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State License: AZ #914048

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

Brian and his team were always on top of everything and very accommodating. Highly recommend!!! Kate Pell
My wife and I were really pleased with how fast and efficiently Brian and the staff at Amerifirst handled our home loan. I highly recommend Brian Gallegos and Amerifirst Ron Sexton
Brian is the BEST! He is most importantly informative as to what it is you're doing. Working with him lets you feel that he will always look out for your best interest. This is my second experience with him and I would never go anywhere else. His values and integrity are above reproach! Tiffany Pyle'
There is not enough awesome things to say about Brian. He is very knowledgeable and guides you along every step. We’ve used Brian 3 times now and will always use him. We don’t make his job easy and have definitely challenged him but he has solutions for everything you could ... READ MORE Chad Lamb
Always on top of things and prompt communication. Saved us a significant amount of money each month. Darrell Martin
As a first-time home buyer, Brian helped me a ton along the journey. Very reliable and helpful. Thanks for all the help, Brian! Bill Nguyen
Brian was great to work with. He gave my case the attention it needed. He was always available to call when I had questions and concerns. tara mahmood
Brian goes above and beyond to see that your loan will close as represented. I highly recommend Brian to deal with your home financing issues. Thanks Brian. Gervais Brand homeowner
Brian was very helpful and was always there no matter the time or day. He made buying our first home so easy. Cristian Navarro
Easy to work with. Kenneth D Parker
This was my first home loan process, Brian was very helpful on answering any question and requesting information that was needed right away to move on forward with the loan in a timely matter . Very Informative through your the process . Will definitely look forward to future services with Brian . Mayra Bugarin
This was my first home loan process, Brian was very helpful on answering any question and requesting information that was needed right away to move on forward with the loan in a timely matter . Very Informative through your the process . Will definitely look forward to future services with Brian . Mayra Bugarin
Brian has worked with me for years, helping me raise my credit score and keeping me posted on the value of our home. I had a lot of offers to refinance my house but I didn’t even consider them, as Brian is my go to guy. He laid out the time line and delivered on time, as ... READ MORE Gregg Breed Gregg Breed Treasurer and Board Member, Little Feet and Friends
Brian very nice guy to deal with and you can find him all the time . Very quick responses with knowledge he will take care of you with too many options. Thanks Khalid Alkhafaji
Brian did an excellent job on our refinance loan Anonymous
Brian gave me great service on my Refi. He went out of his way to make it a very easy and understandable process. He has my heartfelt thanks! Sheryl Thompson
He help me save money. Randy Giles
Brian was the best. Very responsive to my calls and texts anytime I had a question. I work odd hours and was flexible and accommodating. Great experience will be a return customer will recommend to my friends and family. Kevin Treftz
I am thankful for Brian and his team for being efficient, honest and understanding. They helped turn what was initially a stressful process into a situation where I felt confident that I was in the right hands to make the process seamless and successful. Thank you for all your hard ... READ MORE Lisa Keller
Brian is simply the best at what he does and really cares about people. We've used Brian for a purchase and twice to refinance and all three times he has gone above and beyond our expectations. I've recommended Brian and Yolanda to my closest friends for over 9 years now and ... READ MORE Thomas Riccobono
We have used Brian's Services several times now and appreciate his personal touch and responsiveness to our needs. That's why we recommended him to others and our son as well. Thank you Brian for your help. David Stutsman
Brian was a pleasure to work with and kept me up to date with each step of the mortgage process. Brian answered all my questions that I had. When the time comes I will recommend him to friends/family & use him for any future mortgages. Thank you. Christine Aubrey
Brian and his team are great. This is my second time using his services and would use again. Herbert Villanueva
Brian was great. He took the time to go over the refinance process with me. Also got me the lowest interest rate from any other banks I asked first. As I said Brian Gallegos was very knowledgeable, patient,and answer any questions I had. I would greatly recommend Brian Gallegos to ... READ MORE Juan Abundez Weld Technician
Brian was recommended to me by a co-worker and I wasn't disappointed. I had many question as we walked through the re-finance process . Brian was super responsive and so helpful in answering all my questions. Everything went smoothly and we closed without a hitch! Would ... READ MORE Christine Sleighel Office Manager
Brian was incredible to work with! When I was planning a move across country, I didn't think I was in position to become a homeowner, so renting again looked like the only option. I was connected with Brian, and with his strong knowledge, was able to analyze all of my finances, ... READ MORE David Jozwiak
Brian was great help in refinancing our home. We couldn’t have done it without him. He was very educated In the subject, prompt and responsive. Would and have definitely recommend Brian to anyone having home financing needs. Arnoldo Corrales Home owner
Brian was very through in explaining the process. Brian listened to my requirements and exceeded them, and let me know when he met my requirements. Overall this is by far the best refinancing service I have ever had. Thanks Brian! B. Mitchell Engineer
Brian worked diligently to make the process of home buying seemingly effortless. He's definitely more than a mortgage loan officer with great financial services! During a highly competitive sellers market, he went above and beyond reaching out to the seller on my behalf. The ... READ MORE Robin McCleary Robin McCleary
Brian was very responsive and quickly and efficiently took care of all of the steps we encountered in refinancing. It was a pleasure working with Brian. Joseph A Clarken
Everything was done perfectly and quickly. I couldn’t have asked for an easier refinance for me and my wife. Paul J Gallegos Federal Agent
Hi Brian, I'm so glad my cousin Loralee recommended you to me! It was a pleasure working with you and your associates during my are always prompt in returning calls, answering questions, sometimes even anticipating my questions. I've gone through refi before ... READ MORE Linda Jones Tax Professional
Brian Gallegos is amazing, patient And helpful. Made me feel like he had my best interest at all times. When my sis gets home from the Navy in a year and buys her fist home I already gave her his information. Kind , honest and helpful is how he runs his business. Jeanie Gilmore Jeanie Gilmore Dispatcher
Brian went beyond the call of duty when processing two loans for me at the same time. His ensight was most appreciated when recommending other options that would benefit us the most. He was always available for any question that I might have with clear explanation. Great job Brian ... READ MORE barbara e mccarthy
Brian was perfect!! Rayven Stern High needs case manager
Very easy to work with, paper work was fast and simple, very fast closing and kept us informed the whole time. Amber Braswell Amber Braswell
Just wanted to let everyone know Brian Gallegos and his team were wonderful. They kept in touch and explain everything to me i would recommend them to everyone. Monique pena
Brian and his staff did a very thorough, quick and painless job for me. My recommendation is high for there abilities and services. Would not hesitate to use Amerifirst again. Bea Bebe Wexell No title
Brain and his team were great and we will continue to use them for financial advice. Derek W
Brian was very, very patient with the whole process from beginning to end. He explained every step thoroughly and answered every question I had. He returned every call no matter what time it was. I couldn't have asked for a more professional manner in which Brian presented ... READ MORE Dennis beedle
Brian Gallegos was recommended Deborah Byrd-Greskp Deborah Byrd. By any By.
Brian helped my husband and I purchase our first home. As young adults in our 20's we were afraid of not having the knowledge or experience. Brian and his team walked us through every step of the process and answered all of our questions we had. We are extremely thankful for all ... READ MORE Karen Sereno Order Entry Specialist
My husband and I are very happy with the service Brian and his team provided. He was always available when we needed him. Jamie is awesome too. Misty Hines Educator
Brian was involved every step of the way, letting me know what was needed by me , and believing in me that I make this major step. Thank you Brian and your team! Steven Candelaria
Brian absolutely changed the game for me -- I am in the middle of divorce, travel 200 days a year, and was even hospitalized during the process. Despite this, I was able to refinance without a problem. Brian and his team made everything possible and I wouldn't trust anyone else ... READ MORE Marianna Zapalova Marianna Zapalova Retirement Trainer
Brian worked hard to get all of the information that was requested from the lender and it was endless, I would have been lost thru most of this but all I can say is Good Job Brian. Thomas Johnson Retired
Brian and his team made buying my home a smooth process from start to finish! They kept me up-to-date and sent me reminders on things I needed to do to keep my loan moving forward. There were no hiccups and my loan even closed a few days early! Team Gallegos you are awesome, you will ... READ MORE TERRYE IANNETTA Education Administrator
Brian Gallegos was recommended to me by a family friend. She and her husband just finished the closing on their reverse mortgage and they were quite pleased. I was interested and asked for the information. I just finished closing on my reverse mortgage and used Ameri First, Brian ... READ MORE Joyce S. Sherrod N/A Customer
Brian and his team are on top of the mortgage game and their clients. They are straight shooters and tell it like it is. Excellent job again for my business. Thanks Doug Doug and Joni Summers Realtor and customer
We can't say enough about Brian. We have had the best home buying experience ever. This was our first purchase. We met Brian a little over 2 years ago through some friends. He gave us a plan to follow and said, come see him later. We followed the plan and came back to see him. ... READ MORE Rodney and Sandy Coleman Rodney and Sandy Coleman
Buying a home was made easy for us with the assistance of our lender Brian Gallegos . He would make time with meeting up with us to pick up documents so we wouldn't have to leave work early. He also answer any questions if needed when we called him by phone. I highly recommend him ... READ MORE Ernesto and AnnMarie Sanchez New Home Buyers
He was very clear spending to me about the loan process he's playing me where I have to work on what I have to do everything. very honest person. Thank you Brian Gallegos for your help I appreciate it I definitely will use American first again to buy my next house.⭐⭐⭐⭐⭐⭐⭐⭐ Violet Client
Brian worked very hard at getting my loan approved in a timely manner. He was very responsive and eager to help me buy my townhouse. We had a tight time line and he worked very hard to make it work for us. He is very knowledgeable and was very understanding of all our needs. I would ... READ MORE Brenda Doeksen Speech Language Pathologist
Brian has done 2 mortgages for us now and I wouldn't use any other Loan Officer. He is awesome along with his whole team. The ease of the whole process from their office has made purchasing a house so much easier. I would recommend Brian and his team to anyone looking to ... READ MORE Barb Davis Billing Manager
I can't say enough about how great a job Brian and his team did for my husband and me. We were so thrilled to get a reverse mortgage and not have to worry about leaving our home as we age. We couldn't have done it without Brian. Thank you so much for your hard work! Never ... READ MORE Darla J Livingston REALTOR
Brian is awesome!! As is his entire team! There's a lot that needs to be done when dealing with loans, and Brian knows all of it. He is without a doubt the most valuable asset you can have! My realtor had nothing but praise for him after working with him! I highly recommend him!! Brice Matte
Hello everyone just wanted to say that brian gallegos is the best financial advisor I've ever met. He made mines and wifes dream come true ,he is real patient with first time home buyers and is really accurate on what he needs you to do. I will always recommend brian to anyone ... READ MORE Anonymous Anonymous
Brian was very friendly and helpful during the entire process. WI'll def use him for refinancing and will recommend to family and friends. Melissa Mehner Purchasing Supervisor
Brian is a true professional in the mortgage lending business. As an insurance agent I've worked with many lenders over my 14 years and Brian is by far the best. Brian is always looking for ways to help his clients archive their dream of home-ownership, whether its a down payment ... READ MORE Troy Bacon Insurance Agent
Brian is the best of the best. He worked with me and my fiancé for over a year to get us on the right track and into our dream home. This is the second time I personally have used Brian and I recommend him to everyone. Nikki Scott
Brian was a big help through out the entire progress. He guided me and told me what I had to do to establish my credit. He would check in on me every month to see how things were going and was always avaliable to answer all my questions. I highly recommend Brian. Thank you again ... READ MORE Liliana Martinez Family support specialist
Brian and his team treated me with the up most respect throughout the whole home buying process. Straight forward and efficient with all communication at all times of the day and night. Brian and his team really went above and beyond for me and helped me feel confident while buying my ... READ MORE Jessica Hurless Medical coder
Brian did a very professional Job regarding the Refinancing of my mortgage. I also had used Brian's services when I originally purchased the Home Several years ago. On both times, I was completely satisfied with his handling of the Mortgage. Walt Jones Walt Jones Owner
Brian and his team did a great job navigating us through both the initial mortgage and the refinance a few years later. He answered all our questions and was very patient and respectful. Brian and his team really made the entire process as painless as possible. I would definitely ... READ MORE Scott Ruhl
Brian was extremely professional,timely, and accurate with all of his information. If we needed any question answered Brian was always there to answer, no matter the time of day. He attended or loan signing in person even though it was at 9 pm on a Friday night and more than 40 miles ... READ MORE Chad Beedle Emergency Coordinator-Dept. of Homeland Security
We were referred to Mr. Gallegos through our Realtor. He was very nice, exact as he could have been when dealing with hypothetical number for purchase of a home. Overall we had a great experience. We started the process on August 1st 2016 and closed on September 2nd 2016. We knew what ... READ MORE Michael & Lisa White Michael & Lisa White University Counselor & Commercial Assistant Property Manager
Brian and his team always go above and beyond for our clients. They close every transaction on time (or early!) and our clients are informed every step of the way. Brian and his team are versed in all aspects of down payment assistance, VA, conventional and FHA programs. As a leader in ... READ MORE Serena Pell Serena Pell Realtor

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