE Johanna Munoz Mortgage Inbound Sales Specialist
Bryam was Very helpful Answer all of our questions we had. Will definitely recommend Bryam and his team everything was done exactly as he had said definitely a 5 star Bridsenia & Efrain Zuniga Bridsenia & Efrain Zuniga .
I just want to thank you Brayam for all your help that you gave me to get my loan. I know things are harder than before because of all the COVID-19 things going on but you still made it easy for me and now I can enjoy the house without worrying about anything. Thank you again to you ... READ MORE Porfirio Mote
Thanks to Brayam, my family and I found the house of our dreams. He made the process smooth and easy. He took the time to understand our needs and worked hard until closing day. Thank you Brayam. 😃 Brian Gonani Brian Gonani Home Owner
Honestamente estoy muy contenta con el trabajo de brayam Arguelles y su equipo, me ayudaron a cumplir un sueño que veía lejano pero gracias a ellos con su esfuerso y dedicación pude obtener mi casa 🏡. Con mucho gusto recomendare a mis amigos y familiares para ... READ MORE Lizbeth Calderon
I think Brayam did a great job I would Definitely recommend him to anyone buying their first home Melanie Castaneda
I am very happy with Brian he helped me with all my paperwork and are equations that had he had an answer for me I definitely recommend Brian Jorge davila Dominguez Owner
He was helpful to us and very helpful too. boweh momoh
Extremely helpful and friendly Juan Martinez Sales specialist
Brayam made our refinancing process very easy and stress free. He was very attentive with any questions or concerns we had. I would definitely recommend working with him to anybody in the market to purchase a home or refinancing. Estela Canchola
Buen trato. Y excelente efectividad en su trabajo. Felicidades Adriana Lopez Lopez Adriana Lopez Lopez compradora
Brayam was an amazing loan officer. He was extremely patient, informative and beyond helpful. He made my process very smooth to the best of his abilities. He would go in depth with his answers and always made sure I understood. Even if I had already asked that question before. I am ... READ MORE Mary Castaneda Registered Nurse
It was a pleasure working with Brayam. He was very helpful and attentive. Any questions I had he would answer right away and he made this process very smooth. Edgar Duran Jr. Architect
I was so so impressed with Brayam. From the beginning of our refinance to the end he kept us totally informed. His knowledge and expertise along with patience and kindness made all the difference in the world! I am so thankful for him made this process a great experience! I will ... READ MORE Janie Diaz
I am very greatful to have worked with Brayam, he was very attentive and made sure that we were approved for a home. He definitely goes above and beyond to make sure that you are in good hands. Ashley Valenzuela
Quiero dar gracias a Bryam por dar un excelente trabajo en ayudarnos en comprar nuestra casa. Ser muy comunicativo. Que dios lo bendiga siempre y que siga ayudando a otras personas. Siempre será recomendado, muchas gracias. Marisela y Jorge Ornelas
I'm a single mom of 4, been trying to get a house that we can call ours. Seen few people and never could help. I was recommended to this great team. Brayam explained everything, every question i had, made the process so easy to complete. Best team ever. Thank you so much! God ... READ MORE Alejandra Rodriguez
No tengo palabras de agradecimiento, muy profesionales, especialmente Bryan, me dio el soporte necesario para poder comprar mi casa... agradecida por todo el apoyo, la rapidez y comunicación que siempre mantuvo en el proceso...!! Rosalba Guerrero
Hola yo recomiendo a Brayam Arguelles para agarrar tu casa el me ayudo muncho trabaja muybien esta en comunicasion con su cliente todo el sienple me gusto su trabajo deberda yoselo recomiendo lesba agustar sutrabajo gracias Brayam Arguelles Dios te bendiga Maria D Castrejon Ama de casa
Brayam is a great guy to work with. You are very knowledgeable and were very patient with us. Thank you so very much for all of your help in securing our loan for our home. You were thorough and professional, as well as kind which made all of the difference in our interactions with ... READ MORE Aracelie Jarvis Investigator / Paralegal
Brayam was very responsive and professional throughout the loan process and was able to find a loan that fit our needs. Thank you! Lorena Godoi
Really happy with the exceptional service this company provides .very happy with the results thank u Bulmaro Ruiz
It’s was a very pleasant first time home buying experience working with Brayam. He was always a quick call/text away for any questions I had along the process, very informative as well! I look forward to working with him, once again, in the future. Ruby Leyva Insurance Underwriter
Brayam was quick and efficient. Thank you! Bernadette Korb Teacher
It was an easy and great experience Jose Hernandez
Brayam was amazing! Couldn’t be more grateful for such a wonderful team. More than anything I appreciate you making my first home purchase very easy and stress free! I would recommend Brayam to anyone he is very professional, patient and more than anything he is dedicated. Thank you so much. Leticia
Brayam Arguelles was a pleasure to work with. He helped us with the purchase of our first house. Nothing short of a milestone in our lives. Thank you for everything! Kimberly Hansen
Primero antes quebnada,muchas grasias a brayam Dios te bendiga por tu excelente trabajo a ti y a tu grupo de trabajo ah! Ashley y Francisco, por hacer realidad el sueño de mi familia...mas sincera recomendaciones a todos Gamaliel Rojas Gamaliel Rojas excelente
Brayam is very understanding, patient, and helpful. I am first time buyer and I wasn’t aware of different things that come with purchasing a home, but Brayam and his team made it super easy for me to understand. I’m glad I got to have a great time along my journey. I am ... READ MORE Sindy Sanchez New Homeowner
I just want to take the time to thank you for all your time and hard work. Thank you for allowing my dream of becoming a home owner become a reality. Thank you for going above and beyond 2 thumbs up all the way it was a pleasure working with you thanks. Fernando De Santiago
I would like to recommend Brayam Arguelles if you are looking for a home. He is very professional and works around your schedule and is always available to answer questions when needed . I know my schedule is crazy and I was still able to get everything done thanks to Brayam . He was ... READ MORE Yomhara Edith Esquer Dialysis tech
When it came to helping me refinance he made it so simple. I didnt have to stress about it because he walked me through the process and was with me every step of the way. Thanks to him and his team i was able to smoothly refinance my home with no problem. Thanks so much Brayam and his team. Marfelix De Los Santos I was looking to refinance
Brayam is a great person he made mine and my family’s dream come true I would highly recommend him to everybody . Pablo lopez
Brayam is very dedicated to helping his clients in any way. I can be very skeptical and I ask a million questions. However, Brayam never seemed to get frustrated with me and I appreciate that because there are some incompetent mortgage lenders who only see you as a $$$. He is ... READ MORE Thomas Garcia Quintana Thomas Garcia Quintana Civil Engineer
He's a great guy. He keep you informed of all the process and help you to find the right loan. Carlos Nava Obeso HVAC Tech
Brayam from day one was super nice and very helpful . Went step by step with all of the requirements needed from the beginning to end, and was always there when i had questiones always very quick to respond and help. We are lucky to have met amazing people like brayam and his team to ... READ MORE Miguel Rosales
Brayam was absolutely wonderful and helped us every step of the way on our long journey to buying a house. Brayam made everything simple and is one of the main reasons why me and my family are living in our beautiful house now. THANK YOU!!! Marwy Bustamante
I had a great help from Brayam Arguelles on my home purchased. Thanks for keeping update on everything. Pedro Fierro Pedro Fierro Heavy Equipment Operator
Even though all the Covid19 craziness started in the middle of my refinance Brayam was able to get my refinance done in a timely manner. I would recommend he and his assistant Veronica to others in my situation needing a refinance. Cheryl Fortier Music Educator
Thank you to Brayam and his team at Amerifirst Financial for helping me refinance my house. I was able to lock in a much lower interest rate and save $350/month. With all that’s going on this has been a total lifesaver. If you are considering refinancing I highly recommend ... READ MORE Adrienne Humble Senior HR Rep
Mr. Arguelles was my loan officer on my recent purchase. During this whole process, Mr. Arguelles showed great professionalism, exhibited great respect and kept me informed every step of the way. I would not hesitate to refer him to others in the future. Sincerely, Roberta J. Martinez' style='font-weight: bold' target='_blank'>READ MORE Roberta Martinez School Social Worker-Client
I would highly recommend Brayam Arguelles to anyone including friends and family. Excellent communication skills and walked me through the entire process without any trouble or confusion. Once again, Thank you Brayam! Luis Garcia Autobody Technician
Brayam Arguelles was very helpful and efficient at getting my loan put through. Courteous and friendly also. I would recommend him to everyone. Helen Thomas Home care giver
Brayam es una exelente persona siempre contesta las llamadas, y si por alguna razon no alcanza a contestar el regresa la llamada, es una persona humilde, y talentoso, sabe hacer su trabajo muy bien, y es muy cuidadoso en lo k hace, si necesita ayuda en la compra de su primera casa, ... READ MORE Mayra zamora Compradora por primera vez
Atento sabe lo que se necesita hacer. Te mantiene informado Arito Ochoa
Brayam and his team are amazing! As a first time home shopper, I was so confuse and didn’t know where to start. I gave him a call and real quick told me what I had to do before I get started on looking for a home. The communication with him was the best, super quick and helpful. ... READ MORE Katia Brito Katia Brito Medical assistant
I'm very happy with brayam's work. he is always available to answer any questions and doubts. he treat me like a family I recommend him he does a very good work! sergio cabrales construction worker
Brayam was the perfect candidate to help me and my family purchase a home. I started back roughly 8 months ago and Brayam was helping us every step of the way giving us options and helping make the loan funding process smoother. I would recommend anyone looking into buying a home to ... READ MORE Luis Alberto Electronic Funds Transfer Associate
Brayam went above and beyond with our entire process from finding us the best realtor to finding me the absolute best loan and plans availble to me. His communication and response times was very impressive he kept me and my wife updated every step of the way and never felt forced into ... READ MORE Rudy Torres Gila River Gaming Comission: Gaming Inspector
Bryam was amazing! Was very patient and answered every question we had swiftly. Accomplished what he promised us. We definitely recommend bryam to anyone. Thanks alot to bryam for his professionalism and honesty. We are very happy with our dream home! Aaron caraveo Exterminator
Bryam was amazing! Was very patient and answered every question we had swiftly. Accomplished what he promised us. We definitely recommend bryam to anyone. Thanks alot to bryam for his professionalism and honesty. We are very happy with our dream home! Aaron caraveo Exterminator
Bryam was amazing! Was very patient and answered every question we had swiftly. Accomplished what he promised us. We definitely recommend bryam to anyone. Thanks alot to bryam for his professionalism and honesty. We are very happy with our dream home! Aaron caraveo Exterminator
Bryam was amazing! Was very patient and answered every question we had swiftly. Accomplished what he promised us. We definitely recommend bryam to anyone. Thanks alot to bryam for his professionalism and honesty. We are very happy with our dream home! Aaron caraveo Exterminator
Brayam was sensational helping me with the process of purchasing my first home. His commitment to the customer to eliminate barriers & meet expectations was surreal. He never folded or hesitated with information. It is evident he is knowledgeable in his role. Brayam was ... READ MORE Max Rios Moreno
Brayam was awesome,great,exellent, knowledgeable, he was very helpful throughout the purchase of my new home . I’m really thankful we were able to get approved. He explain everything detail by detail which was very helpful. He was there at all times , I would call him or text him ... READ MORE Roy Barrera Buyer
Brayam and his team were wonderful. As a first time home buyer they made this process so Easy. He was always available and answered all of my questions. Would definitely recommend him to anyone looking to purchase a home! Alexia peinado Home buyer
Brayam did a great job through the whole process. David nava Recent client
It was a great pleasure all the help Brayam Arguelles did for me he always willing to help. Definitely I recommend Brayam Arguelles. Marisol Hernandez Operator Backup Lead
I recommend Brayam Arguelles, He is a great Loan Officer. He helped me during the process of refinancing my home. He answered all my questions and supported me during the whole process. I will recommend him to anyone who is trying to refinance or buy a home because he always tries to ... READ MORE Jazmin D Molina Jazmin D Molina Teacher
excellent person, help us with all our doubts, guide us throughout the process with the purchase of my house, thanks .. Olga Sanchez
When I first started looking into buying a house I was nervous and scared, once Brayam got in touch with me he helped ease all of the nerves and fears. He went above and beyond to help me get my first little house and I couldn’t be more happy with his service, and not only that ... READ MORE Kevin Rodriguez Kevin Rodriguez
When i went thru a different company trying to refinance it was a drag asking for so many things.Finally I was able to get his number from my sister and the moment I spoke to him he immediately said yes of course we can do it no problem. The process was smooth and easy and he was ... READ MORE jaymie munoz Manager
Excellent customer service! Very professional, fast and always there to answer any questions you may have. Nelida Villa Production Scheduler
To be honest , Brayam was great . It was my first time buying a house and had tons of questions, he answered all .super helpful. I truly recommend Brayam to everyone that is ready to buy . Rigoberto Bravo Buyer
very satisfied with your work brayam ... you did a great job with us ... speed and efficiency ... 5 stars for you!!👌 Walter lau
He's a really good person to work with, also is there when you need any clarification or have questions he is there always there to help. He is one person you can count on, does follow ups with you! Always has a smile on his face, ready to work and help you out! Blanca Garcia Lead teller
Brayam is a great loan officer! Easy going and Very professional and dedicated to his job. Hes a trustworthy person and explains everything in detail. Gabbie Aguilera
Great job of brayan he help a lot to us buying a house i recomend it..10starts Jorge Fabricator of granite counter tops
My wife and I were trying to get a mortgage loan but we were having hard time because of the loan officer hours, 8am to 4pm M-F my same work schedule. Until we found Brayam Arguelles with Amerifirst. He had the same work schedule but still he said we could call him at anytime 24-7. ... READ MORE Luis Aranda Clients
Always answered the phone, always got back to us with information. Was able to calm us down when things got tense. David K Wilson Associate Principal/Athletic Director, Alchesay High School
Brayam was an absolute please to work with during our transaction on the purchase of our new home. Not only was he always willing to help and answer any and all questions we had he also made sure to be available to us even after business hours. I am a realtor here in the Valley and ... READ MORE Ron and Joanna Wertz Clients
I appreciated your patience and professionalism. Good job and, if anybody asks, I’ll recommend you and Mark. Michael Curran
Excellent job worked very hard to get me funded anthony peralta
As a first time home buyer, Brayam made buying a home very easy. Although we never got to meet in person, their communication was always prompt and emails and phone calls were always detailed. We closed on the home within about 30 days after being prequalified for the loan. This ... READ MORE Rebecca Estill
Definitely recommend Brayam! Gilberto Garcia
Working with Brayam was a great experience. He assisted through out the entire process and found ways we could save money by refinancing through him. His communication was on spot and explained the need to meet certain dead lines. His staff is also excellent with the assistance they ... READ MORE Hugues Byrne Corrections Officer
Brayam and his team have a can do attitude and work hard to ensure all bases are covered and there are no last minute surprises. We were faced with needing to close in 30 days and they made it happen for us. Anyone else we talked to said a minimum of 45 days. The process was easy and ... READ MORE Marvin Lomax Sales and Service Technician
Brayam and his team did a fabulous job on our home loan! They were there for us and went out of their way to help us!! Stress free!!!! Thank you!! J and J McGinnis Practice Director
Brayam and his team were amazing. Not only did he help with getting our loan done he helped with more financial issues we were having. He was super fast and proactive, never skipped a beat. I would recommend him over and over again and will definitely contact him on the future if we ... READ MORE Christopher Reed Retail manager
Very professional & knowledgeable, gets the job done!! Joe Montalto Broker/Owner
Keeps you informed and made sure everything moved smoothly and efficiently Debbie Apodaca
Brayam and his team provided exceptional guidance to my wife and I as we engineered our home purchase and relocation from Tennessee to Phoenix. Due to scheduling conflicts, our process had to managed remotely. Mark and his team assured that a confusing, intense process moved forward ... READ MORE Tony Harmon VP, Business Development
My experience was with Brayam, who works for Mark. Always ready with an answer to my many questions. The buying of our home was smooth, despite the many layers of paperwork. Thank you, Richard Fox Richard Fox
Mark and Brayam were outstanding to work with. When problems arouse they stepped up and completed the loan in unbelievable time. it was a pleasure to work with AmeriFirst and Mark and Brayam would highly recommend them to everyone. JAMES SIPLE
Mark and Brayam took great care of us through the home purchase experience and got the loan processed in record time. Great job and many thanks. Kim and JoAnn Walsh
I was in the middle of doing an FHA home loan from another loan officer and had so many problems, 60 later I changed and went with Mark and Brayam and Amerifirst, could not have made a better desicion! They got my loan through in 2 weeks. Love these guys they're awesome. I will ... READ MORE Amy L Fonger
Brayam and his team did an OUTSTANDING job for both my wife, Robbin, and myself. Everything was done long distance (moved from Spokane WA) and on-time !!! I would recommend Brayam and his team, without reservation, to anyone needing to secure a new loan, refinance, etc. PATRICK G. ROONEY' style='font-weight: bold' target='_blank'>READ MORE PATRICK GEORGE ROONEY B-777 INTERNATIONAL CAPTAIN, FEDEX, Retired

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