Skip to Content


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.


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

Let's accomplish more together.

get In Touch

Back to top