ABOUT JOHN TODARO
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.
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.
- Principal & Interest $0
- Property Tax $0
- Homeowners Insurance $0
- Mortgage Insurance $0
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.
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.
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
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!Physical Therapist
John is extremely knowledgeable, helpful and Professional. He is also always available and ready to deliver whatever is neededConsultant
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, JohnNew 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 MOREProbate 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 MOREDirector of Sales
John was very attentive and took care of my refinance in a timely manner and had no surprises
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 MOREClient 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 MOREOffice 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 MOREOffice 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 MOREVeteran