ABOUT SCOTT HARVEY FENNER
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.
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.
Estimate your Monthly Payments
- Principal & Interest $949
- Property Tax $250
- Homeowners Insurance $58
- Mortgage Insurance $84
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.
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 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 MOREBlackjack 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.
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
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 MORESenior 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 MOREHome 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 MOREwarehouse., 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 homeCustomer
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.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 MOREShift 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.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 MOREExec Sales Rep
Scott was very informative and made the whole process easy to follow.
Everything went smooth and was kept up on things going on with my loan. Good job.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.
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
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 MOREHome 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!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
Once again a painless process and transaction with Scott leading the way. Highly recommended to anyone!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!!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.
Really happy with the help ,work of ScottFenner .I defently recommand him !!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 !!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 MORENavy Veteran
Scott and his team took care of all the details and my closong was right on schedule. I recommend Scott highly.
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!!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.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 MOREPresident 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!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 MORETravel 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 MORECommercial 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 MOREWeb 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 MOREElectrical 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!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 MOREBuyer
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 MOREHigh 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. 😊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 MORECasino 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 MOREService 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 MOREWorkflow 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!
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 MOREHome buyer (Multiple)
Scott Fenner and his team at Amerifirst Financial are a pleasure to work with. I highly recommend their services!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.
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!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. KateSr. 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
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 MORECristina 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!
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 MOREInvestor
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 MORELab 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 MORERetired
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 MORESemicondutor 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.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 MOREBobby 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 MOREClient
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.Office Manager
Scott did a great job through the whole buying process. I will use him again in the future.
Awsome job. Very pleased with how smooth everything came togetherConcrete worker
Easy to work with. Fast and promptly responses! Will definitely work continuously with all my loan needs.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.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 MORESales
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.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 MORELegal 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 MORETamra Rohde
Scott did an amazing job with our refinancing. He made everything so easy. I would highly recommend him.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
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
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 MOREMortgage 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 MOREMunitions 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!!Elementary School Teacher
Scott did a great job helping me on my home purchase. Always there when when I had questions.
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
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!!
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!
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 MOREVP 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 MORE1SG (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.
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!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 MOREWelder
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 MORESenior 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!
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 MOREUSPS 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 MOREManager, 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.
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
Scott always comes through, even on the tough ones! He's always on schedule or way ahead ! Thanks Scott, for all that you do!!
Scott was amazing. He broke down all of the processes that i had to go through and laid out everything that i had to do.Developer
Scott is great to work with. He is very knowledgeable and can help you figure out what is the best approach for you. He is hard working. We had a special situation and Scott went above and beyond to make our loan work. I have recommended Scott to all my friends.Drone Test Pilot
He was excellent. A great help through the whole process.
He was excellent. A great help through the whole process.
I had a fairly complicated refinance. I own an investment property that made things difficult but Scott put his time into getting things accomplished. My home is also under partial construction and when the appraisal came back the finance almost fell through and Scott even offered to ... READ MOREContractor
I would like to congratulate Scott and his team for making our dream home come true. They were very punctual ,professional,friendly, and reasonable. If you ever need things to happen during tough times they will get it done. Thank you Scott and Team.Aircraft Technician
This was my fourth time using Scott for either a new home purchase or refinance on an existing property. As always, Scott is professional, courteous, diligent and accomodating. He makes the entire process seem effortless and more importantly both smooth and painless for the ... READ MOREFirefighter
My wife and I recently refinanced our home to take advantage of a lower interest rate. This was the second time we utilized Scott's services to lead us thru this type of transaction and as the first time he was at the helm all the way taking care of any "bumps" that ... READ MORE
Scott Fenner helped us through the entire process of purchasing our new home. Scott went out of his way to insure everything we needed was taken care of. Scott helped minimize the stress of purchasing a new home and he was always available when we needed him. We are truly thankful for ... READ MORE
Scott was quick, professional, and considerate of all of our needs throughout the transaction. GREAT SERVICE!!Director, FDS
It was a pleasure working with Scott. He made the whole process painless. He is very personable and knowledgable which helped us feel assured. Scott and his team kept us informed every step of the way. We highly recommend him!Analog Engineer
It was a pleasure to work with Scott. This was a first time home owner experience for me and a new build as well. Scott made the process more simple than I had expected it would be. I would definitely consider Scott again the next time I will refinance.Quality Engineering Technician
Scott and his team did an amazing job when it came to the mortgage on my home. I was updated very often knew exactly where my loan process was and it was all done in a very professional manner. I would highly recommend Scott and his team and definitely will come back if I ever need ... READ MOREAdmin Assistant