Helping Homeowners

GET Pre-Qualified Today

No SSN or Hard Credit Pull for Pre-Qualification

It only takes minutes to get started!

Step 1
Select Loan Type
Step 2
Step 2
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$
Step 3
Select Home Description
Select Residence Type
Select Timeline
Step 4
Yes or No
U.S. military service?
Currently Working with a Real Estate Agent?
Step 5
Final Step
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Steps to getting a mortgage

  • Check Finances: Make sure you know your credit score. Generally a score over 620+ is needed to purchase a home. Scores between 580 and 620 might qualify under special programs or need to go through credit cleanup before getting approved.


  • Choose Mortgage Type: Low down, FHA, VA, Conventional, Jumbo, and construction loans are the most common types of mortgage loans. We can help determine the best loan type for your situation.


  • Choose Mortgage Term: Loan terms normally range between 10 to 30 years. Payments are lower on 30 year loans but you end up paying more interest. Payments are higher on 15 or 10 year loans but you pay less for the home over time.


  • Down Payment: Down payments start as low as 3.5% on FHA loans. Most down payments are between 5% and 20%. You should also plan to cover closing costs, and some banks require additional cash reserves in your bank account for investment property.


  • Get Pre-Approved: You will need to be pre-approved before you can submit an offer on a home. Most realtors wont show you more than a couple houses until a lender has pre-approved you for a mortgage loan. Pre-Approval can take between hours and a few days and requires submission of paystubs, bank statements, tax returns, and credit scores.


  • Get the best Rate: Mortgage rates are at their lowest in history. Now might be the best time to refinance or purchase a new home.



AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright © 2021 AmeriFirst Financial, Inc. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Visit https://amerifirstloan.com/pages/state-licensing for all state licenses information. Visit NMLS Consumer Access at https://www.nmlsconsumeraccess.org/


Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.


Not intended for legal or financial advice. Consult your own professionals if such advice is sought. NMLS Nationwide Mortgage Licensing System & Registry Consumer AccessHUD Fair Housing & Equal Opportunity.


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