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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.


Very efficient. Got my family the best deal possible and worked hard to communicate and get done what needed to be done. Greatly appreciate his hard work. Kyle Bewley Software Engineer
Good cervice exelent treat nice person I feel so happy 100%satisfied with everything in all paper work so friendly good job Roberty paz Roberty paz Freight handle or truck driver
Ramon and Clemente were there to help me thru the process of my first home and I can’t thank them enough for the great service they provided! Highly recommended! Michael Glen Michael Glen
Ramon and his associates really did all they could to make my experience pleasant. Communication was an important aspect that comes to mind. He was professional and offered to review many processes without making me feel rushed. I would recommend his services in the future. RJ Ricardo Jaso
Can't speak enough about my experience with Ramon and his team, the application process was seamless and very detailed. The purchase of my new property was done on time with no surprises or delays. The documentation process was extremely streamlined for the client's benefit and ... READ MORE Dallid Vargas Operations Manager
Was a pleasure working with Ramon, I was probably a major pain in his rear with all the last minute changes, and challenges i proposed but he was terrific, poised, and knowledgeable on all realms. Helping from start to finish with everything throughout the process. David Probst Research and Technology Engineer
This is second time I've worked with Ramon and his team. Each transaction was smooth and efficient and everyone on the team was knowledgeable in the process. I would not hesitate to use Ramon again in the future. :) David Miller
Ramon was/is very easy to work with. He is great with communication. Very knowledgable lender. Will definitely recommend his services. I had 2 loans closed with him and one coming up. Art Nersisyan
I have now, twice, had the pleasure of working with Ramon. He exceeds in attention to detail and communication. My wife and I, through the entire process, felt he had our best interest in mind. Michael E. Palumbo
Ramon Espinoza was great to work with. He was a wealth of knowledge and knew all steps to help me through my difficult refi. He is very responsive and gets all tasks completed quickly to keep to our short timeline. I would recommend Ramon to anyone. Joshua Baker
Mr.Espinoza was very helpful and respectful. Any questions I had he did not hesitate to answer them. Very thankful for Mr.Espinoza. Eduardo Rebollar Supervisor
Ramon was on top of my home loan from day 1. we closed a $510K VA Loan in under 3 Weeks!!!!!! Enough said! MARCUS D WEAVER Engineering Manager at INTEL
Ramon Espinoza was such a great individual to work with, always took his time to explain any questions I had for him, we had major complication throughout the whole process mainly because of my co-signer missing papers from the court . Ramon also worked with me and my co-signer as my ... READ MORE Jacqueline Rodriguez
Ramon has closed loans for two of my clients and two for myself in the last 4 months. One client came pre-approved from another lender but Ramon was able to close her two weeks earlier, with less paperwork and a lower interest rate. She was thrilled to get her dream home after the ... READ MORE Sherry Cross Realtor
Ramon made our home buying experience so easy. He went out of his way to help us handle things and answer questions even when he was on vacation. He is dedicated to helping his clients get into there future homes. I would definitely recommend Ramon and use his services again if I ... READ MORE Chris Curtis
Ramon and his team were amazing at making my home financing a breeze! They kept me informed the entire way (without ever seeming to be overbearing). And, they answered every question quickly and in a way that was easy to understand. I would recommend AmeriFirst Financial to anyone ... READ MORE Margaret Knox Accounting Associate
This is not the first time that we have required Ramon's services. Some time ago we used his services the first time and we were truly pleased that we definitely had to use him a second time. For now, I know that if I ever need a home loan again I will certainly use his services ... READ MORE Mariano Olvera Owner

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