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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 / 4.25% Interest
  • Principal & Interest $949
  • Property Tax $250
  • Homeowners Insurance $58
  • Mortgage Insurance $84

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.


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
My wife and I went through Paul to purchase our new home. Our real estate agent recommended him. We found Paul to be professional, knowledgeable and always helpful. He and his staff were available to answer questions and moved our loan process through without a hitch. We would ... READ MORE Jim Dillahunty
Paul kept me informed of the whole process as things went along. He got the best rates for me and answered all my questions. I highly recommend Paul and would definitely use his services again. He and the others in his office were a real pleasure to do business with.' style='font-weight: bold' target='_blank'>READ MORE Alyce Mayer Admin. Asst., Donor Network of AZ, HLA Lab
We, my wife Eleanor and I are very pleased to recommend Mr. Paul Paliiscak and his professional team of associates. From the get-go Mr Paliiscak was very attentive to the processing of our loan. We were given time lines for completion of our transactions and Mr Paliiscak called through ... READ MORE Peter Garcia Jr Retired Educator
Paul is extremely good at his profession! Not only is he very helpful and friendly, but also his knowledge and ownership of my case was comforting while going through a complicated process. I would never use anyone but Paul for these matters. Curt McKinney Firefighter Paramedic
Paul was very good at the mortgage process, explaining each step. The transaction was made easy, with the e-sign process. Thanks Paul! Brian Johnson Sales Representative at Stryker
Working with Paul was such a fantastic experience. He is very knowledgeable and is so easy to work with. Paul does exactly what he says he is going to do. I had been working with another lender and it was very stressful, a friend recommended that I call Paul, I called him and told ... READ MORE Laura Hall Administrative Assistant
I am so grateful to my realtor Chad Arend for recommending Paul and his team to do business with. As a first time home buyer, Paul was very thorough when explaining the process. Paul's advise put me at ease that I wasn't locking myself into something that I couldn't afford ... READ MORE Kelly Chapman Veterinary Technician
Paul helped me through the numerous steps required to obtain a mortgage. He showed great patience with me since I am not computer literate. Dianne M Sjostedt
Paul and his staff are wonderful and I would highly recommend them for their professionalism and promptness of services. I have no complaints and will use them again! Jennifer Keiser Social Worker
Great job. Paul patiently explained every aspect of the transaction and costs. He explored all the avenues available to us and together we selected the best option. His team was efficient and the electronic signature process worked flawlessly. I highly recommend Paul and we will be ... READ MORE Greg Lundberg Plant Manager
Thank you Paul for all the great work you did for us! We're all moved in and enjoying the new house. We will definitely use you again for any future purchases. Mark Bozzell Mark Bozzell Air Ambulance Pilot
I offer the highest praise for the excellent job Paul Paliscak did as a professional Senior Mortgage Loan Officer. After I decided to purchase a property in Overgaard AZ the first deal fell through because of stinky skunk issues! No problem - Paul worked with me and obtained ... READ MORE Vivia Strang Arizona Historian
Paul was wonderful to deal with as he addressed every question, comment and concern I had in an informative and timely manner. I strongly recommend Paul and Amerifirst for your financing needs! Kerin A. MacWilliams Kerin A. MacWilliams Vice President of Operations
We were out of the state during most of the loan process and Paul took us through each step either by e- mail or phone. With his help we were able to complete gathering all of the different documents and kinds of information we needed to accomplish getting our loan. Linda Kay Cheroske Linda Kay Cheroske
I have known Paul for about 15 years he has helped me in every one of my home purchases and helped my fiancée as well as her sister there are no words to describe how helpful he was from helping me repair my credit to selling to purchasing people will say I know one of the best ... READ MORE Esequiel soto Esequiel soto
I was very impressed with Paul. He was very helpful with guiding us through a process that was completely new to me and my wife. He was quick to answer any questions we had and made the process was smooth as possible. Would definitely use again and recommend him to anyone else ... READ MORE Shaun A Bowman
It had been thirty-two years since our last house purchase and boy had things gotten more complex. A good loan officer navigates and educates you through the home purchase process with as little pain as possible. Loan officer Paul Paliscak of AmeriFirst Financial did just that for my ... READ MORE Paul Ruske Systems Support Specialist
We have bought and sold three houses with Paul. I can not say enough about having a loan officer that you can trust. Paul is a get the job done kind of guy. He always responds quickly. We look to him for guidance. He is level headed and always knows just what the market is doing. ... READ MORE Mandy Sanchez First grade teacher
I would highly recommend Paul to all my family, friends, and acquaintances. Paul is thorough, meticulous, and gets matters handled quickly. He was always available to answer any questions or concerns I had...including on the weekends. Thanks for a job well done! Greatly appreciate you!!! Tammy K. Stratton Tammy K. Stratton Registered Dental Hygienist
We have worked with Paul on multiple real estate purchases. Our last purchase involved several starts and stops as we negotiated properties. Paul never sweats the small stuff and was flexible as we worked to find the right property. He is always positive and willing to do what it takes ... READ MORE Greg and Susan Smith It Director
Paul did a great job getting my house financed without any issues, prompt and closed early. I will refer Paul to others. Sreve Ladehoff I.t. Manager
Paul did a wonderful job handling our home loan. He and Berena did a great job making the process appear to be seamless. Thank you, Sheila Sheila Palkowski Customer
Professional and quick to respond......would recommend Bruce menninga Branch manager
Paul is very knowledgeable and helpful. Always followed up on things. Made sure I understood everything. Got me the best mortgage possible. Carla Carroll
This was an absolutely wonderful experience to work with Paul and his staff on the purchase of my home. Very knowledgeable, responsive and informed throughout the entire process. I will definitely be using him and Amerifirst financial with any future home purchase and I would highly ... READ MORE Ron Abelar Director of manufacturing
Paul has worked with us on 3 properties in the last 5 years. He is always available for questions, and has given good advise on many aspects of financing. Polite, and very professional are two words i would use to describe him. I would recomend highly recommend him to any one. Dean Collins Real estate investor.p
I really enjoyed working with Paul as he is a very dedicated to helping individuals who are purchasing a home and to first time buyers as well. He helped us out with all the details and was very efficient and professional throughout the process. I would highly recommend Paul Paliscak ... READ MORE Richard Przybylowski Consumer/Buyer
I can not thank Paul and his team enough for the job they did and how thoughtful they were in obtaining my mortgage. The process was easy and Paul kept me informed through every step of the way! Thanks Paul!!! AJ DeNardo AJ DeNardo Retired
Paul was recommended by a realtor friend in the NW Valley. I was impressed from the first time we spoke. Paul has excellent mortgage market knowledge and his response time was outstanding! I simply did not find myself waiting on Paul...ever. He always answered the phone when I had ... READ MORE Dusty Whitesell Dusty Whitesell Chief Evangelist
While the big banks were unable to provide me a loan on an investment property Paul and his team easily secured needed financing for a condo in a well established HOA. Highly recommended! Paul and his team were always timely and willing to answer questions at any time. My loan was ... READ MORE Bill
Fantastic job, well done, professional, and accomplished in a timely manner. Thanks Paul to you and your team. Gary Morris & Phil Marsala
Paul did an amazing job at answering my calls at anytime, answering my questions days and his staff being on too of everything. Paul and his team were great and did their best with me and my home purchase. Thank you Amerifirst for my first home buying experience. Kayla malone Buyer
This was my first time working with Paul and was pleased with the entire process. He is very knowledgeable and was always looking out for my interests. He explained everything step by step. I would not hesitate to recommend him to anyone. A great experience...even through all the paperwork. Bonnie Steele
I highly recommend Paul Paliscak for financial information when needing a home mortgage. Paul puts his clients first with his communication skills. He kept us updated and answered all our questions in a timely manner. He would call to see if we had any concerns and encourage us to call ... READ MORE Jim Roberson
This is our second property we have purchased through Paul Plaiscak. The first property we purchased entailed 2 businesses, 8 rentals, an active duty person on the account and a self employed. He was amazing at getting the loan completed. When the average loan person can't ... READ MORE Juli Haws Supervisory Dietitian
It is our great pleasure to express our opinion and thoughts about Mr Paul Paliscak. He contacted us immediately and swiftly forged ahead with the tasks at hand for our purchase of our home. Always available and extremely helpful to answer any questions we might have for the closing ... READ MORE Mr & Mrs Bruce Baughman Home Owners
I work for a mortgage company but wanted privacy so I decided to have Paul help me with the loan for the purchase of my home. It was a difficult loan and I wanted to use my commission for down payment. Paul not only got my loan approved but also competed a fast close of escrow. He kept ... READ MORE DIANA VERDUGO MORTGAGE UNDERWERITER / REAL ESTATE BROKER
Paul and his assistants were able to complete the loan approval process in such a short time in spite of my difficulties with emails and computers that the purchase process of my home closed a week earlier than expected. Well done.☺ Joseph Juharos
I have used Paul for two refis in the past 2 years. I have learned that he takes care to cover all the details so the process goes smoothly. Once it is his hands, I have confidence that all the deadlines involved will be met. I would gladly recommend Paul Paliscak to family and friends. Susan Angelo Susan Angelo
I would recommend Paul, him and his assistant would always have a quick response to any of my questions. They are both very friendly. Denise Guzman
I highly recommend Paul . He was very helpful and patient in helping me get everything together for our new home. He was always available when I needed to ask him a question. He will do a good job for you Charles and Connie Kesner Home Biuer
I highly recommend Paul . He was very helpful and patient in helping me get everything together for our new home. He was always available when I needed to ask him a question. He will do a good job for you Charles and Connie Kesner Home Biuer
Paul did an excellent job for us. He was prompt and professional. He was always willing to help and explain available products and solutions that would work best for us. I would recommend him to help any buyer. Steve Smith Salesman
I always preferred to work with Paul when I was a Realtor so of course I called him for my own personal refinance. I don't think Paul ever misses a detail! Thanks again, Juliet Juliet Jay
Paul is an awesome guy to work with. He always returned our calls by the end of the day. Always had an answer to our questions. Always treated my wife and I like a true businessman should. We have recommended Paul to our friends and family and will continue to do so. Jesse Lackey Home Buyer
I have had the good fortune to have bought and sold multiple new and lived in homes in several different states over the past 45 years. Most have gone relatively smoothly but a few have had significant failures when dealing with loan agent and institutions. Since living in Arizona, ... READ MORE Michael J. Hanna Retired
All I can say is what a pleasure it has been working with Paul the last 5 years. It is so important to direct your client to a person that is professional and knows the business. Paul is the best and gets all important questions answered up front so there are no issues ounce you get ... READ MORE Garry A Kort Sr. Garry A Kort Sr. ERA Real Estate Agent Payson Arizona
I love working with Paul and his team because I can always expect a prompt response to my calls and emails, a loan that always closes on the scheduled COE date (or closes early) and just a great anxiety free experience. Zelma Lafebre Realtor
We have worked with Paul on both sides. We bought and sold a house with him. He is honest and trustworthy. After some of the past experiences that we had, we never would have thought that we would trust a person in the real estate business. Paul has proved us wrong! He is honest ... READ MORE Amanda Sanchez Home owner
Paul was recommended to me by my realtor when I began shopping for my "forever" home. He was professional, knowledgeable, and very easy to access. When, nearly through the process, I had to back out of my purchase due to a family crisis, he handled everything with grace and ... READ MORE Karol Morse Community Health Education Specialist, Ret.
Paul did a fabulous job in helping us obtain our mortgage on our new home this past June. He is responsive, always positive and ready to help, giving us regular updates along the way! By far, the best mortgage person we have ever used and we would highly recommend him. Thanks for everything Paul! Linda Sanchez retired
I have worked with Paul and his team at AmeriFirst for approx. 15 years, closing loans that he has generated in our escrow transactions. I have found him to be the utmost professional and the efficiency & care he takes with his clients assures a smooth and timely closing ! If you ... READ MORE Shelley Moore Shelley Moore Branch Mgr/Escrow Officer
Paul's incredible attention to details and especially in his ability to run this branch of AmeriFirst is second to none. I can always count on him and his branch to get the job done. Marty Carpenter Realtor
I have had the pleasure of working with Paul for over 5 years and I have found him to be the best lender I have ever worked with. I have been a realtor for over 32 years and have never met a more professional, efficient and conscientious loan officer . He's like working directly ... READ MORE Barbara Reed Barbara Reed Realtor with Realty ONE Group
I just want to say Thanks to Paul and his team in helping me purchase my first home. I've tried other in the past but with no response, so if you're thinking of purchasing a home now or in the future then I recommend Paul Paliscak and his team . They will be there for you ... READ MORE Julia Carter Grocery stocker

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