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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

Vince was wonderful every step of the way. He was available when needed to answer all of my questions. Vince provided a smooth and excellent experience. He was highly recommended to me and I will also pass that high recommendation on. Denelle Little Home Owner
Vince is fantastic, we have utilized him twice now. He is very responsive and has a great team. The process was quick and very easy! I highly recommend Vince (and have to friends and neighbors). If your looking to buy or refinance, you should definitely consider Vince! Ernie Stockinger Engineer
Vince did an excellent job with our jumbo loan while we were also selling our home, so we needed the timing to work out. He was on top of everything and always getting us items that we needed to complete right away and communicating with us throughout the process about items. His team ... READ MORE Michelle Stone Claims examiner
I had absolutely no intention of refinancing my house - even though I knew it was the smart thing to do. In the end, I decided to go forward if, and only if, Vincent Lucia was available to support the process. This was the 3rd time that I have worked with Vince and the process was a ... READ MORE Laura A Ryan Laura A Ryan Director, Academic Planning & Analytics
I was one of the lucky barrower that got a chance to apply for a home loan with Vince. An amazing experience. He and the team provided a pleasant experience in getting my loan approved and funded. The terms were great. He is very detailed, punctual and knowledgeable. He replied to all ... READ MORE Massoud (Mike) Shamshirian Director of Sales
Vince was great! He answered every question, communicated clearly and moved through the process efficiently. I felt very comfortable with my decisions and never felt pressured. I would recommend Vince to anyone. Great experience! Julie Nemanick
Vince did a great job on our refi. I've known him for a long time and heard he was good in the mortage arena, but because of his longevity in his field, his experience has enabled him to be viable even at this time. His main strength IMO is his customer service. My wife had many ... READ MORE Glenn Baza Sr. Manager
I just want to say my first time buyer experience with Vincent was SUPERB! I was not stressed during the pre/during/post of escrow! At one moment I couldn't believe how stress free it was that I asked Vincent am I in escrow? lol! He was so nice and detailed in the process! I will ... READ MORE Jeanette M. Jackson Jeanette M. Jackson House Buyer
Vince is the best of the best, and makes the process of borrowing and refinancing incredibly easy. His communication and kind personality make him a joy to work with. We cannot recommend Vince enough. Emily Krous Home Owner
Vince and Tracy crushed this! I thought with all the chaos going on with Covid 19 we would have a very tough time getting this done. Nothing could be further from the truth. It was a smooth and easy process and Vince was there to hold our hand when we had concerns. I would highly ... READ MORE michael maher and Denise Maher
It was not long before I knew Vincent was a great guy. When I first met Vincent, I could sense he had a passion for his job. Vincent was open and honest with me through the whole process. Trust takes time and Vincent proved loyalty, integrity, and that he always has my back to find ... READ MORE Patrick O’Donnell Patrick O’Donnell Sergeant in Law Enforcement
Vince is absolutely one of the best loan officers we've worked with. He's been an awesome person to deal with and VERY knowledgeable of the finance arena. Along with his processor, Tracy they are FABULOUS! Rose Hadaway Broker Associate
Vince was the absolute best. There was never a time that I could not call him with questions and he would not answer or call me back when he had the best answer. He always checked up on us to make sure that we were good both personal and professionally. When it came time to looking at ... READ MORE Gregory Holm
I have worked with Vince for years, he knows his job very well, communication skills are excellent! I will refer Vince to my clients as I have put my trust in him for all our lending needs. Jean Hamann
He gets the job done. Robert Sanderson Mr.
Vince was very helpful and stuck with things during "The longest refi in history". The initial appraisal came in under what was expected and he was able to get a second one performed. The second appraisal was in-line with what my expectations were for the property. When ... READ MORE SEAN P. DUGAN
It was a pleasure to work with Vincent Lucia. He made refinancing our home easy. He is knowledgeable and thoughtful. After working months with two other institutions that couldn’t complete the task he did it in two weeks and we got a better rate. I will gladly recommended him to ... READ MORE Roger Reaber
We put an offer on our home less than a month ago. We had been working on getting a loan through our bank, but their every misstep made it seem like an impossibility. We got in touch with Vince and he made things happen. He's fast, efficient, and he gets it done. Diane B. Client
Vincent was excellent, he was quick, informative and walked us through the process. Relieved our nervousness. Now we are in a better space financially. We recommend his services. Bob & Diana Grossi Retired
Vince and Tracy are absolute rock stars! They both made the loan process super easy to navigate and understand. I went into a refinance with them not understanding how the loan process works very well and they held my hand through every step and provided excellent communication every ... READ MORE Anonymous
Vince was really great to work with. He was involved with us all the way to the very end and explained anything we needed help with. He always got back to us in a timely manner day or night, by text or by email. I would definitely recommend Vince to others to work with. Andrew Florian Satisfied Customer
Vince was great to work with! He was very professional and helpful throughout the entire process. He was always available. Highly recommend him! J. Villaruz
Vince has now arranged for 4 loans for me on various properties. Each time he has been very fast, efficient and extremely responsive to me any time I have had questions or concerns. He is that rare person whom I can really trust to be honest with me, to do the job excellently and to ... READ MORE R Bennett Landowner
Vince was "simply amazing" !!! He was very professional, thorough, patient, informative, very resourceful !!! Yes he was our financial loan officer, but during the process we became very good friends. Many Thanks, Chris. Christel Burr Fidler Retired Plumbing Salesman
Vince was very knowledgeable and always available for us. Thanks again! Gail Stell
Vince did a great job. This is my third loan that Vince acquired for me and like the previous 2 he did an amazing job. He has been accurate from day one with starting the loan, presenting loan docs and completing the loan. He communicates and develops an honest relationship where you ... READ MORE Mark Lucero Construction Superintendent
I was referred to Vince and I must admit it was the best referral I ever received. I broke down my situation to Vince and he understood and helped with educating me on my situation, honesty and most importantly trust. He welcomed ALL my questions and was extremely professional. He ... READ MORE Mildred Scherr
Vincent is friendly and so knowledgeable. He worked tirelessly and quickly. He has helped me with twice and has earned my respect and trust. I highly recommend him. Janele Devereaux Teacher
Vince Lucia is the ultimate professional. He helped me every step of the way. He always kept me informed and was always available to help me. Even after my loan was funded, Vince checked with me to see if everything was progressing smoothly. I would highly recommend Vince to anyone ... READ MORE Sharon Riddle
Vince goes above and beyond to make things happen. He finds out what your unique needs are and makes sure that they are met. Both my realtor and I were amazed that he was able to fund and close the deal within 24 hours, and before a 3 day weekend. Thanks, Vince! Edwina Cirelli
It has great working with Vincent Lucia, I highly recommend Mr. Lucia as your Mortgage Loan Officer. Mr. Lucia is very knowledgeable and professional, he will find the best rates for you, and make the purchase of your home run smooth. Elba Ruvalcaba
Vince made obtaining a loan seem easy No hair pulling I wouldn’t hesitate recommending Vince to anyone Ed Foster Homeowner
When our original lender dropped the ball with two weeks until closing, Vince picked it up and ran with with it, getting us financed and into our new home even earlier than originally planned. His trustworthy and professional demeanor put our minds at ease throughout the entirety of ... READ MORE Kenneth Kwitek Kenneth Kwitek Engineer

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