Skip to Content


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.


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
Brayam was extremely helpful and was very honest and professional with me and my wife during our loan process. He made the process so easy and I would recommend him to anyone who is interest in buying. Michael Rodriguez Amazon
If anyone is looking to purchase a home I highly recommend Brayam, he is a very honest person he is very honest with any questions that you have for him he is a very very excellent person to work with if there's anyone interested in purchasing the home it's no lie contact this ... READ MORE christina gortariz School bus driver and CDL instructor
I don’t know about you, but purchasing or refinancing a home can be nerve-racking. Fortunately for us we were assigned to Brayam Arguelles with AmeriFirst Financial. Brayam was always straightforward with us; we must have called him a million times about documents they needed to ... READ MORE John and Theresa Sorensen
Definitely i will recomend Brayam Arguelles to others in need of a house loan, he is very smart and helpfull doing his job, we had a great experience with him getting our house loan, thanks Brayam!!! Juan Pablo Romam Fiber optic technician

Let's accomplish more together.

get In Touch

Back to top