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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

After many years of renting and many years of helping others, it feels wonderful to have someone help me to achieve my dreams of having a home. Thank you sincerely Mr. Trevino, you have done an outstanding job!!! Your openness and professionalism to helping me at odd hours due to my ... READ MORE Irma Briseno CCHT
Mr. Trevino did a great job in getting us in this house. We struggled for a while, but came through for us. Thanks Mr. Trevino Cesar Gomez Lead Maintenance
Mr. Treviño helped me and my family to get the perfect loan for the purchase of our first house, we are very grateful to him and his team. Francisco Jaime Francisco Jaime Truck driver
Joe was very helpful and very friendly. And willing to go the extra mile. Great experience and highly recommend. Edward Garza Assistant manager
This being my first home purchase Joe guided me through the process from day one. Some days felt tough and extremely frustrating but when i needed reassurance or a clear understanding at any point Joe was there, He was professional and candid at the times i needed him to be. The ... READ MORE melissa j calderon Buyer
Mr. Joe Trevino is good at what he does. This is my first time buying a home and he made the process quick and easy. He was always available to answer any questions I had and was very professional from start to finish. I will definitely recommend him. Lashanda White Retired
I had the pleasure to have Joe as my lender during my first home buying process and it was the most seamless experience ever! Buying a home can be quite stressful, but having Joe to help and guide my family and I was truly a blessing. He was available at all times when needed, he ... READ MORE Valeria Flores Valeria Flores Designer II
From the start of our home buying journey, Joe was informative, pro-active, and transparent. He detailed to my partner and I what our journey will look like in multiple scenarios. We never felt pressured or over-whelmed. Detailed and patient are also two characteristics Mr. Trevino ... READ MORE Jennifer Munoz Associate
If you want a fast and easy loan for your new home I recommend you Mr Joe Trevino very friendly understandable person and really good at his job.... super happy with my new home thank you very much Mr. Joe God bless you! Angelica Reynosa alejo Angelica Reynosa alejo first time home buyer
As first-time home buyers, my husband and I felt very overwhelmed by the entire process. Joe Trevino came highly recommended to me by my Realtor and we could not have had an easier time. He made the process of getting qualified and approved so easy. There is so much paperwork ... READ MORE Sydney Goshorn
Great experience! Whenever we had questions was quick To answer . Will and have recommend Joe to people. Bernard De Luna Regional Director
I really enjoyed working with mr. trevino he was very informative and straight to the point. Made the process extremely easy and helped me every step of the way. claudia argueta
My family just purchased our first home and Joe was always available and helpful along the entire process. Joe answered phone calls, even after hours and on weekends and worked well with our real estate agent to promptly provide what she needed, as we looked at multiple houses before ... READ MORE Anthony San Miguel Title Examiner
Thanks so much for helping us find our home! I appreciate your hard work and dedication. Lucia Perez Gonzalez Lucia Perez Gonzalez Customer service
I can’t begin to describe my experience with Joe and Vino. I purchased my second home with AmeriFirst and the experience was night and day. Joe was very patient, explained every part of the process, and was ALWAYS available to answer my questions. Hands down the best experience ... READ MORE Tosha Williams Sr. Manager
I was referred to Joe by our Real Estate agent and Joe did an amazing job getting our loan approved. We were not in a position to put in a large down payment and he told us that he could help with that. Needless to say everything went smoothly and we were able to buy our new home. I am ... READ MORE ED BROWN Finance Manager
Executing a financing for a home can be a laborious task. Joe makes the process easy, understandable and all performed in a very professional manner. Most of the process is done by email or via the internet which means you can accomplish it at your pace and based on your schedule. ... READ MORE Walter Martinez Executive Director
Joe trvino did an amazing job helping us. We are so blessed to have someone like him help u with our va loan and paperwork of our new home. Thank you once again Joe.o Gabriel Guerrero Home owner
Best customer service he is the best to help you out on your loan application guide your best option for your loan ⭐️⭐️⭐️⭐️⭐️ Recommendations Raymond Trevino Plumber
I would definitely recommend joe, he made our first home purchase an absolute breeze. Didn’t matter what time it was he was there to answer questions we had. He was patient with us with all of our questions and concerns but made everything very clear and most importantly got us ... READ MORE Ulices Salamanca
Joe helped me through the whole process of buying my first home! He was always very easy to get a hold of and great at explaining things to me being that i was a first time buyer. he got me an awesome interest rate! Highly recommended, i will definitely send people his way in the future! David Morales Auto Sales
I had the pleasure of meeting Joe he's a great guy and was great help getting me into my first home I would strongly recommend him Mauro Elizalde I am a heavy equipment operator
Joe , was extremely helpful . He helped us get into our first home . He sat down with us and explain everything to us . This is the type of person who will baby walk you through things if you need it . I know we did ! Always available throughout the day to call him . Which felt ... READ MORE Virginia&Jaime Rios Virginia&Jaime Rios Regular person
muy recommendable muy professional y muy rapido y facil todos los tramites juan trejo
I refinanced my home with Joe, however before I found Joe I had tried to refinance with two other Mortgage Lenders, neither could do it. Joe did it, no out of pocket money plus he saved me money every month. He is professional, knows his stuff and puts your needs and situation at the ... READ MORE Lonnie Vandervorste New Home Sales Consultant
He was always down to answer questions, taking my calls at any time and helping in every step along the process. Miguel Medina Journeyman Electrician.

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