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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.


Jeff was incredibly easy to work with and guided us through the process of our loan application, a complicated endeavor for first-time homebuyers. He worked with our timeline requirements and was able to get us from our initial offer to moving into our house in under 30 days. He was ... READ MORE Evan S DO
My fiancé and I just purchased our first home, and Jeff was an integral part of making our experience so smooth. Great communication throughout the process and a pleasure to work with. Morgan Granoski
Great experience working with Jeffrey Cruz. Was easy to reach by phone, email or text. Answered our questions quickly. Would highly recommend! Lucy Koegeboehn
Hello, We just wanted to say that Jeff and his Amerifirst team did a great job with our mortgage loan. Jeff was always available to answer any questions we had, and he was thoroughly knowledgeable about the VA loan process. If we ever buy another property, we will seek Jeff ... READ MORE Wallis R. Sanbrn III bHome Buyer
Jeff was very courteous and helpful as we proceeded through the process and paperwork to complete our home refinance. There was an additional form or two that were recognized as needed later in the process that it would have sped the process if they were a part of the original packet. ... READ MORE Gerald Koegeboehn Home Owner
Jeff and his team were great in every way, and I would return to Jeff for help if I ever needed another property loan. Wallis Sanborn Veteran and 1st Time Buyer
I highly recommend Jeffrey Cruz for his professionalism and how smooth he made my home purchase process. We were pressed for time and through it all he was there to follow through with such peace. I'm thankful for my realtor's recommendation and will definitely refer Jeffrey to others. Yelina Dager CPA
Jeff and his team made the loan process simple and easy. Zachary Crumley Firefighter
Extremely professional and excellent service. Answers all calls and emails immediately. Never had to worry about anything. Bennie Foss Accountant
Thank you so much Jeff for making the process of purchasing my new home seamless. I couldn't have asked for anything better! You are truly the BEST! Johnnie Ann Montalvo Payroll Specialist
Very professional team, they make everything easy for you. It was a pleasure working with Jerry and his team. So happy of getting my first house, thanks to you guys. Gustavo Delgado Sales Representative
Jeff and his team were amazing and very easy to work with. Belinda Wapitia Support Manager
Jeff and his team did a phenomenal job. They communicated with me every step of the way. Olivia Lindsey Analyst
Jeff and his team did a fantastic job getting our house closed. We were on a tight time frame and Jeff made it happen. He communicated thru the entire process and made the purchase of our new home seamless. Jeff and his team are true professionals and I would recommend them to ... READ MORE Steve Nybo General Manager
Jeff always goes above & beyond!! He and his team work quickly and efficiently. They are excellent at communicating each step of the mortgage process. They will even keep in touch once the work is done. Great customer service that is always friendly and professional. Adam Lanier Homeowner
As a REALTOR, i have worked with Jeff Cruz and his team for almost 10 years. Why would I not want to use him for my refi? Even though we are under stay at home orders because of COVID, Jeff's team stayed right on schedule, thought outside the box and made everything go smoothly! ... READ MORE Martha Haupt Martha Haupt REALTOR
Right from the start of the house buying experience, Jeff took time to learn a little about my bride and myself. He is very personable, easy to talk with and relate too. during the initial consultation he explained the process in detail. He and his staff were always available to ... READ MORE Dennis Goff Shipping Coordinator
Jeffrey and his team did a great job helping us through the process of buying our home. We didn’t know a whole lot about purchasing a house but he was there to answers any questions we’d had quickly and sometimes even late in the evening. Thanks for all your help! Mercedes Mann
Jeffrey and his team are great. They worked diligently and kept us up to speed during the whole process. Justin Langford
Mr Cruz did a great job communicating and being transparent. D Miller
This is my second purchase with Jeff Cruz’s help. This one was rough due to the Covid-19 outbreak and the remote location of the property; however, Jeff and his team were diligent in keeping us informed of the progress and the roadblocks. They were responsive and forthright ... READ MORE Ron Lozano Ron Lozano Customer
Jeffrey Cruz and his team did an amazing job handling our loan. We were kept up to date and very informed through the whole process. I highly recommend Jeffrey and his team! Kyle Kuhn
Jeff provided great service from the start. My wife and I were moving pretty fast through the first-time homebuyer experience and feeling a little overwhelmed. Jeff was able to walk us through all of the details of our mortgage and the home buying process with great care and guidance. John & Natalie Pearce First Time Home Buyer
Jeff and his team were professional, informative and easy to work with. They were always a phone call, text or email away. His team kept us informed and educated us every step of the way. I highly recommend Jeff and his team!! Brandi Bentley District Operations Leader
Jeff and his team provided a great experience and were always available when I needed something. They answered all my questions in a timely manner. They made what could be considered a stressful process into something stress free. Thanks for everything. Jessica Vandervalk Home Buyer
Jeff Cruz (and his team) are amazing! From our first conversation to closing on our house, Jeff and his team were in constant communication with us. If we had questions, no matter the time of day, his team would quickly respond. I cannot recommend Jeff and his team at AmeriFirst enough. Scott Quint
Thank you for the great service! I look forward to working with you and your team again. Shelly Williams Realtor
The team was excellent with updates and made everything happen so swiftly. Client was well taken care of and very pleased with the service provided along the way. David Hightower Realtor
Jeff Cruz, Bob Watson and the Amerifirst Team worked diligently to bring our closing date up. Since we were moving in from another city, this earlier closing date saved us money in hotel expenses and brought peace of mind. Bob was available to answer our questions, even after hours. We ... READ MORE Rebecca & Scott Quint Move up Buyers
First of I can't say thank you enough for the hard work Jeffrey and his Team put in ..especially Bob being on top of everything ! You all are amazing! I won't tell you the details ! However, if you need someone you can't TRUST for your loan needs AND you need an A Team to ... READ MORE Pamela Austin Pamela Austin Humana Insurance
When I was referred to Jeff Cruz, I was entering the market as a first time buyer. Naturally, my needs were a bit different and I had loads of questions. He provided easy to read electronic cost analysis comparisons and explained things in detail. He made himself available to me at ... READ MORE Thanh
Jeffrey Cruz was professional, very responsive, patient, knowledgeable, reliable, and kept me in the loop throughout the business dealing that I had with him. No matter how busy he gets, every time I would reach out to him about a concern, he would make himself available and ensure ... READ MORE Lennette Lennette
Jeff came highly recommended when I began the process of purchasing a home and he did not disappoint. Jeff exuded professionalism at every step with information, follow up, explanations, processes, and timelines while still integrating a personal touch. This was an amazingly smooth and ... READ MORE Don Smith Dual General Manager
Jeffrey was very upfront and site of what was needed to get the job done. A home loan as a small business owner that isn’t rich beyond belief as most assume we are did require some leg work on our part, the up side was everything that Jeffery Cruz and his team needed was ... READ MORE Rick Powell Rick Powell Supreme leader
Jefferey is a great loan officer. He is very knowledgeable and also friendly. I enjoyed working with him to get the loan closed because he & his team answered all my questions and worked promptly. I would definitely recommend him to anyone that is searching for a mortgage company. Alex Kamunyo Alex Kamunyo Civil Engineer
Jeff came recommended to me and I couldn't be happier with the experience. Jeff and his team were very dedicated throughout, were available always for questions and I even received follow-up calls and messages on the weekends. His team also worked hard to help correct a property ... READ MORE Don Smith 1st Time Buyer
Jeff and his team went above and beyond my expectations -- answering my many questions, guiding me through every step of the process and being supportive throughout. I could not have had better service! I feel that clarity and professionalism was top notch. Cynthia Diehl
Very smooth process! I would highly recommend Jeff Cruz and his team. Great people to work with! Erick Vela Sales Manager
Amazing service amazing experience first time buying a home thank you to all Amerifirst employees, Jeff, Alicia, and bob and my Realtor Sergio Martinez. Everything exceeded my expectations thank everyone. Kevin Linnartz Home Buyer
It was a pleasure working with Jeff since day one. Great communication with me, he always kept me updated on what was going on. Would definitely recommend Jeff to anyone, he made the process quick and easy for me. Genevieve Cuellar
Despite complications during the approval process, he made sure that we are happy at the end. Thank you Jeff. Farzaneh Atrian
I highly recommend Jeff and his team to help you with the process of financing your new home. They made my dream of many years come true. They are highly qualified and experienced to get you the best deal on buying your new home. Blanca E. Quezada-Trevino Blanca E. Quezada-Trevino School Teacher
Working with Jeff Cruz was a delight. He was interested in to listening to our families plans and goals. He was also able to relay the right information, at the right time, and at a competitive rate. Jeff truly has your best interests in mind and will get the job done! Stuart Henricksen Stuart Henricksen
This was the second house we purchased with Jeff arranging financing. Jeff and his staff, especially Bob, provided an outstanding experience. Jeff's professionalism, along with his expertise, ensuresd that the process was executed flawlessly. We strongly recommend Jeff, and look ... READ MORE Ted Calvert
I was referred to Jeff and his team from my bank. Being self-employed there are challenges to starting a new home loan process. Jeff and his Team did a fantastic job! Thank you AmeriFirst! Patrick Connelly VP / Partner
Fantastic experience. Jeff and his team kept us inform every step of the way on what was going on. Knew exactly what we needed and took care of us. Recommend him and his team to everyone. Dennis Stafford
Jeff and his team were great to work with. They made the home-buying process easy. Jeff took the time to explain the process and was available whenever we had any questions. Would recommend to friends and family. Abel J
Jeff and his team are awesome, they did a great effort to get everything together to get approved for my dream house. IAM very happy with them and greatful because it is very important for me to have my own place. I greatly appreciate their help and definitely will recommend them to my ... READ MORE Alma Delia Hernandez Alma Delia Hernandez Buyer
The experience was excellent. It was great working with Bob & Jeff getting our loan for our house . I definitely will referred my family and friends. Alma Hernandez 2nd time with Jeff Cruz Team
Mr Cruz were helpful with the loan process. He would always greed us and asked how things were going and ready to help when needed. His staff member , Michelle Moreno was great keeping us inform with the process. Lucio Jimenez Jr.
Jeff and his team were quick and efficient. They kept me and my wife in the loop with what was going on. He made me and my family's move to San Antonio go smoother than other parts that I had to deal with. Maximilian Mcphee
We were extremely satisfied with the quality of service provided by your staff at AmeriFirst Financial during our refinance of our home. We were informed daily about the status of our account and given excellent explanation if we had any questions. We were assisted by your staff ... READ MORE Pamela Gabriel Craig and Ralph M. Craig Attorney
Right from the start I knew this was the team that would help me make my dream come true! From beginning to end Jeff and his team were helpful, thorough and reassuring that our new home was on its way! Roseanne Castro First Time Home Buyer
Jeff Cruz and team did an excellent job. They were super helpful and I am very satisfied with their service Neelam Mukherjee Scientist
The Team was very very helpful and made this process very simple when it can be very stressful. This was my first home purchased alone and I needed a Team like this! Most of all, they were very kind and understanding. I would highly recommend the Jeff Cruz Team. Monique Pugh Certified Pharmacy Technician
This was an amazing experience, in the beginning I was really scared, I had I lot of questions, nervous. But from the first visit that we had in his office everything changed. Jeff and his team are amazing, they explain every step that we had to take and what is next. They will send ... READ MORE Miguel Angel Bernal Miguel Angel Bernal
Jeff and his team made the home loan experience easier with prompt responses to communications and regular updates as to where we were in the loan process. Trevor Vallejo
All paperwork on my home mortgage went as expected. Keep up the good work. Carmelo Vegerano Homeowner
Jeff Cruz and William "Bob" Watson were extremely professional and thorough during my entire home loan and home-buying experience. I came to them with, I would say, more than the average person's number of questions and even presented to them on three different occasions ... READ MORE Frances McClintock Home Buyer
I love the Amir first team, one important thing Batman very much to me that other people do not offer this team offered communication patience explanation and most importantly they were always there to take my call if I ever had a question on my hand I love the AmeriFirst team, one ... READ MORE Michael Anthony cruz Home owner
Awesome team to work with. Smooth process . always in the loop. Highly recommend Jeff and his team. Bob KHALIFE Executive Director
Jeff made the whole home buying process very simple to understand. He was always willing to explain anything I asked about, which was helpful for me going through my first home buying experience. Michael Noel First time home buyer
Jeff was very helpful in getting us our first home. He was very patient as we constantly asking question and pressuring him getting our stuff moving. Vic Tapong Retired Soldier
We were very fortunate to find out about Jeff Cruz and AmeriFirst Financial, Inc. We were shopping around for a financial institution that would provide a loan for a Manufactured Home and we were quite surprised to find that most of the banks we reached out to were outrageous! Thanks ... READ MORE Patricia Moroney Home Buyer
From my initial meeting until after the closing, your team was patient, friendly, professional--just on "top of its game." Any question that I had was clearly and fully answered. I am still so surprised (and very grateful) that my bid was on June 3 and I closed on June ... READ MORE Sloane Von Wertz Home Buyer
We’re a first time home buyer and new with the whole process. Jeff explained every step of the way and very accommodating with our situation. It was a last minute decision for us to buy a house, instead of renewing our rental home. That being said, he made sure we’re able ... READ MORE Kate and Vic Tapong First Time Home Buyers
Absolutely exceeded expectations! The fact that this was done during the first half as a HIP program and then switched 3/4 of the way through as a better option for my buyer was outstanding! Closing costs came in way lower than he was expecting and he was happy with the final outcome. ... READ MORE Jason Levasseur Realtor
The team at Amerifirst did an outstanding job. When I first called Amerifirst the lady who answered the phone took my information and set up an appointment to meet with Jeff . I met with Jeff and felt confident that everything would be ok. The team helped me reach my goal to buy ... READ MORE Blanca Guerrero Member Services
I first met with Jeff on a recommendation from my realtor, Valerie Alexander back in November. I had been living in an Airbnb since July, and was anxious to find a new home in San Antonio. Jeff and his team were with us every step of the way, and made the process simple. Once I found a ... READ MORE James Bates Global Accounts Manager
Jeff and his team were amazing throughout the entire process! From the Initial meeting of if my dream of buying a house is even possible to let me adjust what I want to spend in my goals to finding me the right lender when it’s needed and all the while being so kind courteous ... READ MORE Tiffany Haines Teacher
At first it seemed as though I might have not gotten into a home but as my wife and I progressed with the loan at Amerifirst, it seemed possible. Bob Watson really help in every way possible to help us get into our home and even when you had a question or request they find a solution. ... READ MORE Christopher Barajas Electrician
Thank you so very much for all of your help in securing our loan for our first new home. You were organized, thorough and professional, as well as kind which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. ... READ MORE Kristina M Shaw International Radiology Coordinator
Jeff and his team's level of service was excellent. These guys worked so hard to get me into the perfect home for me! Way above and beyond the call of duty and did it with a smile! I would recommend them to family members or friends. Tiffany Haines First Time Home Buyer
Guided me through all the Dreams of lapped.He returned myquestions with answers .and shirt me. Daniel oliver Daniel oliver Home buyer
I highly recommend Jeffrey Cruz and his team, they are very professional and are eager to help you in any way. They guided me through the whole process of buying my home, explained everything in detail and even helped me with getting my credit score higher so that I could qualify for the loan. Kenneth N Kluting Jr Service Writer
I recommend Jeff Cruz and his team to anyone wanting to buy A Home they went above and beyond to get me my house Bradley Mort Maintenance Manager
Very easy to work with, and kept me in the loop the entire way! Great team! Rose Executive Assistan
Jeff was very attentive to our real estate needs. He answered all of our questions and provided multiple options for us. Easy recommendation! Ken Raimondi
Jeff went above and beyond making sure that we were involved and understood the whole process. As first time home buyers, his experience and attention to detail were invaluable. Kara and Mathew Thomas Home Buyers
Jeff and his team were very professional, responsive and always keeping me updated. This was my first time buying a house and the process could not have been smoother. I was kept in the loop, any questions were promptly answered and they exceeded my expectations. Stephen A. Wright System Developer Specialist
Buying a house for the first time can be nerve racking. This company made it so fun and easy to pursue my dream into becoming a home owner. I couldn’t be more happy with the amazing customer service provided by all the employees that helped me through this journey. I highly ... READ MORE Mariel barba Mariel barba First time home buyer
Best mortgage experience I’ve ever had. Dale Haines Sales Manager Barrett Jaguar
Buying a house is the most biggest investment one can make. Many emotions, legal jargon and just expected stress comes into the mix. Jeff’s team is very professional, seasoned and handles well beyond expectations the entire process of getting funded for your dream home. My ... READ MORE Jeff Spangler IT manager
I felt that I could relax as Jeff and his team got my home purchase ready. That’s all I wanted and I got it! Grace Marvic First Time Home Buyer
Very impressed in how patient and teachable in you are in making business , in business for the people. , to get where they need and want to be in life. IT was truly an expierene. Thank You and Your Team at Amerifirst. Deborahand Leon Sneed Resturant Manager
Jeff and team were thoughtful and quick to answer any questions we had while purchasing our first home. In one instance, he not only was reachable during normal out of office hours, but he came back to us within five minutes with projections on any financial impact for a house we ... READ MORE Lauren Lerma Financial Management Analyst
Jeff and Bob were great to work with. They kept me and my agent updated all through the process. The mortgage process can be stressful, but they were there for me every step of the way. Thanks guys. I am now in my new home. Olga Meredith Olga Meredith
The service from Jeff and his team was excellent. We liked that you were always there to answer my questions that I might have and you were willing to work with our time table. Michael and Donna Lambert Home Buyers
This was my 3rd time buying a home, and I have to admit, this was the smoothest one yet. Jeff and his team, kept me informed every step of the way. They are all so professional, yet make you feel like a person and not just an account. Barbara Yelvington Sr Accountant
Jeff Cruz and his team were amazing. They always answered every question I had and explained everything very well. I loved how his team always kept me up to date on the status of my purchase. Tillie Willborn Retired
Jeffrey and his team Jordan and Alicia are very easy going, wonderful people who you immediately feel comfortable with. We were originally approved by other larger lenders with same interest rates but a lower approval amount. We wanted to be approved for a much higher amount and Jeff ... READ MORE Sandra and Tony Hernandez Driver, Office Asst
I could not have had a better experience buying my first home. The team at AmeriFirst Financial explained everything so clearly and ensured that I had full understanding of every step of the home buying process. They were quick with responses and very clear about everything they needed from me. Alyssa Carvajal GIS Analyst
We are both from Riverside County, California and putting our house on the market, plus looking for a Texas home at the same time was not easy. How do you trust someone you never met with all your personal information 1800 miles away! It was our destiny to meet Jeff Cruz by phone ... READ MORE Alfred  and Colleen Alva Alfred and Colleen Alva Retired
The level of service we received from Jeff and his team was excellent. Communication was key in this transaction. We were located in California during our initial search of homes in Texas. Jeff was referred to us by another lender since amerifirst loan on Manufacture homes. Jeff ... READ MORE Alfred Alva Home Buyer
The experience of being a first time home buyer can seem stressful. But AmeriFirst Financial eased our worries and guided us through the entire process. They are a wonderful well working team that get things done and keep the buyer informed at all times. I would highly recommend ... READ MORE Celina Gomez First Time Home Buyer
It was really fast and we closed. I highly recommend Jeff and his team! Paul Jang Mr.
Jeff is our guy! Worked with Jeff for many years .. ...your satisfaction is his #1 priority. Even though he's a "branch manager" he's still just a text or call away anytime... i recommend him with no hesitation. You get 5 golden stars from me sir .... Thank you!!! ... READ MORE Jacob Alfaro Home buyer
I would like to thank you and your team for the great service you all did for me and my family. We really appreciate the time and personal attention you all took to make this dream of ours a reality. You guys really simplified what would have been a confusing process. I would not ... READ MORE Jerry Mendoza Equipment Operator
Great Job. Very knowledgeable and answered all my questions. Robert Stewart
Jeff Cruz & his team are great. They made our first home buying experience amazing. They answered all our questions and even questions we didn't think of. If you need a Professional and Knowledgeable Lender? Then, Jeff Cruz & his team are what you need! John Gonzales Park Ranger

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