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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

If I could give John 10 stars I would in a heart beat. This man is on top of all his accounts. He treated me like I was his only customer. He is the most honest, caring, professional I have met. He & my Realtor (Debbie Newton) make a rock star TEAM! I never had to ask for an ... READ MORE Susanna Vicars
We have used John in the past when we first purchased our home. He was spectacular, fast working and answered any questions we had. Then when rates dropped we thought it would be great to refinance. We have had others reach out to us but when calling John he new exactly what we were ... READ MORE Arne & Rondajoe Nord
JT was awesome!!! Kept us very Informed. Walked us through the whole process step by step and made it very easy to understand each stage. Wouldn’t have trusted anyone else! Alexander Nickolaou Alexander Nickolaou
First off I want thank John Todaro for working so hard to get my loan done. I am self employed and it took a lot of work to get all the info for my loan done. Other people would have passed on it but John did not. He pushed thru the obstacles and got it done. Thank you very much. I ... READ MORE John Edmunds
John helped with my move from CA to AZ and made the finances easy! He was always on top of the documents we needed as well as staying on top of our CA realtors and escrow company. We had two escrows gong on at once and he made sure to be involved with both to make sure we closed on ... READ MORE Jeremy McKellep Power Plant Manager
J.T. Is The Man! Completely knowledgeable, enthusiastic, and made my life so much easier. So glad he was referred to me, he made the loan process totally understandable. I’ll be working with him again I’m certain. Steven Zeldin C.E.O. The Zeldini Collective
Always a pleasure working with with John and his team. This is the 2nd time I have worked with him and won't be the last. I always recommend everyone to him and tell them my great experiences. John and his team make everything painless and leave no details out. I love working with ... READ MORE Mike Grimes
Simply Put.... John Todaro is one of the best in his line of work. Ive had a chance to work with a few loan officers, but John will be the last one I'll be working with if I have anything to say about it. Thank you John. Thank you Luc for hanging in there with us. We are all ... READ MORE James MD Furlong Owner at HighTower Communications
I was introduced to John through our realtor. What a lucky break! We did not think there would be a way to finance our home purchase as we had recently retired. John worked hard to find a way to make it happen. He worked 24 x7 and made the improbable happen, facilitating everything ... READ MORE Kevin bajus
As first time home buyers, John provided clear communication and assistance throughout the entire process. He was always available to answer questions in a timely manner and make this process as smooth as possible. Definitely recommend working with John! Jordan McCann Physical Therapist
John is extremely knowledgeable, helpful and Professional. He is also always available and ready to deliver whatever is needed Patrick Flanery Consultant
John made my homebuying experience a joy. I was worried I would not be able to purchase my home. John got me through all of the red tape and I am now a new homeowner...I am very pleased and would work with John again in the future should I need to purchase a new house. Thanks, John S Heimbigner New Homeowner
I could not have asked for a better experience when purchasing my house. John was recommended to me by a friend when I was wanting to purchase a home. John was always in touch with me and kept me up to date regularly with the progress in obtaining my mortgage loan. He worked late ... READ MORE Maridel Soileau Probate Registrar
John worked very closely with my wife and I on our refinance. He did a terrific job managing the process, with a number of factors happening along the way. Unfortunately with Covid I lost my employment but with other income John was able to help us qualify for a very good interest ... READ MORE Jim Wittry Director of Sales
John was very attentive and took care of my refinance in a timely manner and had no surprises Dennis Bowden
Working with John was a pleasure. He was so helpful with bringing my credit score up and preparing me to purchase a home. He was very easy to contact and quick to respond if left a message. He was easy to talk to and answered any questions I had. Whether big or small he made sure to ... READ MORE Sydney Marr Sydney Marr Client of John
I cannot begin to explain how awesome and enjoyable it has been working John Todaro for a second time! John and his team are very responsive, knowledgeable, and efficient in everything they do. It definitely is nice having a peace of mind knowing that your are in good hands and ... READ MORE Danielle Lajeunesse Office Manager/Human Resoruces
I cannot begin to explain how awesome and enjoyable it has been working John Todaro for a second time! John and his team are very responsive, knowledgeable, and efficient in everything they do. It definitely is nice having a peace of mind knowing that your are in good hands and ... READ MORE Danielle Lajeunesse Office Manager/Human Resources
When my husband and I decided to buy a house, our Realtor recommended JT to us to help us situate our home loan. My husband is active duty and I am a Veteran, so we have used the VA Home Loan, which JT was extremely helpful with. Words cannot do this justice enough because he has gone ... READ MORE Tiffany Lockwood Veteran

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