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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.


Scott was wonderful at finding us the best loan for our situation. He took the time to explain all the terms and ups and downs of each one and helped us decide what was best for us. Would absolutely recommend him! Brianna Mead
Scott and his team did a wonderful job streamlining the loan process. Scott was always available by phone/email to answer my questions. We worked through any issues and was able to close early ! Dennis Ray Combat Veteran
Scott helped me in purchasing my first home this year and he made the experience painless and easy to understand as a first time buyer. I did not know anything about the process when I first reached out to him and he was able to educate me in an easy to understand manner. Scott is very ... READ MORE Christine Scotto RN
Scott did a great job for us when we were buying our house. He kept us informed along the way and made the process painless. Thx Scott! Karen Tutera
Scott and his partner Jessica were great in getting our home refinanced. We own a manufactured home and they are usually a real pain to get anything done, financing wise. But the team delivered as they stated they would. Very few complications and what became a complication was taken ... READ MORE David Knierim
Scott is a very nice person. Scott is honest, very reliable and he is very concerned about his customers. I think he goes above and beyond his duties. I am very proud to recommend Scott to anyone." Luma Salamey Luma Salamey
Great experience with Scott. I was kept up to date on everything. I am really big on communication and Scott is too, he was available at all times of the day. Everything went smoothly and it was a pleasure to work with him. I felt very confident with all the information he provided to ... READ MORE Lisa Cash Software Developer
Scott went above and beyond to get us our first home. He made what we thought would be a long process easy. He was very direct and open with us all the way. We will definitely work with him again in the future. Aaron Yazzie Electrician
Scott has done a fantastic job for me twice now. When I first bought my house, Scott helped me through the process and made my life easy. When I decided to refinance, I did some shopping around and Scott was able to beat the rates of my bank and credit union. Not only were the rates ... READ MORE Bryan Magee Senior Engineer
Scott and his team are very knowledgeable and efficient when it comes to home mortgages and in our case a refinance. We knew exactly what we needed for documentation and there were no surprises usually found by other competitors. The team guides you along and before you known it you ... READ MORE Jeffrey Kester Registered Nurse
I want to thank Scott Fenner for such an amazing job as my clients lender! Scott took care of every detail, answered questions and all in a timely manner. We always received a weekly LSU updates without asking. Because of Scott and his team’s follow through our escrow close ... READ MORE Cindy Shaw Realtor
Scott Fenner earned my highest recommendation. I had been working with another lender when he was recommended to me. When I first spoke with him, I intended to stick with my current lender just to avoid starting over. But when I began to feel like just another number, I called Scott ... READ MORE Paula R homebuyer
Scott was awesome in our home buying process! Very quick and made us feel at ease! Mandy Zink
I've worked with Scott a few times in the last 5 years and he's always been helpful. Whether it's just financial questions or a full refinancing, he's always been there. Jeanne M
Scott Fenner is a wonderful, patient, and diligent Loan Officer. He is highly knowledgeable and answered all my questions/concerns precisely and immediately. Scott made my experience smooth and utterly positive. I greatly appreciate Scott and am very pleased with both him and his ... READ MORE Reina Gates Reina Gates Blackjack Dealer
Scott and his team did an amazing job at getting us approved and into a house we love. When other lenders said no, Scott made it happen. We are truly blessed to have the opportunity to be home owners. John and Donna Dory John and Donna Dory
We've had the pleasure of working with Scott on multiple deals. Not only is his industry knowledge valuable but he's so personable that you can't help but be at ease working him. We look forward to keeping him a part of our network and referring him to family, friends, and ... READ MORE Daria Baker
It was an absolute pleasure working with Scott during my process of buying a home. His professionalism is class act, A+ with his follow through and communication every step of the way. I highly recommend him to anyone who is in the market for a Senior Mortgage Loan Officer that you ... READ MORE Tammy Turner Senior Director of Learning & Development
We have used Scott twice. An original home purchase and recently a re-finance. His communication with us is always prompt and helpful. We felt confident in the direction that he gave us. We have other family members that have also used Scott's company. His office staff (Jessica) ... READ MORE Len & Vickie Tulipano Home Owners
To whom it may concern, I recently purchased a home through Scott Fenner and I am extremely greatful for the time and commitment he has placed to assist me in purchasing a home and making my home a reality and now I am the proud owner of a home, Scott also assisted family members and ... READ MORE George Vasquez warehouse., safety coordinator
Scott and Jessica did a great job helping me buy my new home. They were prompt and thorough in each step of the process. I would recommend them anyone seeking the help of highly qualified professionals in buying a home Dan DeGraffenried Customer
Scott was immensely resourceful and went out of his way to guide me through the details of buying my first home. He really helped to make the entire experience go smoothly and I would recommend him to anyone. Andrew Bueker Aerospace Engineer
Working with Scott is great and I will continue to use his services in the future. Scott and his team do their best to make the experience as easy as possible with your best interest in mind. He is very professional but also makes you feel like an old friend. I highly recommend Scott ... READ MORE Theresa Eustace Shift Supervisor
Scott Fenner did an amazing job! He was very knowledgeable and answered all of my questions. Was fast to makes sure I had everything I needed to purchase my new home and made sure I understood all the documents I was signing. Bridget Bachicha Buyer
The whole process of working with Scott and his staff was extremely easy. There was no hassle nor did we ever feel pressured about anything. Everything was laid out in an orderly fashion and understandable. He’s a great guy that knows what he is doing and we felt as ... READ MORE Greg Engel Exec Sales Rep
Scott was very informative and made the whole process easy to follow. Faust estrada
Everything went smooth and was kept up on things going on with my loan. Good job. Ron Brock CEO
Scott was spot on with his expert advice regarding my loan to purchase my first home! He always answered my questions in a timely fashion, making the transaction much less stressful than I originally had anticipated. I fully recommend his services. Claudia Canterbury
Scott is not your typical mortgage guy. He has truly become part of our family. When we called him and told him we have outgrown our home (that he helped us get into 4 years ago) and wanted to move, he was honest and told us what actions we needed to do and gave us a realistic ... READ MORE Michael Salazar
We had been preparing to get a home in Arizona for quite some time. I had been working with PFCU and felt assured it would be an easy process. I had been a member since 1973 and had a previous mortgage which I had paid off. But we found ourselves in a bind after putting an offer on a ... READ MORE robert rorex Home Buyer
I appreciate Scott for his patience, the competitive rate, and being very accessible through the process of acquiring a mortgage. Not many people in this industry answer the phone as late at night as he will! Ryan Hermens Senior Security Engineer
From the time I asked Scott about refinancing our house to the time we closed was very quick. Scott secured a low rate and we were finished within a month. Thanks Scott and Team! Craig and Diane Deming Craig Deming
Once again a painless process and transaction with Scott leading the way. Highly recommended to anyone! Jason Squardo Chief Operating Officer
Four words, gets the job done! Quality service from a Quality Guy. If you have a goal Scoot will find a way to reach that goal. Definitely A-ONE service!! Thomahl Baker Warehouse/Driver
Scott was awesome. Personable and available to go through any questions I had practically any time I had them. Would recommend to anyone looking to secure a mortgage in the future. Anonymous
Really happy with the help ,work of ScottFenner .I defently recommand him !! Idolinda romero Sales
Scott did an amazing job and made a very complex process seem easy. This is the third time that I have utilized Scott as a Mortgage Loan Officer and I would recommend him to anybody !! Andrew Evans Retired Aerospace Executive
I’m a first time gone buyer. Renting an apartment for the past 5 years and decided I was tired of having my rent go up every year. Mr. Fenner helped me out with the whole process for a home loan. He constantly kept me up to date about the status of my loan. He is a very ... READ MORE Darin Zink Darin Zink Navy Veteran
Scott and his team took care of all the details and my closong was right on schedule. I recommend Scott highly. Diane Lester
Scott was beyond amazing with helping us get our loan for our dream home! Scott was on top of it. Whenever I needed to reach him he was always there. I would recommend him to anyone!! Mindy Caccia Buyer
Scott Finter and you how to get things done! It was not a guy that you’d be having to wait for phone calls. He’d be hustling and getting things done. Anonymous Pest company owner
I highly recommend Scott Fenner. He and his staff maximize the ability to create an excellent mortgage for anyone! We are small business owners, and even with excellent credit scores, our business revenue fluctuates significantly month to month. Which eliminates any "conventional ... READ MORE Scott and Sandra President and CEO, Medical Company
I have never interacted with a more efficient, communicative, or responsive mortgage broker. Scott highly impressed me with the way he does business, and made this especially stressful time in my life far easier than I expected it could be. I highly recommend him and his team! Linnsey Amores Linnsey Amores Attorney
What can I say about Scott other than totally amazing. He pre-qualified me on a Sunday afternoon while I sat in the middle of an accident on the 10. Answered questions while he was in Hawaii. And did everything that he said he was going to do!!!! We first spoke on the 23rd ... READ MORE Kimberly Medelberg Kimberly Medelberg Travel Advisor
Scott was recommended to me and I could not have been happier. My mortgage was completed in about 4 weeks. The process is arduous but Scott and his team walked me right through it all with ease. What was relayed to me at the start of the process was exactly what I signed upon ... READ MORE Darcy Gibbons Commercial Estimator
I've dealt with Scott in the past when I purchased my first condo. He has been courteous and transparent throughout the entire process, and continued to be so when I sold my condo and bought my first single family home. Scott's energy and enthusiasm for ensuring that your ... READ MORE Beau Cowan Web Developer
I'm very lucky that my realtor referred me to Scott and his team, not only were they extremely helpful and responsive to requests and questions, Scott's reputation and being able to close on my house in only 20 days is the main reason I was able to win the house that had ... READ MORE John Sczruba Electrical Foreman
Scott did an outstanding job helping me with the process of purchasing my home. Scott was very thorough and even stopped by my house to pickup some paperwork. Thank you Scott! Alan Shank Regional Sales Manager
When my company’s lender (during a forced relocation) failed to get my loan done 9 days from my closing date, my realtor recommended Scott and his group. Not only did they get it done, but they did so with speed, courtesy, and the utmost availability and confidence. They answered ... READ MORE Michael Layton Buyer
I would like to take this time to let anyone know who is looking for a home loan to contact Scott Fenner at Amerifirst Financial. Scott and his team are very professional and will keep you updated on all matters and answer all of your questions within a very reasonable amount of time. ... READ MORE Rueben Sandoval High School Teaacher
Scott Fender and his team were amazing! They cared about my situation and were very professional about everything. They stayed in contact with me and got back to me right away with the whole process. I would definitely recommend going with Scott and his team. 😊 Nicole P. Distribution Operations Manager
Scott is the best. We've been working together on trying to find me a home for about 7 years. He's been understanding and accommodating through my divorce and other situations. We started and stopped multiple times but he was always optimistic. WE FINALLY DID IT!!! I'd ... READ MORE Allyna L Moton Allyna L Moton Casino Dealer
My wife and I contacted another company just to see what we needed to work on to get approved and after a month It was suggested we contact Scott. We contacted Scott and got him all the documents he required and in short order he had us pre-qualified even when we didnt think it was ... READ MORE Simon Berridge Service Manager
Scott Fenner and company Ameri First was a pleasure to work with. I've heard people say how buying a house is so stressful well let me say this was the least amount of stress I've ever dealt with. From start to finish Scott has reached out to me, kept me in the loop, answer ... READ MORE Kaionmi K Mccarty Kaionmi K Mccarty Workflow Coordinator
Scott Fenner applied his energy and confidence to get me a mortgage that would be manageable and provide me extra perks. His competitive spirit and knowledge led to a quick closing date. Great guy and a successful mortgage! Pamela McJilton
I have worked with Mr. Fenner on the purchase of 2 new homes over the last 5 years, and a refinance on another home. Mr. Fenner and his team have always been professional and responsive to my inquiries. They are very knowledgeable in their field, and have always answered my questions ... READ MORE J. Sawyers Home buyer (Multiple)
Scott Fenner and his team at Amerifirst Financial are a pleasure to work with. I highly recommend their services! Kelly O’Connell Sales
Scott and his team did a awesome job in helping us get our new home. We couldn't have gotten it without them. Thank you very much. John Street
Scott Fenner and Amerifirst were excellent at processing my loan. I was a first time home buyer and Scott, and his team, were beyond knowledgeable. They assisted all questions I had and completed my loan before the close of escrow. I highly recommend Mr. Fenner for any homebuyer! Sean Pfendler Assistant MaNager
I was very happy with Scott and his staff, the loan process went very smoothly, there were no surprises during the process or at Loan signing. Scott was professional, up front, knowledgeable and timely during my loan process. I couldn't be happier. Thank you Scott and team. Kate Kate Sr. Sales Executive
He is the greatest lender I have worked so far. Not only he gave and suggestes the best options, he worked with me till closing on every single steps. There are many lenders I came across who suggested strange options, shortcuts etc but this guys just laid out a plan and timeline and ... READ MORE Anirban Bhattacharya
I was very happy with Scott. Whenever I had a concern or question during the process, he always responded immediately via email or phone call. He was able to get me a better interest rate than anyone else. He worked closely with my realtor to stay on top of things, and because of that ... READ MORE Cristina Hedlund Cristina Hedlund
Scott and his team provided outstanding service throughout the process. They were there every step of the way helping to have a seamless closing. I highly recommend Scott Fenner! Anonymous
Scott was prompt, professional, and courteous. I wanted to re-fiance a few properties across different states. Scott was patient and thorough answering all of my questions. He kept the ball rolling and the process was completed in the time frame promised. There were absolutely no ... READ MORE Jack Jiang Investor
Big thank you to Scott and his team. From qualifying to closing, his team showed relentless dedication and professionalism. My wife and I cannot ask for a better service. We definitely recommend Scott and his team to anyone who is in the market of buying a property. Great job guys, ... READ MORE Ray Varela Lab Technician
Scott was extremely helpful in working with us to put together a loan so that we could buy a condo in Phoenix. Since we were trying to complete the process in Arizona when we live in Indiana added several several wrinkles to getting all the information on hand and approved. Thanks ... READ MORE John B. Edmondson Retired
Big thank you to Scott and his team. From qualifying to closing, his team showed relentless dedication and professionalism. My wife and I cannot ask for a better service. We definitely recommend Scott and his team to anyone who is in the market of buying a property. Great job guys, ... READ MORE Ray and Riza Varela Semicondutor Associate
Big thank you to Scott and his team. From qualifying to closing, his team showed dedication and tremendous professionalism. My wife and I cannot ask for a better service. I highly recommend them to anyone who is in the market of buying a house. Outstanding work Team Fenner! Thank you. Ray and Riza Varela Ray and Riza Varela Semicondutor Associate
Scott was amazing during the whole process, which started about 3 years ago. He understood our issues with credit and told us what to do and how to do it. We got our credit repaired and got the loan. We could not have done it without his help every step of the way. We worked a few ... READ MORE Bobby Hutter Bobby Hutter
Scott and his team absolutely "hit it out of the park" for us.. We approached Scott with a standard financing need but we had an EXTREMELY short time frame.....well below the norm. Scott was able to put our financing together with very little time. We can't imagine ... READ MORE Brian Marin Client
Scott worked tirelessly to get us our dream home. He is professional, reliable, hardworking and extremely positive. I would recommend him in a heartbeat and plan to use his services for future endeavors. Lindsay Underwood Lindsay Underwood Office Manager
Scott did a great job through the whole buying process. I will use him again in the future. Dustin Whittenburg
Awsome job. Very pleased with how smooth everything came together Sheldon Watson Concrete worker
Easy to work with. Fast and promptly responses! Will definitely work continuously with all my loan needs. Freddy Romero Self employed
Scott is the best in the industry. Very personable and trustworthy. He made my first time home buying experience very exciting and easy. He answered every single question of mine - and yes I had a lot of questions. I would recommend Scott to anyone. Courtney Arend Courtney Arend Tax Staff Accountant
Thank you so much, Scott! Despite all the paper work you made this purchase a great experience. We really appreciate all of your hard work and all the help with the time crunch we were in. Our realtor loved working with you as well. A great experience! We will recommend you to everyone ... READ MORE Darlene Jackson Sales
i had dreaded the refinance process, but Scott and him team made the entire process smooth and seamless. He kept us informed every step of the way and was professional and courteous. It was a pleasant experience. Cheri Payne Vice President - Assistant Complex Manager
Scott was absolutely wonderful and helping us purchase our home. We had Realtors who worked overtime, and no matter the time of day Scott would contact them right away and answer their questions. He took the time to come down to the title company when we were signing papers on our ... READ MORE Donna Zimmerman Legal Support Supervisor
It is such an honor to speak to the excellent service and ease while working with Scott Fenner. Buying a home can be stressful and even scary but Scott walked alongside the process every step of the way! I am so grateful to have found such a gem of integrity and expertise all mixed ... READ MORE Tamra Rohde Tamra Rohde
Scott did an amazing job with our refinancing. He made everything so easy. I would highly recommend him. Gerald Makidon Clinical Research Coordinator
Scott and his team made our home buying experience informed, seamless and exciting. When they say the work as fast as you do, they mean it. As a first time home buyer, this endeavor was daunting to say the least. By the end my wife and I look back on it and remind each other of all ... READ MORE David Baird and Lorena Smart
Scott did a fantastic job helping us with a challenging home financing situation. My wife and I were buyers from out-of-state and the home we purchased was our dream but a real fixer-upper. Due to inspection and appraisal issues, a lot of lenders would have punted after the third or ... READ MORE Mark McNally
Thank you Scott & Jessica - my refinance took less than 30 days (from initial phone call to doc signing) - totally awesome!! I work in the industry (for one of the Big 3 Banks) and I know that my company could never accomplish this ~ also, thank you for saving me over ... READ MORE Susan Loftus Mortgage Loan Processor
Scott Fenner and his team are consumate, competant professionals. From the beginning of the loan process, mr. Fenner and his team made themselves accessible, displaying their full range of knowledge in the mortgage lending business. There is no doubt going forward, Mr. Fenner and team ... READ MORE Jean Raymond Thomas Munitions Production Section Chief
Scott was awesome from the start. He answered all of my questions (I had a lot!) We closed in less than 25 days and I got into the perfect home. Bravo Scott!! Wendy Hill Elementary School Teacher
Scott did a great job helping me on my home purchase. Always there when when I had questions. Anonymous
Scott was a pleasure to work with. He was honest and upfront with every step of the process. He worked hard for is and with us to pirchase oir dream home. Most bank wouldn't work withbis because of our owning a business. Scott took the time to go through everything sonthat we ... READ MORE Brandon & Jessica Lofquist
Scott and his team were excellent!! I've used him before so I didn't even shop around. Just sent him a text and he got the ball rolling. Quick and easy. Thanks!! Rhonda Bell
First time homebuyer. Scott kept me informed with the process and was quick to respond with any questions or concerns I had. Highly recommended, thanks Scott! Edward Quiroz
I have used Scott Fenner's services for the past several years. He has been very professional and always willing to help and assist in anyway possible. There have been a couple of times when I called after hours and Scott was willing to answer my questions and concerns. I would ... READ MORE Danny Galassi VP of Finance
My wife and I had recently retired from the Army and with our 3 daughter had moved to AZ. We began working with Scott through our realtor Tom Speaks around August of 2016. Scott was outstanding at explaining what was needed, how things worked and each step we were on. After about 2 ... READ MORE Anthony Romeo 1SG (R) US Army
Scott is a very polite, fast and accurate lender. Our loan needed to close before a certain date and he made it happen. I would definitely recommend Scott to friends and we will use him in the future should the need arise. Judy and Gary Wallerich
Scott and his team were great to work with. They helped us through every question and concern along the way with professionalism and in a timely manner! Thank you! Erin Albert Director of Marketing Services
Scott and his team including did a great job funding my loan. I was able to get a hold of any of them when needed. Responses by email always happened same day. They were polite and helpful through out the entire process and Scott even drove all the way acrossed down to be at the sign ... READ MORE Joshua shaffer Welder
I can't tell you enough how wonderful Scott and his team are. The entire process went as smooth as could be. Throughout the entire buying process, both Scott and Jessica made sure that they were on top of everything that I needed and followed it all the way through underwriting so ... READ MORE Dennis Butner Senior financial Advisor
I'm so pleased that I was recommended to Scott. He presented many options in financing my new home, gave me excellent advice, and was quick to respond to my email and phone calls. He and his team made the process painless. Thank you Scott! Deborah Davis
Scott was very instrumental in the administration of my home loan application. He is very knowledgeable in all aspects of the loan process and his communication with me each step of the way from beginning to end was unsurpassed. Along with the information gathering of his assistant ... READ MORE John J. O'Leary USPS Letter Carrier
Not only did Scott present me with great options to choose from when looking to finance my new home, he did everything possible to expedite the closing. He was responsive, always available and very aware that the home buying process can be overwhelming, so he ensured I understood ... READ MORE James J Foley Manager, IT
Scott saved my house by thinking outside of the box when my other mortgage company was failing to do their job. I would trust him to handle any future loans I may need to obtain. Vicky Shay
Scott did AMAZING job helping me get the loan! He was very professional, and kind. He explained the process from beginning to end and was always made himself available if I had any questions. He helped me bring my credit score up very fast. I will highly recommend him, he definitely ... READ MORE Ruby C

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