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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.

See what people are saying about us

Would not recommend under any circumstances. Other lengthy review was deleted John Turner Director of Operations
Jeff is very nice and helped me in timely closure and lowest interest rate. Srivenkata Prattipati Senior Manager
I can't recommend Jeff strongly enough. I am a recent first time home buyer and knew next to nothing about the home buying process when I started on my journey a year ago. Jeff sat down with me and explained the whole process to me, answering my many questions along the way. It ... READ MORE Lisa Steelman Healthcare Consultant
Jeffrey Cruz and his team did an outstanding job with our mortgage refinance. He was very knowledgeable and answered all of our questions. His team stayed on top of all the paperwork that was necessary and was easy to work with. I would definitely recommend Jeffrey Cruz to my friends and family. J.Calata
Jeff and his team were incredibly helpful through the re-finance process. It was our first time re-financing a home and his team was helpful through every step of the process. Anonymous
Jeff was absolutely great. He was very involved in making sure you felt comfortable with making the biggest decision of your life. Jeff will make sure you get the lowest rate and the best loan for your new home. I would definitely recommend him. Eric Matos Officer
Jeffrey Cruz and his team did an amazing job! I am a first time home buyer and Jeffrey told me ALL my options and all the information I needed since I came into this not knowing how this process worked. Him and his team were there for me since day one answering all my questions, making ... READ MORE Angela Leon Business Analyst
Knowing that I can reach out to an LO on weekends or evenings and get a response is huge and Jeff and Amerifirst do just that. Mario Martinez Realtor
This is the third time we have used Jeff to finance our home, and as always he has been great to work with. I would recommend him wholeheartedly. S Shahan
Mr. Jeffrey Cruz and his staff were very professional and efficient throughout the entire process. I highly recommend his expertise particularly dealing with the military VA loan application. Nelson Rodriguez Director of Children Services
From the beginning of getting my home loan Jeff and his team were so helpful. Even more during the whole process and any time I needed any questions or clarification they were literally one call away. During the whole process until the end they made sure to make me feel so comfortable ... READ MORE Angela Leon First Time Home Buyer
This is the second time we've used Jeff for our mortgage. We had a great experience both times! Olivia Bustos Repeat Client
Jeff and his team provide superior service, go above and beyond and made sure I was well informed in the process. This was my 2nd loan with them. Crystal Barnjum
10! Constant Communication Dina Murphy Realtor
Jeff and Arnold were fantastic through our entire home buying experience. They were very communicative through every step of the process and were always extremely responsive whenever we had questions Johnathan Seward
Jeff and his team were extremely easy to work with and we closed 2 weeks early which was a pleasant surprise. Harland Valiquette
I went with jeff and team for the personal experience versus working with a loan company where you are placed in a call center and never speak to the same person twice. Jeff's level of service was excellent. Harland Valiquette
Jeff and his team did a great job walking us through the lending process. As first time homebuyers we had no clue what to expect and had so many questions. Jeff’s assistant, Morgan Cox, was and is a phenomenal and very smart person. She was exceptionally helpful and answered ... READ MORE Melissa S Ybarra
Jeff and Morgan did a great job. They took the time to make sure our complex deal went through. They went above and beyond to get us a positive outcome. They are awesome. Stephen Batchelor Home Buyer
They were able to lock the lowest interest and they offered us the best service in the entire process. Great job and thank you for making our dreams come true. Yulimar Gutierrez Yulimar Gutierrez Case Manager
From the beginning of the home buying process until the very end, Jeff Cruz's team made it a very simple, smooth process! Always in constant communication and handle all obstacles with ease! A BIG THANK YOU to Morgan Cox for always answering the phone and answering any questions I ... READ MORE Ryan Villarreal Realtor
Working with Jeff was simply put “Easy”!! From the uploading of our documents, to the all hours of the day availability to ask questions and the quickness of the well documented process of getting our loan. Mike
We have used Jeff and his team on multiple occasions and they have always provided excellent service and communication. We will continue to use them for any future needs and we always recommend them to our friends and family. Vanessa Valdez
Jeffrey Cruz and his team were a vital part of helping me get the home of my dreams!! He got me pre-approved on a weekend, responded very quickly to all my dumb questions and followed up multiple times a week throughout the grueling contract process. Even with all the delays due to ... READ MORE Ashlea Ma Ashlea Ma Legal Assistant
Jeff Cruz and his team are awesome! They were extremely helpful and made my first time home buying experience easy and smooth! I would definitely recommend to my friends and family. Samantha Saenz First Time Home Buyer
My recent purchase of a property in Texas proved to be very difficult. Jeff and Morgan worked long and hard to help make my dream of returning home to Texas a reality. Thank you for all the hard work and encouragement. Jan Jarmer Retired Grandma
Jeff and his team kept myself as buyers agent, the listing agent and title company informed with regular updates as to the status of the loan. Norma McClelland Realtor
Jeff was awesome from the start. He is meticulous but funny in a way that makes you want to get everything you need to get the job done. This is the fastest closing time I have ever had (bought and sold over 10 properties in the last 25 yrs.). If you want and need a loan Jeff is ... READ MORE George Wester Retired
Jeff is always available to send approval letters after hours. He is great at answering phone calls and responding quickly. I greatly appreciate everything he does. Shelly S.Williams Realtor
Throughout the home buying process Jeff was awesome to work with. His expertise and patience made the process smooth and easy. James Gibbons Service Manager
Jeff with Amerifirst was great working with us on the purchase of our home. There were things thrown at us left and right and Jeff was always there to help us through. I highly recommend him and his team. Jaime Weddell Homeowner
Jeff, Morgan and the rest of the team were absolutely Amazing! They were always easy to reach and answer questions. Morgan did an outstanding job at getting us through all the hoops! They have my recommendation Laura Zuniga Home Buyer
Above and beyond is an understatement! You guys were able to get my client's loan done when others could not. Jeff and his team are truly what people should be trying to emulate in this business. Thank you for everything! Rickey Shea Realtor
Jeff was very helpful and patient throughout the entire process. He went the extra mile when others didn't in order to ensure that I can close on the property on time. Theobald Thang VA Buyer
Working with Jeff and his team was a super smooth and easy process! My husband and I were first time home buyers and very nervous about the process. Jeff and Alicia made us feel very comfortable and educated us on the whole process. They made sure to check in with us during the process ... READ MORE Kirsten Yanez
Amazing staff, that is very personable. Helped us to understand everything from step A to Z. Dalton Boothe First Time Home Buyer
Excellent. I am very satisfied with the level of expertise and commitment received. James Gibbons
Yes, very responsive and always helpful. I rate Jeff and his team a 10. Alyssa Olivarez Realtor
Jeff was very knowledgeable and supportive in the process. Very Satisfied and would recommend to my family and friends. Nereida Zaragoza First Time Home Buyer
Purchasing a home can be stressful and overwhelming but working with Jeff made this process less of that for me. He was always available for any questions or concerns that came up. His knowledge and expertise got us through it all! Jennifer Enriquez Home Buyer
Jeff was always on top of whatever paperwork was being requested and understood that life still happens while preparing to buy a house. When I wasn’t able to provide paperwork immediately he understood and help keep things rolling despite this. Communication is key during this ... READ MORE Adam Schrage
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

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