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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.


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.

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