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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.


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
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

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