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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.

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

Rich Jarnagin of AmeriFirst did an excellent job. He helped us with all of our questions, no matter what time it was. We were in a bit of a predicament when we first contacted him, and he smoothed the path. Thanks Rich! 👍👍👍 Esther J Taylor
RIch was great to work with! He was very responsive and provided me with several options for my mortgage to find the best fit for my needs. The process was very user friendly and everything went smoothly and according to plan! Michael Henry
Rich did a great job for us with our loan process. He always provided information when asked and kept in touch throughout our 6-7 of build process and through to the end. Thank you Steven Israel Manager @ Boeing Commercial Airplanes
Rich was very attentive to our needs. He is constantly working to get us the best rate and making sure the process is moving forward quickly and accurately. Although there were a few issues on my end, we managed to close on our estimated date. Thanks Rich. Jorge Garcia
Rich is amazing as a mortgage professional. He has done 4 loans for me. 3 were refinance and 1 was for a new home I purchased. I am glad we chose Rich to handle the loan for the purchase of our new home in 2015. There were several personal and business tax and income issues that I ... READ MORE Bruce Woodmansee
Nice guy! He kept me informed and updated. He made a getting financing easy. Kelly Nowlin Dental Hygienist
Rich was great, he made himself available 7 days a week and both him and his team kept us informed every step of the way. I would deffinetly recommend Rich as I will be using him again when I purchase my next home. Mike Durbala

Let's accomplish more together.

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