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State License: AZ #911441

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.

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

Scott was wonderful! He made the refinancing of our home as seamless as possible! I would recommend him to my family and friends for their home financing needs for sure! Ancilla Luna
I find out that I need a new air conditioner but where do I find that kind of money. I remember Scott Fenner and called him. He started my mortgage application right away. From start to finish Scott was there anytime for anything his customer service was excellent, above and beyond. ... READ MORE Julie Marie Slife
I had just find out that I needed a new air conditioner. Where do I find the money. I remember Scott Fenner and called him for help. He got my mortgage paperwork going right away some of which need actual signatures but he came over himself and got those signed. The appraiser came ... READ MORE Julie Marie Slife
Scott is very a very knowledgeable and ethical loan agent. He got the job done and we are happy with the result. BN
I have known & worked with Scott Fenner for over 25 years. I have lived in the same house for 23 years & have only worked with Scott when refinancing my house. He makes everything so easy, always quick to answer my questions & gets it done fast! He is such an expert in his ... READ MORE Stacy Murillo
This is the second time I was able to work with Scott. Both times he was patient and kind. Very easy to work with and has a great sense of humor. He was able to work through some difficult obstacles and got us a great loan. I would highly recommend him and would definitely work with ... READ MORE Marion Jamison Icu nurse
Scott has been our “go-to-guy” when it comes to financing needs and questions. He helped us get in our current home when we first landed in Arizona 10 years ago, and couple years later he reached out to us to get us in even lower rate mortgage. 8 years later, we ... READ MORE Cesar Quihui
Scott is very professional and has answered all of our questions in a timely and professional manner. We have been clients of Scott for 5 years. Len Tulipano Vickie Bernardi Len Tulipano
Scott was extremely helpful! As a first time home buyer, I felt completely lost and overwhelmed by many of the mortgage steps. Then I found Scott, he was able to quickly answer my questions, and help us find the BEST options for our mortgage. He was available to answer all of my ... READ MORE Jesse Bradbury Jesse Bradbury
Being self employed can make qualifying for a home loan tough! Scott and his team did a fantastic job leading us through the process. I would recommend them to anyone looking for a home loan or refinance! Michael Fox Owner , Desert Fox pool and spa services
Scott made the entire process of refinancing my home so easy and in the middle of a pandemic! That says alot! Louie Piazza
Scott Fenner with AmeriFirst is an amazing loan officer who we would refer with confidence to anyone who looking to refinance our secure a mortgage. Scott went above and beyond in guiding us through the entire loan process We found him to be not only knowledgeable, thorough and ... READ MORE Cipriano & Tracy Cardenas Project Supervisor
Scott did an excellent job for us. He communicated in laymen’s terms what he needed. Everything went very smoothly and it was a pleasure working with him Judith Wallerich
I really feel fortunate to have had Scott handle my mortgage loan. He is very personable and easy to work with, but most importantly, he knows what he's doing. I have circumstances that made getting the loan challenging, but Scott went to bat for me and made it happen. All my other ... READ MORE Philip Cushman
We used Scott to refinance our home loan and he did a spectacular job! I refer him to my own clients because he is efficient and gets you the best possible rates. I tried him out because I wanted to make sure I am referring an awesome lender, and I was very happy to find that he did ... READ MORE Jennifer Finken Realtor
Need a refinance? Rates were low, sent a message to Scott Fenner - only to find out we would get a great interest rate and of course great service! This is our second refi with Scott, I recommend Scott for anything related to house, he is knowledgeable in his refi expertise as well has ... READ MORE Lisa Bultman Client
If you're ready to buy a home or refinance, Scott's your guy. He made our first time home buying experience a breeze! Don't delay, he's got you covered! Brandon Carlascio
Our real estate agent referred us to Scott. Good communication was immediately established and he made us feel at ease. Our interaction was always professional and efficient. Through Scott’s guidance, we were able to close on time despite a Federal Reserve glitch. We highly recommend him! Karen Cooper
We were scared as first time homebuyers ,but having Scott there with us at every turn and helping us understanding the loan process made us feel comfortable. Not only did he help us with a loan but treated us like family and was even with us when we signed on the line. Highly recommend Scott. Jesse arriaga
Scott was referred to us by our realtor for our interstate move. From the first phone conversation to the end, we found that he is very personable, responsive, and informative. Scott helped us navigate through all steps of the loan process with ease and made this stressful time easier. ... READ MORE Matt &Terri Engler
Scott helped us all through out the buying process. He was always available if there’s any question. He’s approachable and easy to reach out. I will definitely recommend him to my friends and colleagues. Mylene Gamutin
It was a pleasure working with Scott to refinance our mortgage. Scott offered us the best rate right from the start and provided specific details about the related fees. Scott was also readily available to answer any questions we had during the processing of our loan application. At ... READ MORE Bob Bullington
I would recommend Scott to anyone for a refinance. He was recommended to me by a friend. It was a very smooth process and timely. Scott and his team were very professional with great communication. Thank you for everything Scott! Robert Sluder Management
scott diid a fabulous job in helping us refinance our home. He provided us with the information and assistance we needed to complete the forms required to obtain a reduced rate on our mortgage. thanks Scott ed hylton
Scott Fenner was wonderful to work with on the refinance of my house. He was able to secure a great rate for me which will save me a lot of money each month. Not only was he knowledgeable and professional, but he was also very patient with me and promptly answered all my questions and ... READ MORE Michele A.
Scott was very easy to work with and was quick to address all the questions and processes necessary to complete the Refi. Result was the refi was completed VERY quickly and ahead of expectations. Thank you Scott! James S Boyd retired
Scott was incredibly easy to work with and communicated with me every step of the way. He made sure my deal closed on time and I’d recommend him to anyone. Richard Franco
When you need a mortgage broker Scott will work to see your needs are met in a timely manner. I have no hesitation in recommending him. Michael Paul Toland
Scott has been so fantastic! He helped answer every question we had through the entire process. Every question we had was answered promptly and accurately. I highly recommend using for your mortgage needs! sandra gmelch
Scott did exactly what he said he was going to do! Professional & dedicated. I especially appreciate his communication & patience with this first time home-buyer. Thanks Scott! Bethany G Bethany G
Scott was great! He made the whole process very smooth and seamless. We were unfamiliar with the whole process and he made us feel comfortable the whole time. Hunter Jones
Professional yet approachable. I appreciate Scott guiding me thru the mortgage process and his coordination with my escrow agent and realtor. The process felt smooth and efficient. Thank you Scott. Jan Rolfe
Excellent communication and made the process smooth. Chris Staley
Scott did everything that I wanted from him and made the process of doing a cash out refinance incredibly easy. He simply would ask for certain documents and he handled all the rest. I just needed to sign and it was all done. From the day I called him we were done within 30 days. I ... READ MORE Jared Lizano
Scott really nailed it, he did a 30 day close on our home and really made the process really simplified. He was very informative and didn’t mind me picking his brain after my last home purchase went sideways! Thank you for everything Scott Zach Herder Senior insurance specialist
I can highly recommend asking Scott Fenner to handle your mortgage needs. He responds quickly to questions and most important delivers on getting the loan through to close of escrow on time! Carla Morton
From the moment I spoke to Scott, I could sense he’s been doing this for some time. 28+ years. His experience and knowledge was outstanding. He prequalified us in looking at other properties and when we settled on one to buy, we used him to qualify and close our loan. The ... READ MORE Ron Taniguchi
Super fast!! Best rates and terms! Crushed Chase Bank in every way! 10/10 Adrian Patrick
Scott did an excellent job for us. We have already and will continue to refer friends and family. Josie
Scott did an awesome job of helping me get my loan. He went above and beyond what any other broker has ever done to help out. The whole process was so much smoother than expected. I highly recommend Scott Fenner! ⭐️⭐️⭐️⭐️⭐️ Kristen Willis
Thank you for your professional service. We had a few obstacles to overcome, but with your patience and perseverance, it all worked out. We are extremely pleased and recommend you highly! Thank You Troy and Cindy. Troy Lowe Field Supervisor
I would highly recommend Scott for your mortgage needs. This has been our 5th loan Scott and his team has done for us, each one has been smooth and easy with the lowest rates around. Use Scott with confidence you will be happy. Thank You Scott Kevin Pappas
Scott did a great job considering how busy the market has been. Thanks G Lopez Client
From day 1 to the day we closed, Scott made our mortgage loan application quick and painless. As first time home buyers, it was very reassuring to have someone like Scott Guide us through the process. Will certainly be recommending Scott to friends and family in the future. Ryan Kazanowski Project Manager
As a first-time home buyer, I was really nervous about the process. Scott walked me through everything and was available anytime I had a question. His experience helped him gain resources that helped me. I would definitely recommend him for any buyer. Amanda Scott Registered Nurse
Scott went above and beyond my expectations. He explained everything to me and always delivered as promised. Definitely made the transaction less stressful. omar karkoutli Restaurant owner
Scott did one hell've a job! We had a very unusual situation, and Scott was able to get the loan setup. Because of his superior knowledge and years of experience he was able get our loan through in 30 days, which I thought wasn't possible. Again, he did a great job and I ... READ MORE James R Smith retired real estate invertor
Scott is very good and does a great job explaining the matters in hand,, Very good speaker and communication,, I would suggest him to anyone for his professional skills. Stephen Shepelak Retired and Disable Make Executive decisions on Money market and Pain Management
Scott did a great job on my refinancing, it came out exactly as what he quoted me. ryan Pham N/A
Scott has always done a great job for me when I have refinanced. Always getting the lowest rates and doing it with the least amount of stress. He is great to work with as well as the company he represents. I would and do recommend him anytime I meet someone who wants to refinance. Linda Collie
Scott provided me with a flawless and very professional experience. Scott helped me with the purchase of a house 5 years ago, and did a great job then. He was the only choice, then, for the new house. Scott provided timely and very personal service tailored to my unique needs, and ... READ MORE Stephen Schack Pastor
Scott and the AmeriFirst Team are timely, honest, caring and dependable. This is the second time that we have partnered with Scott on our home buying and refinancing needs. With many options today in choosing a mortgage company, we continue to find Scott and his Team leading the way in ... READ MORE Michael R Home Owner
I have worked with Scott on a couple of occasions to buy a house and to later refinance it. In both cases, Scott was extremely helpful with any questions I had and provided timely and professional follow up on the progress of my loan. I was so pleased with the service Scott provided ... READ MORE Ron Gibbons Ron Gibbons Vice President
My husband, Jeff Lewis and I enjoyed working with Scott. He was always available, very knowledgeable, and never rushed us. Everything was done just the way he explained it to us. We highly recommend Scott's services. Angela Lewis
Scott is a total Rock Star. Friendly ,courteous, and was on top of my loan process every step of the way. Less than 6 weeks after i decided what house i wanted i was in and had my keys. mike welch retired U.S Army
Scott Fenner at AmeriFirst Lending was very professional and knowledgeable. He worked quickly to get my loan approved. He also helped me to decide the type of loan that best fit my needs. I will definitely use his services again and will recommend him to everyone I know! Thank you Scott! Melinda Tovo
Scott Fenner is good people! He was very helpful and answered all of my questions in a timely manner. Scott and his team with American Title are very professional and assertive. I highly recommended their services. Please do not hesitate to contact them for your home buying needs! Eric Rodriguez Plant Operator
I would highly recommend Scott Fener because he is very professional, reliable and he gets the job done fast. Thanks to him we have our beautiful home! No matter what time or day it was he always took our calls or responded back in a quickly matter. Raul Castillo Raul Castillo Technician Assistant
On point! Mr. Fenner is well versed in his trade, and is no non-sense. My situation posed many challenges throughout the process, Scott battled on my behalf and he got things done. Not only did he handle the business side of it, Scott was patient through a process that was very ... READ MORE Dawn Slauter Dawn Slauter Water Doctor
The customer service I received from Scott and Jessica was top notch. They had a very quick turnaround on any question I had and were detailed in explaining the process and numbers. Even though I was not able to meet with them in person due to the current situation, I never felt like ... READ MORE Marco Grijalva Sales Operations Analyst
Scott is a real pro. The entire refinance process was smooth and efficient. I really appreciated how generous Scott was with his time. He answered all my questions and was helpful in decision making. Scott got me into a new loan at a great rate and lower monthly payment. I couldn’t be happier. Joel Haller Joel Haller Creative Director
It was a very easy and quick process. Scott and his company were very professional and personable to work with. Gerald Streit Home Owner
Scott did an incredible job of always keeping us informed on all of our options. Even when the market began to change due to Covid19 showing up he was able to find all of the best options for us. It was so easy to work with him and he was always available to answer our questions when ... READ MORE Andrew Chepil Information Technologies
Very efficient and quick service. He Jessica did a great job and I would highly recommend him and his team! Bonnie Simpson Legal Assistant
Scott and his team are a class act! The customer service, market knowledge, rate knowledge is unmatchable in this industry. They take their time and the attention to details and requests is especially important to them because that saves time for the customer. Their ... READ MORE Nikki Calhoun Nikki Calhoun Account Manager
This is my second time using Scott. He did a such a great time the first time, so I decided to go to him when I needed to refinance again. And again he did an awesome professional job. I would recommend him to anybody that needs a mortgage or refinance. Lori Eckhardt
Scott was great, he helped my family and I every step of the way in buying a new house. He answered every question we had and made the whole process less stressful. Thank you Scott, we really appreciate all your help. Anonymous
I had the pleasure of doing business with Scott. He is a man of honor. I have the utmost respect for him and will refer him to my friends, co-workers and family for their home financing needs. Sincerely, David D. Coda David Coda Parts Director
As first time home buyers we knew very little going into the process. What we anticipated being quite a daunting and potentially stressful process turned out to be anything but with Scott. Scott was fantastic. He went above and beyond to explain every step of the process, was quick ... READ MORE Tom and Sara Hurdle Nurse
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

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