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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.


Super Contenta y agradecida con Minerva Celaya que desde el 2016 no nos soltó asta poder cumplir nuestro sueño!! Muy buen trato siempre disponible y lista para contestar todos nuestras preguntas y dudas!! Sin duda la Mejor πŸ‘ŒπŸΌπŸ™ŒπŸ» Janet Ulloa
Minerva was personable and pleasant to work with. We could count on her to answer questions when needed. We never felt like we were uninformed or just a client. We felt like we were important to her and we highly recommend her for any one needing a mortgage loan. Tim Arviso
Estoy muy contenta con el servicio recibido por una persona tan profesional como Minerva. Su atencion, su desempeno y su actitud positiva, hizo que el proceso de la compra de mi casa fuera mas tranquilo. Incluso senti mucho apoyo de ella en otra transaccion de venta de mi antigua ... READ MORE Maria Irene Pineda Empleada de CPLC
La mejor agente que pude elegir muy profesional y conocedora de los bienes, hace lo mejor para que su cliente esté conforme y feliz you are the best Minerva Oscar meza Oscar meza Supervisor
Minerva is the best this is my second time going with her she knows what has to be done and what can be done to get the best deal. I would go with anyone else but Minerva. Jose Leonardo Martinez United Rentals Field service tec 3
Es una excelente persona, amable, atenta, responsable y le interesa mucho su trabajo así como ayudar a los demás. La recomiendo ampliamente para procesar el crédito de sus casas. Alberto Lopez Safety Manager
100% recomendable muy buen servicio al cliente Oscar Castro Oscar Castro Machin operation
Minerva did a awesome job with our home loan. She went over and beyond in helping us through the process. We were able to close on our house within 3 weeks of applying. I would definitely recommend Minerva to family and friends. Olga Herrera Perez Correctional Officer
In a few words, Minerva Celaya is the best in this business. She will find the best way to help you in your new house buying process. Highly recommended!! Thx for everything Mine, God bless you big time!! Norman Picasso Agent Delivery at the ASPC
Very good job... Vicente Soria
Recomendable Manuel alejandro aguirre
Minerva Celaya es una excelente en su trabajo fue una gran ayuda para realizar el sueño de tener mi primera casa, es una excelente como persona muy accesible para cualquier pregunta, ella y su equipo de trabajo, yo siempre la voy a recomendar por mi grata experiencia con ella y ... READ MORE Angelica Mobley Angelica Mobley
She will always be there to help you Erik Reyes
she is excellent at her job. I was fascinated that there is always an answer to any question Cristian miranda A happy customer
I really recommend Minerva Celaya. She helps you get the house you want fast!! Plus she is a great wonderfull human being. Treats you with respect and alot of heart. Erica hernandez
Minerva is a very caring person, easy to work with. Always with a very positive attitude and a big smile. I can't thank her enough for helping us out. Briseida Pina Briseida Pina
God bless you all in the name of Jesus Christ She did a beautiful job . My family and I are very happy with her . From the beginning she was very informative. She explained step by step everything about buying a house . She is always a phone call away always answers . Minerva ... READ MORE Daniel Torres
Hello, first of all my wife and I would like to thank Minerva Celaya for being such a professional person through out this entire process of buying our dream home. Thanks for all your advices and for being a awesome friend. If you need some profesional assistance on your mortgage ... READ MORE Josafath M Urbalejo Home owner
She did a wonderful job helping us out with our home loan for the second time. She's very Professional, friendly and very attentive. We highly recommend her!! Marco and Migdalia Uribe CO II , DA
Minerva did a great job very happy with her. Highly recommend. Guadalupe Lozano
Tuve un excelente trato muy buen servicio. JosΓ© aceves Tractor dtiver
Muy buen trabajo me atenduo de lo mejor y siempre me ayudo en todo lo k pudo Erik quintana Buyer
I would recommend everyone to go with Minerva for a loan she is great. she explains everything in detail and always has answers to your questions. Karina vera
Thank you so much Alejandro Galvez General labor
Minerva es muy buena persona y muy professional en su trabajo.. siempre tiene tiene tiempo para ti y te explica muy bien todo el proceso.... yo la recomiendo 100% Christian ramirez
Minerva is the utmost professional I have delt with. Minerva made the whole transaction super easy. I will recommend her to everyone I know that is looking for a lender. Michael Dunstan CUstoms&Border Protection Officer
Primeramente a mi Minerva me parece una persona muy amable muy positiva y responsable de su trabajo,a mi me ayudo mucho para que yo obtuviera mi casa porque yo creia que yo no calificaba para eso y ella lo hizo posible y estoy muy contenta porque gracias a ella yo ya estoy en mi casa. Josefa Amaya
Minerva Celaya is professional and caring. Since the process started to get me qualify for a mortgage loan Minerva Celaya did an excellent job handling the process. Minerva did everything possible to make the process easy and fast. I appreciate the help I got from Minerva and her assistant Alice. Marcela Rocha
Really great service. Really there with you and work that extra mile to accomplish your dream in homeownership MICHAEL A HERRERA Buyer
100 % recomendada , minerva me ayudo en mucho , y la verdad yo no creia poder calificar para obtener una casa, pero grasias a ella , que es una persona muy amable muy trabajadora y le pone empeño, pude obtener mi casa , la verdad me abrio mis ojos que todo se puede en esta vida ... READ MORE irving
Muy linda, amable, empatica y profesional. Super recomendadisima, no solo hace muy bien su trabajo, le pone siempre un extra, no porque lo tenga que hacer sino porque ella es asi, muy entregada a su trabajo y buena con sus clientes, a mi me ayudo a tener mi casa a pesar de que yo ... READ MORE Anicia Aguiar Torres Clerk at USPS
Words can not express how amazing, of a person Minerva truly is. I am so moved by Minerva's outstanding achievement to truly help My family in getting into a home. I am so thankful Minevera took so much time helping us one step at a time. Her professionalism in every aspect was ... READ MORE Jocelyn Byrum Beauty advisor
Minerva is a great person and very helpful, Minerva help me a lot to get my house i really recommend her Maricela Lopez teacher assistant
Amaizing job helping us with our house!! Good quality of attention and any explanation we needed Manuel salcido Dentist
Amaizing job helping us with our house!! Good quality of attention and any explanation we needed Manuel salcido Dentist
Amaizing job helping us with our house!! Good quality of attention and any explanation we needed Manuel salcido Dentist
Minerva was very knowledgeable, friendly, caring when we began the process of purchasing our first home, we are so greatful with her. Alberto Verdugo Micker Computer technician
She has been a blessing in our lives and we are very thankful for her great support, dedication and commitment of making our dream of having a house come true. Very much recommended. Lizeth Angulo center service manager
Great she is a excellent person Alberto Mendoza
With great pleasure we can recommend Minerva as your best option for mortgage loan officer. She went on an beyond to give us the best service possible. She offered us the best options available even if she did not received anything back from it. Honest, dedicated, friendly, and caring. Jose Luis y Alexis Marquez

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