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State License: AZ #930609

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

Rob made our home buying process so seamless! I've never worked with a company that has been so incredible and easy to work with! AmeriFirst Financial really puts you as the customer first! Emily Trimino Emily Trimino Project Manager
Best in class experience! AmeriFirst Financial has treated us with white glove service throughout our home buying process, we can't say enough good things about them! Every step of the way they have been there moving things forward for us! After purchasing many properties, this by ... READ MORE Christopher Trimino VP of Operations
Thank you for the outstanding job you did for us Rob. We will Recommend you to our friends who need refinancing or looking for a new home. We appreciate your professionalism, and all the hard work you put forth to make this happen for us. Thank you . The Hartleys Frank and Linda Hartley
I highly recommend Rob and his team. They are awesome and made my refinancing so easy Thank you! Samantha Dains
Rob Davis and Sara kirk and their team were very professional and knowledgeable and did an amazing job in completing my REFI in a timely and efficient manor.. Will definitely work with them again in the future. Jeff Francis GM
Rob Davis and Sara kirk and their team were very professional and knowledgeable and did an amazing job in completing my REFI in a timely and efficient manor.. Will definitely work with them again in the future. Jeff Francis GM
Rob and his team were very professional and efficient! It was a pleasure and very low stress doing my refinance with them. I would and will recommend them to anyone! Billie Grubb Customer
Rob was outstanding! He was Quick to reply and recommend the best options for me. I almost didn’t refi thinking I couldn’t make it work and he did it flawlessly! Thank you Rob and team!!! Katelyn Peterson
Rob & his team made my refinancing a very smooth & rewarding experience! After coming across high fees & cumbersome paperwork with other companies, it was very refreshing to find Rob; his fees are extremely reasonable & the paperwork uploading/signing was seamless. ... READ MORE Lori Donna
Everything went very smooth and I felt like I was kept up to date as the process progressed. Rob and his team made sure we were educated and understood the decisions we were making. Great experience! Angela Garcia Office Manager
Rob and his team at AmeriFirst was very professional. They made the process of Refinancing go really smoothly. Communication was always there. I would highly recommend using them! Damon Minor
The loan process was thoroughly explained, and was handled very professionally. We are happy with the results, and will use American again if the need arises. The staff was extremely helpful, answered all questions promptly. Thank you ! Thomas R Eoark Thomas R Eoark
he was great everything was done smoothly thank you Rob for job well done. vicky haytaian
I would highly recommend Rob Davis and his company, as they were flawless in the refinancing of my home. The service was impeccable and done with great ease. All questions were quickly answered and explainEd in a way that I could completely understand. Rob is a very good man and I will ... READ MORE Keith Turner Special Agent
Rob qualified me seemingly within 30 minutes and of course I had to back up all the information I gave him but he was able to tell me quickly if I was going to qualify and for how much of a mortgage. Sara who works very closely with Rob and actually during the entire mortgage process ... READ MORE Sandra Accaira Administration
Rob Davis did an amazing job with my refinance. He made it as painless as possible. He is very knowledgeable and is always there to answer any questions I might have had along the way. He is very personable. Rob always has his phone on him and was more than happy to answer anytime of ... READ MORE Jeffrey Trimino Firefighter
They made the refinancing so easy mr. Rob Lance and Veronica very nice people any questions I had there were there I would highly recommend them to other people very nice people to care of me help me all the way through from the beginning to the end thank you for being a good employee... Sargon hagopian refinance
Rob was a massive help in our process of buying a home as first time home buyers. This can be a very intimidating experience going in, however he walked alongside of us through it all. They were very easy to communicate with and answered questions very quickly when they came up. On the ... READ MORE Taylor Downey Student Pastor
Rob Davis and his team were amazing to work with. From cutting edge technology for sharing documents and communication during a pandemic, to the warmest and most responsive customer service. Thank you Rob and team for helping my family achieve our refinance goals! Michelle S. Michelle S. National Director, Marketing & Sales Support
Rob Davis was INCREDIBLY knowledgeable, not only did he make sure literally EVERYTHING was taken care of. But he also made sure we knew what our budget was and what we needed to do to increase it. Because of him and the others in the team, we were able to find a first home for our ... READ MORE Mystical Hale Mystical Hale Administrative support at
Rob just wanted to acknowledge you and your team especially Lance and Veronica for making my recent refi loan process quick and simple. I was pleased to get the low interest rate and minimum loan costs that other mortgage companies could not compete with. I would not hesitate to ... READ MORE Jason J Refi Client
Rob was awesome. After dealing with someone who I didn’t trust and tried to take advantage of being a first time home buyer I decided to reach out to Rob. From day 1 he was super helpful and took the time to break down the process and make everything so simple. He got back quick ... READ MORE Omar B Home Buyer
Rob is so helpful, our loan been a quick process. I highly recommend him very professional. Marilyn Ople
Rob handled two refinances for us and everything went perfectly from start to finish. 100% recommend Rob and his team for your financing needs! Jesse White Real Estate agent
Rob Davis amd his team helped me refi an investment property and my primary residence at the same time. The process was seamless. We were constantly in contact and informed through every step of both loans. I would highly recommend Rob and his team. Nathan Roark Operations Manager
Absolutely an awesome experience with Rob and his team. Everything was pretty easy. He was very good about explaining what comes next. He was extremely responsive if I had questions or needed more clarification on things. I have already recommended him to several friends. I ... READ MORE Patricia brink
Rob has helped my family now for a 4th & 5th refinance. Rob and his team go to great lengths to understand individual circumstances and then apply their expertise and know-how to find a financing solution. We are grateful as it helped ease the financial burden of our mother. Rob is ... READ MORE Christopher A. Barreto Christopher A. Barreto Medical Social worker
Used Rob Davis for a couple Mortgages. He and his team are amazing! The process was very quick. Chris
Patient, accurate and easy to work with. Rob made the process stress free. Alessandra Sachs City of Scottadale
Rob Davis made the process of refinancing our home amazingly simple and straightforward. He was always available to answer questions and right on the details. We've owned several homes and this was the smoothest refinance with no surprises. We would recommend his services to friends or family. Thomas & Karen Lombardi Clients of Rob Davis
Rob and his team were professional, responsive, and got us a great rate on our mortgage refinance. I would highly recommend Rob to others, and have already done so! Allen Butler Allen Butler Managing Director
Rob and Veronica did a great job with my Refinance. I would absolutely reccomend them. Rate was the best I found and Rob was very knowledgeable of the market and process. I was a mortgage broker for 10 years previously and it is tough to gain my trust. He did it. Great group. Ken Beck Vice President
Rob and his team are amazing!! Melanie fahrenbruch Director of learning and development
Rob was amazing to work with, honest and reliable. I was extremely discouraged with the refinance process with other lenders and this was my third and final attempt to get this completed. I gave Rob all of my docs and filled out the application the next day I was locked in at 2.5 and ... READ MORE Natalie Juarez
Definitely Recommend Rob Davis and his team very professional and truly make the effort to get us through what we need for the purchase of our home Sara Kirk and Leisa Small were so much help to us as well Thank you so Much!!!!!!!!!! Ivan Enriquez
Rob is a very professional guy. He got an understanding of what we were looking to do, explained all of our options and helped us decide the best option. His staff is very quick and professional as well. Highly recommend. David Murphy
Rob and his team at AmeriFirst were fantastic to work with during the lending process for my new home. They were quick and efficient, and completely on the ball. If I didn't answer an email right away, Sara Kirk was quick to reach out to keep me on track. She also was quick to ... READ MORE Kelly O'Sullivan Home buyer
It was great working with Rob. My re-fi was a piece of cake and he made things so easy!! Thank you Rob!! Stacy Stevens Exam Program Manager
Rob and his team are amazing! We are first time home buyers and Rob always took the time to explain things when we had questions. If we called and he was busy he ALWAYS returned our call same day! Rob even covered the cost of the mobile notary coming to our house to sign the papers to ... READ MORE Kevin Feltner Asset Management Coordinator
Bob and Sara were amazing! They were available in the evenings and during office hours to answer questions, and never made me feel like my questions were silly! They wanted me to ask lots of questions! Even when there were glitches, and in life there are many glitches, they bent over ... READ MORE Paula Marie Banken Director of Nursing
Rob continues to impress. You call and he’s there to answer all of your questions (I find it rare that anyone answers their phone these days). His team keeps great communication during the entire loan process and your clients are always in loop. I definitely recommend Rob and his ... READ MORE Arie Luyendyk Arie Luyendyk Real Estate Associate Broker
Rob and his team were fast, friendly and competitive. They beat our other quotes by a large margin and thier fees were much less. I would recommend them to anyone! Paul L.
We appreciate Rob Davis immensely. He made the process of refinancing smooth and was readily available to answer any of our questions. One of the most notable attributes I was most impressed by was his patience. I would recommend Rob Davis and his team at AmeriFirst Financial for any ... READ MORE Fernando Ibarra Jr. Customer
Rob was on the ball the entire process and locked in a great rate for us. The process was flawless. Ryan Houser Medical
His team went above an beyond there job they where all nice an worked on a timely manner I’m very happy with what came out of my situation chad Creager
Just did a refinance with Rob and his team. Easy process all went smooth and quickly up Through signing in the home. Highly recommend this team. Kathleen OCallahan was my primary contact and she was great. Bruce Kides Home owner
I cannot begin to explain how wonderful my experience with Rob and his team was. From the start I was greeted with kindness and explanatory guidance. I was a first time home buyer and I was expecting an overwhelming and complicated process. Rob and his team went out of their way to ... READ MORE Rachelle Emry Rachelle Emry Certified Scrum Product Owner
Rob and Team were nothing short of amazing from start to finish. They were thorough, organized, and worked tirelessly to the end in what was a very difficult, Covid-19, environment. I highly recommend Rob for those looking for a knowledgeable, understanding, and professional lender team. Chris Jackson Financial Analyst
This is the second time around that I am dealing with Rob and his team. I finance my house and recently refinance. They are by far my best experience I have had with a lender. They work with you and treat you like you are member of their family, they are always there to answer your ... READ MORE Marwan Jasim Project engineer
We were thoroughly impressed with Rob and his team. From start to finish they were very easy to deal with and extremely knowledgeable. They took care of everything, all we had to do was sign. 100% recommend giving the Davis team your business. Thanks again Rob! Chad Cole President/CEO
Rob answers his calls day and night. He returns calls and he is always professional, cordial and interested. I recommend Rob Davis. Thank you for your help in navigating our home purchase. Robert Osorio Manager IT Infrastructure
We had such an awesome experience with Rob! Rob helped our process of buying a house smooth and convenient. We are so excited to be new home owners and are so thankful for the time and effort put in from Rob Davis and his entire team! Stephen Montano Stephen Montano District Manager
All I can say they are the best people I ever worked with I recommend them to everyone they work hard for you and they always stay in touch with you to let you know what’s going on step-by-step Great job will use them again roger haddad
We just completed refinancing our home with Rob Davis and AmeriFirst Financial. What a great experience! Rob and his team made the entire process painless. A special thank you to Veronica for answering all my questions promptly. We would highly recommend Rob Davis and AmeriFirst! Paul and Julie Brandenburg
Rob Davis was an absolute professional and a refreshing change of pace - as this was not our first home purchase but it was certainly the easiest! Rob kept us abreast of the process each and every step of the way and was always available if we had questions or concerns. I just may ... READ MORE Roger Tessier District Sales Manager
Rob Davis and his whole team was excellent to work with. They made my refinance process as quick and effortless as possible. Haeley Thompson Restaurant Manager
Rob and his team made the whole process easy, painless, and quick. Michael
Rob was extremely quick to process my documents and asked for the correct info the first time. Very knowledgeable and have already passed along his card more than once. Christian Toniazzo Network Admin
Quick work and answered any and all questions we had. Shawn porter
Rob Davis and his team made this a pleasant experience at buying our home. I definitely recommend Amerifirst Financial. Edwardo Deluna mail handler
Thank you Rob for everything you did to not only help us get into our new home, but also to get our refinance done. You are definitely being recommended to all of our friends!! We honestly can not thank you enough for your honesty, hard work and patience! Erica Meeks
They are very efficient and they keep a constant communication with you. They are by far the best in my opinion. Franklin Kwanoh
Wow! Last month I just went through a Refi with Rob Davis @ Amerifirst. This was one the the smoothest, least painful experiences in my life. I would HIGHLY recommend paying Rob a Visit if you are looking at a Refinance. The constant communication and ability to answer my questions ... READ MORE Jeff P A Very Happy Customer
Rob Davis and his group are awesome people to work with. I worked with them last month when I was buying my house. I recommend everyone to look up and work with rob davis and his team... Best guy ever worked with. Edward Cheserek Edward Cheserek
I had heard good things about Rob. He and his team did a great job on our refinance. He communicated well with me and the process was mostly online and easy. He offered the lowest rate possible and would highly recommend Rob and his team. Paul Purtzer Paul Purtzer Director of Instruction-Purtzer Golf Instruction
Rob Davis and his team (Sara Kirk who is who we worked with) were wonderful and made the ever so complicated loan process as easy as possible for us. Thank you! saayeh Elizaga saayeh Elizaga saayeh Elizaga
Rob and Veronica at AmeriFirst financial did a fantastic job on my refinance. It was a seamless and quick process, from start to finish. Barry Gaffney Information security specialist
Rob is awesome! He and the company went above and beyond for me. We could have closed 12 days sooner if I had wanted to. I would highly recommend him. This is the second house that I have purchased with him. Great guy. Michael Daly Customer
We recently purchased our home with the help of Rob Davis and Amerifirst Financial Inc team. The entire experience was stress free. As a busy mother of 2 kids with a toddler, preteen and career woman Rob was always available for discussion. He is very knowledgeable and answered all my ... READ MORE Veronica Reyes Registered Nurse
What I have to say is that Rob Davis and his assistant Sara Kirk basically backed up every word I was given. And I was assisted patiently all throughout the process. I would take my business to him again without a second thought! Jose D Farias Retired
Rob and his team treated me soo good and gave me the lowest APR of any bank I went to. Rob is very professional and always returned my phone calls and got my refinancing papers and returned back to me in a timely matter. I will do business with Rob any time. Outstanding team work. Thank you!! Joseph Dyresen None
Rob and his staff made the mortgage process easy for me. They followed up with me via email and text on a regular basis. Julie Pineda Teacher
Rob Davis made it easy to purchase a home he explain to me what I need to do and with his help in less than a month I was living in my own house. STOP paying somebody else’s mortgage for as little as it takes to move into a rental you can buy your own home !! Octavio Moreno Truck driver
Rob and Veronica were great with keeping me updated throughout the refinance process. Everything is automated and online, very easy to complete the paperwork. Andrew Larsen Supply Chain Manager
We had contacted Rob regarding financing our mortgage. It's done now, in less than a month, and yet it's still hard to grasp how quickly and smoothly the process was. It literally was painless and hassle-free. Our thanks and appreciation to Rob and America First. Rebecca Rorie
Rob has done an awesome job for me twice now and highly recommomend Louann Robertson
Very attentive and responsive. Good knowledge of product and helped me to save costs. Jose Medina Jose Medina
Rob and his team did a great job for us on our recent refinance. They got us a great rate and even closed our loan early. I will definitely recommend the Rob Davis team to my friends and family. Thank You for doing a Great job ! Mark Vogel Mark Vogel Retired
100% reliability! Great communication through the entire process of financing. Very low stress experience. We highly recommend Amerifirst and the Rob Davis team. Russ Smith Lead Pastor
I recently refinanced my home and this was the third time that Rob assisted me. It is always to work with him and his team. The process was so simple. I recommend Rob Davis to assist in buying a house or refinancing. Thanks Rob for everything. Melanie Saunders Melanie Saunders
Rob was professional and responsive in all of our interactions. I would contact him if I have further loan needs. Joe murria Joseph murria
As a first time home buyer I expected the worst about the mortgage process and thought I would be months out to be able to buy my own home, and that's if I could qualified at all. My first conversation with Rob eased my anxiety and put everything in a realistic prospective. Not ... READ MORE Brandy Sherling
Rob, was very professional at all times and helped us like no other company that we tried prior , He surpassed our expectations and can recommend him confidently to any one who needs his services . Thank you Rob Davis Aracely Latina Aracely Latina Borrower
Mr. Rob Davis and his team has been so gracious and professional during the transition of my purchasing the home I love. He is very patient and answered all the question and concerned I have during the process. Mr. Davis's and his team are the right personnel to assist anyone ... READ MORE Ludivica Stickler Finance Analyst IV / Retired
Working with loan officer Rob Davis and loan processor Sara Kirk was a dream. They were both very responsive and made the mortgage process extremely easy for me. I am happy with my experience in working with them and recommend anyone looking for a mortgage to contact Rob directly. He ... READ MORE Bryon Peters Real estate compliance auditor
Rob was recommended to me by my real estate agent, and I am very satisfied with the result. He and his assistant Sara were helpful through the entire process by answering my questions quickly and keeping me updated on the status of the loan. I also felt that the rate and fees were ... READ MORE Anthony Sanchez Anthony Sanchez Buyer
Rob and his team made the loan process go so quickly! They’re really on top of it! Mikayla Sasso Mikayla Sasso
Rob did a good job again in my mortgage. His company did explains everything very well about the transactions. They all work together and they treat all the customer with respect. Again Thank you very much Rob for a wonderful job. Mark mallari Customer
Rob Davis and his team came as a recommendation from our realtor and I am so glad she recommended them! I was given great service from the beginning call until now months after the closing on our home. The process was fast and easy. I definitely recommend Rob Davis and his team to all ... READ MORE Angie Lavalais Angie Lavalais Counselor
I don’t know what to say other than he went beyond what I was expecting to find me the loan amount I needed for my first home. If you’re looking for a finance officer who will get you what your worth. Then I would highly recommend Mr. Rob Davis Michael Talbott Michael Talbott
Rob and his assistant Sara did a great job! Always availble, easy to talk to and FAST! Mary Swearingen District Manager
We happened to come across Rob Davis and a great team at Amerfirst by chance. Rob is very good at what he does. His team stopped at nothing to do the best job and get us a great deal. He and his team are very knowledgeable and resourceful and won't give up until they explore every ... READ MORE Peter sandoval Peter sandoval Logistics
Rob Davis and his amazing staff were phenomenal. While purchasing a home in Arizona while living in Hawaii, they made every step as simple and convenient as possible. The entire team including escrow- Title Alliance of Phoenix , realtor Leney Gonzaga- all worked exceptionally hard ... READ MORE Makana Clarke Makana Clarke Counselor, Psychology
I recently learned how terrifying and frustrating and exciting buying your first home can be. Rob and his team went out of their way to ensure my questions were answered and even helped me with the questions I did not know to ask. He truly cared about me as a person and in this crazy ... READ MORE Nicola Wizner TIer 2 Support Specialist
Rob and his team were great through out the entire process. Thank you once again for everything! Katie Hughlett Katie Hughlett
Rob and his team were very helpful throughout the process. The y went above and beyond to make my closing a success. They were able to work around all obstacles that they came across and kept me in the loop always. I will highly recommend the Rod Davies team for all you mortgage needs. Roseline Fonguacha Buyer
Mostly worked with Sara but very happy with this branch Don Nace Retired
Thank you to Ross Ferraro for recommending Rob and his amazing team to handle my loan in a quick and efficient manner. I was able to close within a month with the assistance of Sara Kirk who was able to explain all the details of the process from beginning to end. It was a great ... READ MORE Elizabeth Ogden Elizabeth Ogden Educator
Rob was a huge help in my last transaction and this most recent one. He made the whole process very easy from start to finish. I would definitely recommend working with Rob and his team. James Rose Client Manager

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