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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 / 4.25% Interest
  • Principal & Interest $949
  • Property Tax $250
  • Homeowners Insurance $58
  • Mortgage Insurance $84

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 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
Amerifirst: What can I say !!! WOW, INCREDIBLE, I live in Kingwood, Texas and Jeff's Team is based in San Antonio. They made our home buying experience so easy. Everything was up-front, no hidden forms, no secret apps or back-door websites. Follow your progress on their ... READ MORE Leonardo Mitchell
Best experience ever , very friendly and professional team.. .... they help me to the end ... buying and choosing a house is not easy ... with them it was ....++++++ good service... Excellent! Marwan Hassanieh Move Up Buyer
Jeff Cruz and his team were awesome. They were extremely informative throughout the whole process. They completely took the stress away from our shoulders and made the experience an enjoyable one. My wife and I are truly grateful to have had the opportunity to work with Jeff and the ... READ MORE Stephen O'Quinn Electrician
Mr.Cruz is very dedicated to his profession he and his team were very helpful and, and not to mention if it wasn’t for Mr Sergio Martinez who recommended me to Amerifirstfinancial I probably would have been lost so Thank you so much Sir for directing me to the right place 👍👍👍👍👍 Maria Razo Maria Razo Executive CHEF
I can honestly say that Mr. Jeffrey Cruz and his Team at AmeriFirst Financial made my first home buying experience a very pleasant one. From our first conversation he explained each and every option that was available to me and I never felt pressured into any decision. My phone calls ... READ MORE Arsenio Delacruz Jr. Arsenio Delacruz Jr. U. S. Army Security Specialist
Jeff Cruz and his team were very professional and wonderful to work with through my home purchase journey. They were very detail oriented and made the whole process simple to follow. I would recommend Jeff and his team to anyone looking to purchase a home. Great job team! Crystal Delk
Jeff Cruz & Team, Just a little thank you note to let you all know how appreciative the De La Cruz’s Family feels for your excellent professionalism involving the entire process of obtaining a mortgage for our new home. You all made things go smoothly and eased my fears when ... READ MORE Arsenio De La Cruz Home Buyer, Veteran
Mr. Cruz was very diligent regarding business transitions. Furthermore, he noted extreme compassion and did not hesitate to answer any questions. Overall, noted experience was stress free. To reiterate, Mr. Cruz provided one to one education on finance, expectations, and foundation of ... READ MORE Dolores C. Gonzales New Home Owner
Jeff Cruz was a tremendous help in securing a mortgage loan so that me and my wife could purchase our home. Jeff takes time to explain the process of getting approved and his team is very helpful and has great patience in dealing with you throughout the whole process. Jeff is ... READ MORE John Ramirez Home Buyer
Jeff Cruz and his team have worked very hard to successfully process my mortgage loan in a timely manner, I had 2 months to find and finance a home, and they were able to help me accomplish with in those 2 months. thanks to Jeff and his team, we now own a home in San Antonio. Gerardo Guzman Office Manager
Jeff and his team were a pleasure to work with. Always on top of everything and quick responses to any of our questions. This was our first home purchase and they made it easy and stress free. Adrian C Oviedo Prem Tech
Great experience working with Jeff and his team.. communication was amazing and always worked with my hectic work schedule. Melissa Loera Nurse
Jeff Cruz is a man with integrity and respect. Jeff is available to you 24/7 and if he doesn’t have the info you need on hand he gets back with you as soon as possible. Jeff Cruz, Jordan and their team are awesome people to work with In securing a home mortgage. The Cruz team is ... READ MORE John and Margaret Ramirez Home Buyer
This is the second time we used Jeff Cruz and AmeriFirst, and we would use them again. Jeff and team will go out of there way to ensure you are taken care of during the biggest decision you make. Jeffrey Sweeney Department of Defense (Army)
I have worked with Jeff on 2 occasions purchasing my primary home and a rental property. On both occasions, Jeff and his team were very knowledgeable, responded quickly, gave recommendations to ensure a smooth closing, and were flexible when details didn’t go exactly as planned. ... READ MORE Jill Sales Senior Technical Project/Program Manager
I worked with Jeffrey and his team to purchase my home. He was vey professional and knowledgeable and answer all my questions. They kept me updated at every step of the way and we closed right on schedule. I am very satisfied with the service I received and would definitely ... READ MORE Abdiel Medina Abdiel Medina Bussiness Analyst
Jeff, his AmeriFirst team, along with my realtor and title company worked hand-in-hand to assist me in purchasing my new home in Texas ... while still in California! Jeff and his team explained the long process from beginning to end and kept me in the loop the entire time. I ... READ MORE Terry Rolland Retired Probation Officer from Alameda COunty, CA
As a first-time homeowner I was anxious, but the clarity and support I received from the Jeff Cruz Team at AmeriFirst put me at ease and made my home buying process a breeze. Clear lists of required documents and action items were provided frequently to ensure a timely buying/closing ... READ MORE Caitlin Morris First Time Home Buyer
Jeffrey Cruz and his team made our home buying experience one of a kind experience. Very helpful and there to answer all our questions. We will definitely recommend him and his team to family and friends. Dominic Family Home owners
The finance approval was very timely. A perfect 10 on performance. Keep up the good work! Ray Weaver Realtor
Jeff our experience with you was outstanding. Communication was helpful and prompt. During stressful times as a buyer in dealing with seller hang ups, Your professionalism was soothing, and for that confidence you gave us helped us continue to the finish line of being a new home owner. Nancy Switkovitz Home Buyer
Thank you so much for the opportunity to work with you and your amazing team! Communication and execution was key in making this transaction happen and your team exceeded every expectation. I look forward to working with you and your team again soon. I just wanted to personally thank ... READ MORE Janie Buys Realtor
Jeff Cruz is very knowledgeable and trustworthy, I highly recommend him as a Manager and Senior Loan Officer. He has an awesome staff and is always willing to help get the deal done!! Jason Rozacky Jason Rozacky Realtor and Business Owner
I was very impressed with the personable and efficient manner with which Jeff and his team handled our challenging closing and purchase of our home. I will definitely work with them again in the future if the opportunity presents itself. Chris Buckley Coach
The Jeff Cruz team did a great job for the Riley Family! the Loan process was a complex one, but in the end, they did everything they needed to make this home buying experience for my Family and I a good one. We are currently remodeling our new home and couldn't be more excited!!! ... READ MORE Dylan Riley Dylan Riley
Jeff and his team did a great job throughout the entire process and were available any time I needed anything explained. Jose Campos Jose Campos Specimen Processor Coordinator
I came to Jeff by recommendation when I was buying a house. Didn't know what to expect but was greatly surprised how professional and cutting edge Jeff Cruz was. Any questions I had were answered, any request I had were meet. Very smooth and fast process with Jeff and his team, ... READ MORE Douglas McClendon Environmental chemist
Jeff and his team are great! They're very knowledgeable and keep you up-to-date throughout the process. I would highly recommend them! Carol Ann Kendall
Personal service. Thank you for still meeting clients face-to-face when it's their preference, and speaking to them personally, rather than through assistants. The extra effort makes all the difference. Also, having expertise in specialized transactions sets you apart from the ... READ MORE Christine Aldrete Banks Realtor
I went to Jeff from recommendation and I am so glad that I did. He was there to answer any questions that I had and made me feel extremely comfortable. He would call to check up on how I was doing with the whole process in buying my first home. While it can be a very overwhelming ... READ MORE Heather Lynn Gover Heather Lynn Gover
Jeff was a true professional and made my house buying experience a great experience Gilbert Vasquez Gilbert Vasquez Facility data center critical tech
Mr. Cruz and team were exceptional. Very professional, prepared for all my questions and concerns. Always replied and provided me with all answers and documentation promptly. Very respectful, polite and very patient :) Made my experience as a buyer very easy and pleasant!! Vanessa Lopez Vanessa Lopez Buyer
Jeff and his team were great throughout the entire process. The were very organized and stayed in touch until our closing. Would highly recommend Jeff for your mortgage needs. Chad Lewis IT Director
Very courteous, very friendly and approachable. They go out of their way to make sure all your questions and worries are answered. Jesus Palacios Operatioms Manager
Jeff and his team did a great job. Always easy to contact and very helpful throughout the process. Steven A. Boldway Steven A. Boldway Captain
Absolutely exceeded expectations. USDA loan and closed early. Deborah Kosierowski Realtor
Jeff and his team worked very hard and went above and beyond to secure my mortgage. Angela Nugent
We couldn't be happier with the service provided by Jeffrey Cruz and the AmeriFirst team. He made The Process as easy as possible on first time home buyers like us. If you're on the fence about buying a home, this is the man to talk to. A straight shooter with a calming ... READ MORE Ronald J Cantu
Jeff and his team were amazing. They made our first home buying experience so smooth and hassle free. They were there for any questions we had and made sure we understood everything involved in the process. My husband and I couldn't have asked for a better team to take care of us. ... READ MORE Kris Anne Cantu
I love the constant communications I receive from Jeff and his team with respective client and myself, the realtor. One instance was offering the perfect down payment program that allowed my clients' dream to becoming homeowners a reality. Thank you! Marco Robledo Realtor
The Jeff Cruz team at AmeriFirst Financial of Texas did an outstanding job helping me purchase my condo. They were helpful, accessible, knowledgeable, and ultimately successful in making the process as smooth as possible. I highly recommend them. Susan Moczygemba-McKinsey
Loved working with Jeff and his assistant Bob. They were quick and courteous answered all our questions, and made the experience a lot less stressful. Thank you to them both. Matthew clausen Sir
Jeffrey Cruz and his team did an excellent job of handling the mortgage for my new home. Open and direct communication were both very important to me during the stressful process of buying my new home while selling my old house. The Jeff and team (Bob and Alicia) were readily available ... READ MORE Jason Brunotte Compliance Specialist
Jeffrey is awesome! He is very personable, and is a straight shooter. I originally went to Jeff off of an recommendation from my realtor and I knew after just having a short conversation with the guy that I could trust him and his team to take care of my home buying experience. I was ... READ MORE Bradley Davis First time home buyer
The experience was great considering how painful the home buying process can be. We were informed anytime paperwork was needed and kept in the loop regarding the overall status of the loan. I would refer anybody I knew that was in the market, and the videos you get along the way are ... READ MORE Bradley Davis First Time Home Buyer
My experience working with Jeff Cruz and the team of Professionals at Amerifirst was top notch. My home buying experience was riddled with numerous pitfalls and setbacks - new information, old information, taxes, pay stubs, and many other details required over a period of 2 ... READ MORE Marion Kutac Marion Kutac PT
Great! Crystal Dove Alderete Accounting supervisor
Jeff is easy to work with, very knowledgeable, and will do everything possible to make your mortgage process a pleasant and successful one. We used Jeff when we purchased our home 7 years ago, and when we decided to refinance our home, which was recently, we went to Jeff! Again this ... READ MORE Mary M Nordin Retired
Working with Jeff made the financing process easy and understandable. He and his team explained each step and sent plenty of information on what was needed. Big kudos to Jennifer Kettlewell from Jeff's team who kept me up to date on all the forms and quickly replied to my endless questions. Paulo Carvalho
This is the second time I have worked with Jeff and will continue to do so. With my crazy schedule and limited free time Jeff and his team managed to put everything together in a timely manner, including setting up the closing remotely. David Smith Healthcare Food and Nutrition Management
Jeff went above and beyond to meet with my client, answer his questions, and make him feel comfortable moving forward. Keep up the good work! Amiriz Munoz Realtor
I was very satisfied with Jeff Cruz and his team at AmeriFirst Financial, Inc. My point of contact for my loan was Jordan and he was very helpful and answered all my questions and my concerns. He was very informative helpful and very professional. He made this loan process go smooth ... READ MORE Evelyn Navarro First Time Home Buyer
Excellent! We were missing the extension for a Monday closing. Friday, it was brought to the attention of Jeff and his team that we were closing on Monday. They feverishly worked to get the file out of underwriting and to the title company late in the evening that same day. Because ... READ MORE Martha Valiquette Realtor
10 out of 10 stars! Great job as usual!! Allison Benhayoune Realtor
We can't speak highly enough of Jeff and his team. At each stage of the process we received clear explanations of what to do and what to expect. When we had questions, someone was always available to reply by phone, email, or text message. As first time home buyers, such dedicated ... READ MORE Jerry Gonzalez Jerry Gonzalez Associate Professor of History - University of Texas at San Antonio
Jeffery Cruz and his team did an amazing job. They were awesome at helping me get my new home. The team was professional and genuine at being helpful during whatbwas a very stressful uet exciting time for me. I would recommend the team to anyone who is going through what i had to with ... READ MORE Lani Carbajal
Outstanding customer service with a great sense of urgency. We had very little time to get this done and Jeff and team made it happen. We seriously thought we might have to rent for another year but AmeriFirst worked their magic and we are now proud homeowners. Excellent. Robert and Amy Reece Home Buyer
Jeff and his team did a very wonderful Job from start to finish, they sat with me and my wife and explained everything we needed to know and what to expect. I strongly recommend Jeff and his team to handle your mortgage needs they will not let you down. Herb Lechuga Sales
I am a returning customer of Jeff and he always goes the extra mile to make sure what we need is done. The service was excellent and I would recommend Jeff and his team any time. Shakira Thompson First Time Home Buyer
There would not be enough space to explain the outstanding professional and kind assistance of the whole Jeff Cruz team. Every person had knowledge and expertise for their own strengths and service. However, I believe I could find those qualities, anywhere and expected this ... READ MORE Marion (Meg) Kutac First Time Home Buyer
Mr Cruz, Jennifer and their team went over abd beyond to help me with my loan process and to see that I got the best rate possible. I was able to text or call at anytime and they were very prompt. This was my first home so I had a lot of scares and questions but they did not make me ... READ MORE Ricky Service writer
Jeff and his team were fantastic throughout our refinance process. They answered all our questions and went out of their way to help. Thanks for everything -The Taplins Ryan Taplin
When I first started in Real Estate, my Broker aka Amy Karns, would hold Lunch and Learn Classes. Jeff came and gave a presentation about His company. I liked his phrase and asked him if that was true, his response along with his Smile won me over. Jeff Cruz and his team are ALWAYS ... READ MORE Rose Tudy Callaway Realtor
Jeff and his team made things happen! They provided follow up with high sense of urgency and even with a major change in my type of loan they still were able to make the deadline. I am sincerely thankful. David Sanchez Regional Customs Manager
Jeff and Jordan were there every step of the way and explained everything it would take to qualify for my loan. I liked the fact that Jeff would call me to see how things were going and if I had any questions. They walked me through each step with again explaining the process so that I ... READ MORE Julio C Elias Julio C Elias Community Manager
Jeff, you and your team did an excellent job of helping my wife and I come up with a plan that fit our needs and vision for the property. Highest marks for all aspects of the loan. Thank you! Chris Thompson Home Buyer/Realtor
Jeff Cruz, Thank you to you and your entire team for assisting us throughout the home buying process. Your team's professionalism and expertise were beyond our expectations. It was a grueling process, especially not being in the local area, but with your team keeping us updated ... READ MORE Christopher Delos Reyes Home Buyer-relocated to SA
I really enjoyed working with Jeff and his team. They answered my many emails quickly and kept me informed and up to date on all the proceedings of the purchase of my house. Every step was done quickly and efficiently. They took specific concerns I had into account. They were very ... READ MORE Kathy Bondra Ms.
The level of service we received from Jeff and his team was excellent. They were with us every step of the way and made it possible. We would be willing to recommend them to family and friends. Joel McClellan First Time Home Buyer
We would like to thank Jeff, his team and Christa our Realtor for helping us get our little family into our first home. We couldn't of asked for a better team with this long journey. Ace Pruitt First Time Buyer
I had a unique situation where I was purchasing a home I had been renting. I did this transaction without a realtor. Jeff and his team were very understanding and were with me every step of the way.when I ran into a snag, they were right there with me pushing through. All the while ... READ MORE Theresa Blake Home Buyer
If you are looking for a trustworthy transaction call Jeff! Honest, confident, compassionate, thorough and quick! Your mind will be at ease because these men get it done. It has been my honor to work with him on the purchase of my home. Top notch!!! Very happy he was recommended to me! ... READ MORE Theresa Blake Home Buyer
Jeff has assisted many of my clients with obtaining mortgages for their new home. He does a great job guiding them through the financing process. He is a knowledgeable professional who gets the job done smoothly. I am always glad to recommend him to my clients. Patti Cottle Realtor
Jeff is simply awesome to work with. It doesn't get better than that. He and his team are problem solvers. When my clients had concerns and issues, (lets face it all loan transactions have the potential for issues) they handled them quickly and efficiently. Communication is great. ... READ MORE Matthew Morris Realtor
Jeff has been a pleasure to work with since I met him years ago. Anytime I have needed anything or have had questions he has always answered my phone calls or text right away and I really appreciate that. He's always accessible. In this business communication is key and Jeff ... READ MORE Melissa Vargas Melissa Vargas Realtor
My husband and I decided we wanted to get preapproved and begin looking at homes to purchase. The application at AmeriFirst was easy and quick to complete on-line. Jeff and his team quickly responded and we were pre-approved in just a couple of days! Thanks Jeff! Fran Morgan Realtor
Jeff Cruz is a phenomenal Loan Officer/Manager. In the transactions that I have closed with him, my clients have been very satisfied as Jeff and his team keep the line of communication open and on point. He is very professional, and understands what it takes to get the job done to close on time. Shannon Miller Shannon Miller Real Estate Partner @ Trinidad Realty

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