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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.

See what people are saying about us

I am not an easy person to please and can be demanding. Rarely do I ever leave a review but Sharon earned my respect over the last 45 days. Sharon was amazing in so many ways. She always answers her phone, completes requests in a timely manner, always professional and and follows ... READ MORE Brian Burr Owner of B & D Trust
She did a fantastic job from start to finish. She is very capable and efficient as well as friendly and easy to work with. Job well done!!! Harvey rose
Sharon did a great job for me and my family. She gave me my loan options with different down payment and monthly mortgage amounts. At first I couldn't find anything in my price range and Sharon was able to increase my loan amount, which helped me find the perfect home. She was ... READ MORE Reuben Garcia Carrillo Reuben Garcia Carrillo Realtor
Wow!! Sharon really did a great job, she went beyond her duties . Our escrow had to close asap and she made it happen!! Would recommend her to any homeowner Marcy Smith
After four months of being declined for loans, my son suggested to contact Sharon Ellenz as my personal broker for placing a conventional mortgage refinance on my home. He added that she was an incredible lending broker and was very knowledgeable with all types of property ... READ MORE Kenneth Coffey
Well Sharon help me with the Purchase of my first Home and she was amazing then because I thought I would never be a Homeowner. Sharon explain ever step of the process of buying my first Home so i could understand it and gave updates during the loan process every Tuesday. So when the ... READ MORE MICHAEL DWAYNE HENDRIX MICHAEL DWAYNE HENDRIX FIREFIGHTER
Sharon was super helpful with the purchase of our first home. She had an answer for every question and was very responsive. She would always answer our calls or emails quickly and made us feel very comfortable through the entire process. Zachary Bainter
We secured a mortgage for a second home in California. Our primary residence is in the Midwest. Sharon was our loan officer beginning with the necessary pre approval letter. Due to COVID-19, the entire process was conducted remotely. Sharon was professional yet easy to work with ... READ MORE Margaret Gast Retired snowbird
Sharon did a great job getting us finanacing for our home! She was always available and answered all our questions in a very timely manner. I would highly recommend her for your home financing needs! Travis Roberts Director of Manufacturing
Sharon and her team did an amazing job with closing my home loan. She was always available to answer my questions and concerns at any time. I sincerely appreciate her professionalism and patience throughout the whole process. I would definitely recommend Sharon and AmeriFirst if you ... READ MORE Stephen Olson Home Buyer
This is our first condo that we buy, and the service that Sharon gave us is just what we needed. Will highly recommend her and will go back to her when time comes. Johann. Johann Stefansson Personal trainer
Sharon is experienced and knowledgeable. She does weekly follow ups that my clients really appreciate, as well as keeping the Listing side informed. She is efficient and very pleasant to work with. I recommend her one hundred percent! Jo Dawn Flanagan Real Estate Agent
Timely updates. Clear communication. We had a difficult loan and it ended up funding within the estimated timeframe. Sharon was great and was always available to answer my questions. Follow up was timely. Amy Young
Sharon knows what she is doing and does an excellent job! I would highly recommend her. Jerry Ellenz General Contractor
Sharon helped to make my closing a breeze. She worked hard to get everything done in a timely manner and was very pleasant to work with. I highly recommend Sharon to assist with your closing. Trish Webb
Sharon is the best. This is our 5th deal we’ve done together. Wouldn’t go to anyone else. Period. David Mattice Retired
Sharon was a pleasure to work with. She works hard to achieve the clients goals. She is organized,efficient and follows through with any questions or concerns. Vilma & Warren Wilkie Homeowner
I highly recommend Sharon and her team. I am a repeat customer! An investment purchase in 2017 involved some complex HOA issues. Sharon and her team saved the deal at the 11th hour and found some lending alternatives so I could make the purchase. WITHOUT SHARON’S ... READ MORE Martin satisfied return customer
Sharon was so competent, efficient and helpful. Was there for us at every need. Answered our calls immediately. Took the pressure off of us. Made our transaction so much smoother. Thank you for everything. Serge & Suzanne Gagnon Serge Gagnon Home. Buyer
Sharon made my first home buyer experience amazing! She did such a good job of making sure that I understood everything that was going on the entire process. Sharon is very personable and caring, providing update calls weekly. I never felt like I was bugging Sharon with a phone call or ... READ MORE Traci Quinn Teacher
She is a excellent loan officer thanks Sharon Maria Halos Maria Halos
Sharon was great at navigating us through our refinance process during an unprecedented pandemic. Though there were a few adjustments needed, we always felt at ease during the process. I would wholeheartedly recommend Sharon for any mortgage financing needs. David Westphal Retail Manager
Thanks to Sharon our refi was pain free and progressed smoothly. Sharon walked us through all the necessary steps and kept us updated every few days on the Progress. She was a Delight to work with. And, yes we share the same last name! I am happy to call her my niece Carlene ellenz
Sharon was very up front and gave us lots of information so we would know what to expect. She was in contact with me weekly and had no surprises. All forms were sent out quickly and clearly explained. Rates and terms were great and exactly as promised. If I were to do a commercial ... READ MORE Pete Johnson Teacher
I was actually due to close with another Company the day before I reached out to Sharon. From the moment I spoke to Sharon I could tell I was not going to get any run around. Sharon immediately told me she could beat the competitors pricing and rates. From the second she sent me the ... READ MORE Thomas Wardrup
Sharon Ellenz did a wonderful job closing our loan! She was professional and efficient. Sharon got us a great rate. This is the third home loan we have gotten with her and would recommend her every time. Shannon Smith
Sharon is an outstanding employee. She worked with me on getting a great rate. She is very knowledgeable and provides outstanding customer service. She offered great solutions to problems, and was diligent. Her professionalism is beyond par, always on point and quick to respond to ... READ MORE Radmila Bogdanich
Sharon and her team were professional, polite and most important to me patient. The entire process was conveniently done through mobile phone through email and phone calls/texts. She responded to all calls and emails in a timely manner. When certain tasks were to be performed through ... READ MORE Frank Jaramilloj Frank Jaramilloj Grounds Keeper
Two re-fi's at the same time? Self employment income? Multiple sources of income? Foreign owned property? Not only did Sharon Ellenz deal with and get me through these issues and more......she got me the best rate of MULTIPLE competitive a word, Sharon Ellenz is the ... READ MORE michael angeloff

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