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One stop for ALL your purchase & refinance needs

  • Conventional, FHA, VA, USDA, Jumbo, HARP, HELOCs
  • 100% Financing Options for Primary Residences
  • Up to 90% Financing Options for SECOND HOMES!!!
  • Variety of down payment assistance programs
  • Manufactured homes
  • Investment home financing
  • Fast pre-qualifications
  • Great Rates / Low Monthly Payments
  • No obligation quotes
  • Fast, courteous, & professional service!
  • Licensed, Knowledgeable Mortgage Industry Expert
  • Available Anytime - 7 days/week.

***Your Close of Escrow will not be missed!

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.


Paul and his team were great. walked me through every step with ease. the team was very professional and quick at their work, I will recommend them to anyone who needs their help. I thank them for a great job. daniel hautz buyer
Paul and staff demonstrated outstanding knowledge and professionalism during our purchase process. Paul had a great deal of local knowledge of the rural area in which we made our purchase and was able to not only help with the loan process but took the time to answer questions and ... READ MORE Darwin H Johnson Retired
He did a very good job he was very professional handled everything with care I highly recommended Paul Paliscak. Sincerely Cheryl Norton... Cheryl Norton
Would highly recommend Paul to anyone looking to purchase or refinance. Mary Lou Fuentez Escrow Officer.
Paul is amazing!! Very helpful and informative, especially for a first time buyer like me! Him and his team gave me everything I needed and made the process so quick and easy!! Plus even Paul’s recommendation for a realtor and insurance was amazing! Great guy and great company!! Valerie Foien Accountant
I was a first time buyer and I could not have picked a better loan officer. Paul was extremely patient and helpful throughout the whole process. He returned every phone call and email, answering all of my questions (and I had many). His whole team, in fact, at Amerifirst were all a ... READ MORE Leah Admin
My wife Beth Karkos and I really appreciate the extra effort Paul and Berena did on our behalf to help us get our house. We would highly recommend them to anyone needing a loan officer. Terry L. Karkos
Paul and his team kept my wife and I informed throughout the financing experience. His proactive approach allowed my wife and I to focus on other matters related to the purchase of our house and moving. I am glad that we Paul was recommended to us and that we engaged his services. Kyle Miller Client
I purchased a second home in Show Low. Paul Paliscak, AmeriFirst Financial, made this process so simple. It was always clear what and when each item was needed. His communication was flawless. The puchase was made without a single issue. Highly recommended!!! Rosemary Wyman New Homeowner!
Purchasing a home thru Paul was an amazing and stress free experience. He keep us informed and updated thru the process. We were able to contact him immediately, and get pre-qualified while in the realtors office. He was able to find us the best interest rate and advise us when to ... READ MORE Richard M Petranovich
Paul and his associates worked very diligently on my loan and special circumstances. Without their hard work and patience I wouldn’t be moving into my new house! Thank you Paul! Connie Collman Nurse Practitioner
My wife Effie and I have used Paul twice and couldn't be more please. We would never use anyone else with the success we've had with Paul and his brilliant team. Paul has always gone out of his way to help us when needed. Again we want to thank Paul and his team for a great ... READ MORE Michael Hicks Thankfully Retired
Paul is by far the best lender I have EVER worked with personally or professionally...I just closed my second personal loan with him not to mention the numerous clients of mine he has helped buy homes. Margaret (Maggie) Dahlgren Margaret (Maggie) Dahlgren REALTOR
You will not find a better person to work with on your home mortgage than Paul. I needed a quick close to my new home purchase and Paul was able to expedite the process and meet our close date... even though he and his team needed to work late into the evening. Thank you Paul. Tom McLean V.P., Research and Development, Medical Devices
Paul did a great job of keeping us informed, and got us a great rate for our vacation home! Brent Foien home buyer
Paul is everything and more that you could find in a loan officer. He is honest, efficient, fast, and only there to help you. Look no further for your needs. Gay Tenney Home owner
Paul and Berena were amazing during my refi process! I went with Paul for the purchase of my home in 2011 and again for my refi in 2019. I have and will continue to recommend people to him. He has prompt, thorough and knowledgeable with what he does. Thank you Paul and Berena for ... READ MORE Amy Solis Project Coordinator
The entire transaction was conducted with Paul and his team with the upmost professionalism and completeness in the time line of the transaction and the events that would take place. Paul provided the assurances as the transaction moved to closing. Thank you Paul for the ... READ MORE Barry Zeigler New Home Owner
Working with Paul to purchase my home was a great experience. He is very easy to talk with, understanding my wants and needs to make this financial transaction work for me. He is was quick to gather the information he needed get my loan approved. I would recommend Paul and his team to ... READ MORE John Campagna
After trying several other loan officers, I found Paul to be very knowledgeable and the most competent. He was always patient and willing to answer my questions through my home buying process. He kept me updated on each step. I recommend him to anyone purchasing a home. He will ... READ MORE Merrilee
My realtor recommended Paul to me and it was a good thing she did. Paul was very easy to talk to and an excellent communicator. He was always on top of the loan, and told me all the aspects necessary. He always calls back within a reasonable time when you have a question. He worked ... READ MORE Tonnie L Casey Biologist, Petrified Forest National Park
We never thought we would be buying another home . Until unfortunately there was a fire and we lost our one of our favorite places in Overgaard . We came into contact with Paul when searching for another home . And that buying experience that Paul helped us to achieve . Was so ... READ MORE Larry g holston Retired
Paul Paliscak made getting a loan for our second home painless. He is experienced, knowledgeable and took the time to explain the loan process, updating us each step along the way getting it approved. He was available even during off hours throughout the process. I would recommend ... READ MORE Jim and Janet Vollmer
Paul is a great mortgage loan executive who works hard to help his clients through the loan process every step of the way, keeps you informed, and provides great customer service! It was a complete pleasure working with Paul and his assistant and we highly recommend him to anyone ... READ MORE Robert & Dianne Robinson
Paul Paliscak did a great job getting my loan approved, processed and completed on time. I would recommend him highly. Dave Goodrich
Paul actually does what he says he will. He completed the funding of the loan and everything on his end roughly 20 days Early! He did a fantastic job underwriting didn't even contact me for further documentation. He uses esign which helps speed the process along. He was an awesome ... READ MORE Nichlos Davis Nichlos Davis The Best of the Best
Paul was a great loan guy, walking with us thru every step of the process. He was also very patient with us when it came to explaining the loan docs to us, we will be using him and his company again on our next major purchase. Thanks Paul you were great. Michael Caetano Barrower
Paul and his staff did a fantastic job in helping us obtain a loan and be able to purchase a condo. He went above and beyond the norm to assist us in getting our paperwork done. He was always available to answer phone, text or e-mails. We appreciate all that he did and would ... READ MORE Jim McKowan
I was hopeless about getting a mortgage with bad experiences in the past. Paul with Amerfirst changed that for me and my family. The transition from renting a house to owning a house happened so fast and smooth that I would recommend Paul to anyone struggling to find the right mortgage for them. Kayla McKernan Operations Supervisor
Paul and his team did an outstanding job financing our home purchase! We were under a strict timeline and the loan closed not only by our target date but a day early. Paul let us know exactly what he needed to close and kept us in the loop as to the status of the entire process. We ... READ MORE Dean Randall Operations Manager - Eversana LLC
Paul was absolutely fantastic in helping me obtain my home loan. He went the extra mile to ensure that things were straight and squared away, before sending everything to title. I would Highly recommend Paul and The Amerifirst Team to anybody wishing to purchase a home. Steven Nouzovsky Retired farm equip mechanic
Paul was exceptional in our home purchasing experience! Very professional and thorough in every aspect. I would highly recommend Paul to anyone and will definitely be using Paul for any future needs! Donovan Tubbs
Paul and his team answered questions I had. They were Informative about the hole process. They helped me when I did not think I would qualify. I'm am very pleased thank you. John cook Material handler
Paul did such an exceptional job, we don't know where to begin. From the start of buying our new home, he walked us through the process and answered every question. He worked effortlessly when an unforeseen situation arose and got us to closing as planned. We highly recommend ... READ MORE Gerald & Donna Swacker
Paul was recommended to us by our realtor when deciding to purchase a second vacation home. He prequalified us over the phone on a Sunday evening and was instrumental in assisting us with a quick 30 day close! It was one of the smoothest home purchases we have gone through! Paul was ... READ MORE Lori Bieberle Residential Customer - second vacation home mortgage
Paul helped us with every step in financing a third investment home . He answered every question we had . Offered suggestions if we asked for them. Reuben and April Wiseman Self Employed
I had a smooth and very well arranged process in my property purchase. Paul did a great job and not having a computer he went the extra mile for me to keep informed and everything was handled well with the corspondence with title company. Hilda Inness Customer
Paul is a knowledegable and very thorough Financial Loan Officer. He has helped us many times in the past. He is very quick as well on getting back to us and keeping us updated. He is always reliable. He has even helped friends we referred. Rosalyn Smith Residential Customer-home mortgage-refinance
I have to thank Paul, he was committed in helping me get this loan. He would go out of he’s way to explain things, I didn’t understand and for that I’m thankful Gerald Reyes Gerald Reyeseeww
I highly recommend Paul for guiding you through the mortgage process. Not only is he knowledgeable and an expert in his field, he is very friendly and helpful as well. You can’t go wrong using Paul as your mortgage broker. We highly recommend him. Gwen and Trace Lowe
Very efficient and timely for my refinance of a rental property. Sharon K. Sanders
Paul was amazing! He kept in close communication with us at all times and was never too busy to stop and explain the whole process to us. It was our first home purchase and he made it simple and stress free. I would highly recommend Paul to everyone! Robert Paulson Sales Manager Earnhardt Hyundai
Paul was 100% upfront with what I could and couldn’t do. He worked around the clock to make sure everything was right for me. I would recommend him to anyone! You wouldn’t be disappointed with his service! William Slaton Truck driver
Paul was very professional and extremely helpful. He always made it a point to be available when I had questions and explained things in depth and easy to understand. The entire financing process was stress free and done so quickly. I highly recommend Paul and his team at AmeriFirst Financial. Sunshine Naoh
From the beginning of my loan process to the very end I was amazed at how fast, professional, and courteous Paul and his staff are. They informed me of every step of the loan process, and what it entailed. Also, I received the best interest-rate I could have gotten for this loan. ... READ MORE Marty Warren Marty Warren Marty Warren
Paul is extremely thorough and always on top of everything regarding the loan process. We feel comfortable that our loan was being handled in the best possible way. Pamela A Myers Homebuyer
Thank you Paul for putting all three deals together and making everything run smoothly. Your professionalism, communication with Title, and patience with all of us has been so appreciated through the process. You sure know how to get the job done! Thank you. Kimberly Sanders Kimberly Sanders Real estate sales agent
Working with Paul and his staff was a pleasure. He kept us informed every step of the process. His advice was important to us as was his experience. He was available to us by phone and email to answer all our questions. THOMAS LASATER
Paul and his team are very professional. He is kind and patient. I wouldn't hesitate to work with him in the future. Gary Jensen Aircraft Structure Mechanic
Very thorough. Kept me informed all along the way. Would highly recommend Mike Church Home Owner
Paul was there every step of the way through the entire process of obtaining my loan. He explained everything which made the process effortless on my part. He was readily available to answer any and all questions I had and always returned my calls promptly. I highly recommend Paul and ... READ MORE Joel rogers
Paul was very good at explaining the loan process as it happened. J Farris Customer
Paul was very easy to work with and always kept me up to date. I would recommend anyone to him as we have been using him in the family for years. Mark Castleman
Paul was outstanding from the get go. He was very detailed and thorough, explaining each step of the process and providing updates in a very timely manner. He also took a few of our calls during off hours and went out of his way to accommodate us. Initially I thought the process was ... READ MORE Terrence Simons Engineer
We were recommended to Paul by a family member, after having a bad experience with another lender. The service was a night and day difference with his quick responses and knowledgeable guidance through the entire process. He was even able to keep us on our original closing date with ... READ MORE Stacie Castorena
Paul was very knowledgeable and professional and always had the time to answer any questions I had. He made the home buying experience simple to me, and I am glad I had him on my side. Thank you Paul! Michael Jana
Paul is very conscientious in his work as a loan officer, he makes sure all the information gathered is in order. He came to be of service to me as a client even on the week end to ensure my documents could be processed in a timely manner. With high regards , Lynette Fisher Lynette A Fisher Lynette A Fisher
Paul and his staff were incredible. We had a very unusual situation but worked through all the loopholes. Very appreciative. Made our new financial responsibilities very easy to handle. Highly recommend his services. Treated us like family!!!! Dr. GSchmidtke gerard m schmidtke
We recently purchased a second home in Arizona using a 1031 exchange and I have to say Paul's help and guidance were essential to the process. With Paul and his team's help we bought our retirement home in the beautiful White Mountains of Arizona and could not be more grateful ... READ MORE Brooke & Ann Meyers
I would highly recommend Paul Paliscak for your Morgage Loan Officer. He is very thorough and has the ability to explain in detail what is required to qualify for a loan. He is competent and energetic to process and provide you with a pre-qualification in a timely matter. Loan ... READ MORE Jacque White Jacque White Home buyer
The experience of buying a house was very easy with Paul and team. They were very orgainized and communicated on a regular basis to make sure everything was done. Thank you. Kim King General Manager
Paul was incredibly knowledgeable, able to answer all of my questions and put me in a position to get the best rate. He and his team were very prompt with processing the paperwork and made sure my loan stayed on track. I was able to close in 30 days no sweat. Highly recommended! Jordan Slattery
I had a great experience with Paul, he work very hard for me and made everything work out for me to purchase my home. He is very professional and helpful and ver understanding. I would recommend Paul to anyone. He is five stars. Sharon Moses Customer
Paul Paliscak was absolutely wonderful to work with. We surely have no problems recommending his services. We live in another state and we were purchasing property in AZ. Paul and his staff walked us through the process and stayed in contact with us either by phone or email or test ... READ MORE Kirk and Gretchen Blacklock retiring and relocating to AZ
Paul and his team was great to work with for a mortgage loan on a house we purchased in northern arizona. The process from start to finish was quick and easy. Paul answered all of our questions and we were able to close in 30 days. Karen Cook
Paul was great on getting us closed on time And we worked together to get things done Great guy to work with Dennis Yinger Dennis Yinger
Paul and his team are efficient patient and problem solvers. This is our third home we have bought through is office. Christina Haines President
From the first call to Paul to the his last call of congratulations, our experience with Paul was superb. He was friendly and easy to talk to, while being knowledgeable and professional. Several things changed in our transaction over a month’s period, but Paul cheerfully ... READ MORE Deborah Bradford
Paul did a outstanding work in our refinance from beginning to end always on top of everything and in very timely manner ,contacting us and letting us know how we were moving forward with the refinancing,appraisal and closing. Also he's assistant is very helpful. Thank You for everything. Eligio Covarrubias Inventory planer
Prompt and professional! Paul went up and beyond to assist us through the loan process. I highly recommend Paul to anyone for their financial needs! Jeffrey Stone Jeffrey Stone
Paul has not only been very helpful in getting me my new home he has also been very patient. Whenever I had a question he answered it and never made me feel like I was bothering him no matter how many I had. I am so happy he was recommended to me and I'm even happier to recommend ... READ MORE Theresa McKinney Theresa McKinney Nana of many
It was refreshing working with Paul. He was in contact and communicating throughout the process. I never had any problems reaching him or waiting for a response. I plan to work with Paul again in the near future and will recommend him to my friends. CINDY COPPENES
This is all point bulletin. There were some hurdles to get over, some issues with 401 k. To get money on down payment. Paul was able, willing and went the extra mile to assist and consistently move the process forward. With his great knowledge and persistence this may have ended in a ... READ MORE Michael G Russell Transportation manager
Paul was very efficient and answered any questions we had. It didn’t matter what day or time it was he always got back with us. For being first time home buyers he helped answer all of our questions and explained it so we would understand. Rachael Geisler Rachael Geisler
Working with Paul long distance, me beening in California and him in Arizona, he made it easy for me. At my age learning new things and how to get a mortgage. Paul and his staff made it seem easy. I get my house in Arizona. Thank you Paul for all your hard work and returning my calls ... READ MORE Isabel p. Zamora
You want this guy on your side! As a business owner, I can say with all surety Paul has the highest standards in the industry. Once you've tried the rest, switch over to the best! Best of luck and we'll be talking to you in the future for our investment needs. Kenneth Trudgeon Business Owner
The experience with Paul and AmeriFirst staff was great. I felt that my interests were always at the forefront through the entire experience. Any questions I had were answered promptly and with precision. I'm looking forward to buying my next house so that I can work with Paul and ... READ MORE Che Ortega
I have worked with Paul on two home purchases. He is very thorough, helpful, and actually truly great at what he does. I hope not to have to buy another home for a long time, but if and when that time comes I will definitely seek Paul's assistance. Tannia Marquez
Dealing with Paul was a pleasure. Professional, and a can do attitude. Entire process was smith and perfect. Thanks Chris Popke
Paul and his team took very good care of us from start to finish. He managed to get both our loans done at the same time, and closed in a timely manner. Paul kept us updated through the whole loan process, and answered any question that we had. We were very impressed that we could get ... READ MORE Alan and Dawn Parker Second Home Buyer of a Cabin in Overgarrd AZ
I have gone through the mortgage and refinancing process about eight times during my life and I must admit I received the best service from Paul. He was very understanding of our situation, with me being retired and receiving a fixed income along with some rental income. He was ... READ MORE Don and Dora Leonard retired
I’m very happy with all the help Paul gave me with my recent loan.I would recem Rusty Turney Retired
Paul Paliscak was very helpful in getting me a loan didn’t matter when I called he always answered the phone and answered any questions I had along the way he kept me informed threw out the whole process I never once felt like I was in the dark. Thanks Paul Andrew Petersen Truck driver
Paul was a super professional gentalman to work with. Dispite my whining about sending him documents, Paul was very patient with me and always right on top of things that needed attention. One thing that stood out most importantly was great communication with me, always calling and on ... READ MORE Charles lentz U.S. Marine retired
Paul and his staff were extremely helpful. They really made my first home buying experience simple and hassle free. Andrew Rominger
I have worked with Paul Paliscak on my own personal home purchases and sales over the past several years and he has always been excellent. He is professional, quick to respond to questions, knowledgeable, and very easy to talk to. I have appreciated his eagerness to be helpful and ... READ MORE Rebecca Yates Rebecca Yates Realtor
Paul Paliscak has help me and my wife 2 times now with financing our home . Paul is great he walked us through all the paper work , and always called us back if we had questions . He cares about his clients and checks back with you to make sure everything is right . Me and my wife are ... READ MORE Jace Johnson Maintenance Supervisor
One thing about Paul, he is very knowledgeable. He knows the process than anybody I know and makes this seems so effortless. Thanks. Timoteo M Caballero
Professional, persistent and responds quickly, Paul is a machine and best at what he does. I wouldn't think of going anywhere else for my mortgage needs. Thanks again!! Rick Brimhall Chiropractor
One thing about Paul, he Is very knowledgeable.. He knows and c Tim Caballero
Paul did a great job. He was very professional, knowledgeable and make my loan process very easy. I would a d will recommend him to family and friends. Karen Hokenson Manager
Mr. Paul Paliscak worked hard for us in refinancing our home. Early on he locked in an very good interest rate and offered us close guidance throughout the process. He is very professional and courteous. He never dropped the ball but instead was on top of everything every step of the ... READ MORE Helen Burke Masterson Insurance Examiner
Paul Paliscak was consistently showing kindly interest and goodwill in our dealings with him. Taking ownership of our situation, Paul provided professional and friendly service to us. His communications were timely, informative and educational. We highly recommend Paul Paliscak. Robert and Linda Shelton Clients
Paul was thorough, friendly and was on top of the process every step of the way. I have worked with other lenders in the past and none worked as hard as Paul. I would recommend him to anyone. Darrell Meister Claims
My wife and I used Paul this fall to purchase a second home in northern Arizona. Paul was excellent to work with, his experience and knowledge made the financial process a breeze. He was always available to answer any questions that we had . He would call us and explain each step of ... READ MORE Brian Boris
I can't imagine anyone doing a better job than Paul. From start to finish he made the home loan process easy and seamless for us. From getting us qualified to securing us a good rate, from loan origination to closing, he made it a very pleasant experience. You can't go wrong using Paul. David Tenney Agency Director
Paul is knowledable and a true professional. He is proactive and made the loan process go smooth. Outstanding customer service Frank Molina Developmental Manager
Paul did a fantastic job it getting my wife and I in to our first home ! Very helpful in explaining the process of getting a mortgage and prompt in returning phone calls or emails. Also answered all of our questions. Would definitely work with him in the future and recommend him to friends. Aaron Smith Aaron Smith

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