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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.

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

Mike was fantastic through the whole process. He treated me like family and looked out for my best interests. He not only gave a great service but gave great advice. I appreciate this man and you will too! David White Educator
Mike and his team has always been great to work with. He makes himself available, responds timely, and if he says he's going to do something, you can count on it being done. His experience and professionalism has resulted in two easy timely closes for me so far. I'd definitely ... READ MORE Patrick Fang
I was able to get my house refinanced quickly because Mike was upfront with everything that I needed to do and was always in contact as soon as anything was needed. Doug Handy
Mike was exceptional to work with! My husband and I really appreciated not only his knowledge in home finance, but the ease he gave us during the process. Michelle Fearnside
Mike Foxen is one of those people you never have to doubt. He goes above and beyond with every transaction he's done for us. We have been using Mike since 2000! He has great suggestions, and is completely honest about any situation and gets things done. I would never use anyone ... READ MORE Kevin & Sherry Hughes Retired, Director of Practice Management
We have known Mike for a number of years. He has obtained mortgages for us on numerous occasions and everything has always gone smoothly. We definitely would recommend him with five stars. Linda Q. Martinez and Thomas Martinex
We just closed escrow on our family vacation home. Mike and his team provided excellent service from the initial request to final loan funding. He was very prompt in getting us our prequalification letter, which helped provide confidence when we submitted our purchase offer in this ... READ MORE Tom B.
Mike us very knowledgeable on the current market conditions knew exactly when the lock my loan and keep me informed the entire process either by email or personal phone call thank you for a great job CWPage CWPage CEO
Mike Foxen is one of those people you never have to doubt. He goes above and beyond with each and every transaction. I have been using him for my mortgage needs since 1999! He has great suggestions, is completely honest about any situation and gets things done. I would never use ... READ MORE Michelle Wright Practice Manager
My whole refi/cash out process was painless and smooth and each step went as he said it would. Mike stayed in constant contact with me through the whole deal and even called me during his family vacation to follow up and make sure I didn't have any questions and he always had the ... READ MORE Wayne Mumford
Mike is great. Hard working and willing to help you with every step. He understands the time line and works with you to make sure all items are taken care of and is ready for you to get your dream home. Joshua Gaberel RME regal launch manager
Mike Foxen has been my loan officer 2 times now and he is always very helpful. He has always made me feel very comfortable throughout the whole process and I highly recommend his services. Maria Espinoza
Mike and his team at Amerifirst Financial were extremely helpful. He guided us through the process of a non-traditional home purchase from start to finish. He was recommended to me by a friend, and I will certainly recommend him in the future. Toby Bristow
Mike is amazing, I had been a renter for so long and watched prices keep rising for rentals, I was referred to Mike Foxen after having a bad experience with a local lender. Mike went above and beyond to make sure I understood everything and was ready to buy. A year and a half later, ... READ MORE Cynthia C
Love Mike! He’s great with keeping us up to date on paper and status of loan etc. Always willing to answer questions. This is our second time working with Mike. Samantha Bautista
This was our second time purchasing a home, and it was a great experience with Mike Foxen. Mike is knowledgeable and was able to clearly guide us through the process and answer any questions we had. He answered the phone just about every time I called. If/when we have to go through the ... READ MORE Colin Hough Marketing Manager
Working with Mike Foxen and AmeriFirst was the best experience. The process was organized and his office was prompt. He walked us through each process every step of the way and we felt very confident. We highly recommend Mike and his staff. Janele Howell HR
Thank you so much for securing my purchase loan and refinance. Mike you were organized, through and professional always quick to answer all my questions. As well as kind which made all the difference in our interactions. I put all my trust in you and you most definitely came through for me. Daisy Castro Registered Nurse
Mike was great! He showed great patience with me during the entire refinancing process, quick to respond to inquiries, and willing to "hold my hand" throughout. I was very appreciative with how quickly and efficiently everything was handled! Joan D. Pack Rehabilitation Counselor/Administrative Assistant
He is great ! Emil Ramada
Mike did a great job for us. Both of us are business owners which greatly complicated the whole process. In addition we were in the middle of our COVID scamdemic which added additional complications. Our previous attempt at re-financing with our existing mortgage company was ... READ MORE Steve and Sandy Slumberger Owner Slumberger Lumber and Hardware
Mike Foxen at Amerifirst works with very diligently to successfully close every transaction. Carlos Calderon Real Estate Agent/Investor
Mike is a great Loan officer. Worked on our paperwork in a timely manner. Very professional and great people person. I would recommend mike to my friends and family! Kimberly Ann Chandler Kimberly Ann Chandler Buyer
We were extremely impressed with Mike Foxen and his staff. He and his team worked diligently on our loan process. We received communication from his office late in the evening and on the weekends to make sure our loan process was done in a timely manner. We are living in our dream ... READ MORE Lisa Ramos Buyer
I am glad I decided to work with Mike Foxen on obtaining my home loan. Not only did he patiently answered all of my questions and informed me of all my options, he was always just a text or phone call away if I had any concerns or needed any clarifications. He informed me as each step ... READ MORE Christine P. First Time Homebuyer
Mike fought hard for us to get our transaction closed. He communicated well during all the steps of the process. Mike and his staff were wonderful to deal with. Mike, we really appreciate you! Thank you. Mark and Hilary Houston Mike Foxen
Mike was amazing! We made a plan to wait for rates to drop and when it was time to execute he and his team did so. Told us what to expect and what was coming in the process. Would highly recommend Mr. Foxen and his team! Thanks again mike! Eric Pendergrass Locomotive Engineer/ Conductor
We have worked with Mr. Foxen twice in the last 3 years. He assisted us with our initial home purchase and most recently for the refinancing of our home. I would highly recommend him to any future borrowers. Mr. Foxen and his staff were efficient, professional and very quick to ... READ MORE Peter & Patty Chilpigian Satisfied Borrower
Mike was absolutely fantastic and always professional throughout the loan process. He was always available to discuss progress and answer any and all questions. He was honest and forthright from the start and allowed the process to be significantly less stressful. He and his team were ... READ MORE Ben Merkel
Mike was absolutely fantastic and always professional throughout the loan process. He was always available to discuss progress and answer any and all questions. He was honest and forthright from the start and allowed the process to be significantly less stressful. He and his team were ... READ MORE Ben Merkel
Mike Foxen has secured two separate home loans for me and is very thorough and easy to deal with. I would and have recommended him to anyone looking for a home loan. Michael C Miranda Vice President
This was our 3rd time using Mike for a mortgage. Mike was recommended to my husband by his first agent for buying a older home then he was agin recommended to us by our new real estate agent 5 years later. We have used Mike to buy an older home, new construction home and a refinance ... READ MORE Emily Hughes
Mike and his team were amazing! I had a very difficult loan to do and he worked me through it step by step. I will highly recommend Mike to all of my real estate clients! Norm Schendel Realtor
Mike was great to work with, He and his team are very responsive and on the ball. We had a VERY smooth transaction with Mike and would highly recommended him as a mortgage professional. Cole Gallaher Insurance Agent
Mike is very professional he explains everything in a way so that anybody can understand him. He's very thorough with the work that he does and he's just comfortable to talk to makes you feel very at ease and I would recommend him again. Tracy Levi
Mike makes this such an easy process. He is great to work with and so is the rest of the staff! Everyone goes above and beyond here. Danelle Henry Account Executive
Mike is AMAZING! He is very personable and kind. His expertise in his field is second to known. We will absolutely trust him again in the future. David May & Tracey Campbell David May & Tracey Campbell
If you want someone who will work tirelessly to get you the best deal, make honest recommendations and do it all with sincerity and humor - then Mike is your guy! I have worked with him several times since 1999 and wouldn't dream of going anywhere else. Thanks Mike for all you do! Michelle Wright Practice Manager
Mike was awesome! He was very honest and straight forward. I felt like he wanted the best options for me Naomi
Mike and his team did a great job with our refi. Was quick and easy with no hiccups. Would recommend to anyone! Nick stopper Production manager
It was a pleasure to work with Mike on the purchase of my new home. Things did not go so smoothly, through no fault of Mike, but he encouraged me when it was taking sooo long to close on my house. He is a great asset to his company. Wanda Friesen Wanda Friesen Customer Service Representative
Mike Foxen is the best lender out there. Have dealt with several. He always responds quickly, is knowledgeable, and closes quickly. I will definitely be referring him to friends and family. Look no further for your next Loan Officer. Tony DeGeorge Business Owner
I just bought my first house and Mike Foxen was absolutely amazing to work with. He worked his magic, and I am in my house. What a blessing. He and his team are wonderful to work with and I would highly recommend them Shelly Kinsey
Mike and his team were great to work with we were moving across country and they helped so much in working with our timeline And all of our numerous questions. I would highly recommend using Mike and his team Donna Landers
Mike was amazing at keeping us informed throughout the whole process of purchasing our home. He was always ahead of the game in regards to ensuring all our documents were in line without any hiccups on his end. Would highly recommend! Kyle Melching New Home Owner
Mike was a pleasure to work with. He has helped us with a loan in the past, so we were pleased to work with him a second time. Highly recommend! Noah Boyden
Well I really just want to thank Mike and his team we are really Thankful for everything that they did. They went above and beyond. I truly recommend Mike and his team they are very knowledgeable and they will go above and beyond to get you in your dream home. Once again thank you Mike Saul Esparza Nations Roof Journeymen
We have bought and refinance with the help of Mike Foxen. He was always available even after office hours to answer any questions we had.I will recommend Mike and his team if your buying a home or refinancing. Roberto Polanco Security Officer
Fast and Easy Process! Chris Foxen General Manager
Mike and his team did a great job at guiding me through my mortgage loan. They presented their recommendations as well as alternative options with pros and cons for each. I was very happy with the services and professionalism Mike and Mikes team had to offer. Trenton Crouch Sales Representative
We have worked with Mike twice. It was a very positive experience both times. He was very patient and helpful with all our questions. Looking for and buying a house for us was a long process but he was very supportive thru the whole process. You can’t find a better person to ... READ MORE Bonnie Buus Pharmacy Tech

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