Skip to Content


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

Joe was really great to work with from the beginning through the end. We would highly recommend Joe and would work with him again! Brock Berry Sales
This is the second property I’ve used Joe to negotiate my loan. He is knowledgeable, patient and genuinely a warm and kind individual. He knows the desert real estate market very well and understands the whole Indian land process and Bureau of Indian Affairs protocols ( a ... READ MORE Sallie Gilmore
Joe Crist handled the refinance of my home in the most timely, professional, friendly manner I have ever experienced. Dan Pierce
Joe is absolutely amazing. Always there when I had questions, and very patient with me. Completely professional I couldn’t of asked for more. This is my second loan with him, even my family has used him multiple times. Highly recommend. Lisa Kossey Homeowner
Joe was always available to answer any questions we had regarding our home loan. He was professional throughout the whole process and quick to provide guidance to help us get financially ready for our purchase. Nuvea Cobb
We purchased a home in LaQuinta last August. Throughout the process, Joe did a great job. Everything was done on time, and in an organized, pleasant, and professional manner. All questions were answered promptly, courteously, and correctly. Would recommend Joe Crist wholeheartedly. Michael Case
Have a great connection with Joe. He has always been available when I have questions or concerns about both the initial home buying process and now the refinance process. I do pass along to others his contact information. He's quite an asset, don't let him get away! John Dagneau III Veteran Services Representative
From the very start, Joe has been the most professional loan officer I have ever had the pleasure of dealing with (and would do so again). Joe was always on call (super important as our RE market is extremely competitive), he always took the time to explain everything, and was always ... READ MORE Robert Eikel Director of Global Audit
It is always a pleasure to work with Joe. He gives the extra effort needed to complete the process in a timely manner. Joe knows how to put you at ease because he understands his programs thoroughly. I recommend Joe to everybody I know.. I have used his service numerous times. Joel Elliott
We have used Joe multiple times in home sales and refinances. Each time he has gotten the job done with ease. Great communication throughout the process. I have also recommended Joe to others, each time with rave reviews Susan Drummond Education
I own a number of properties and have also refinanced my personal home a few times over the years. Joe Crist was by far the best and easiest person to work with, helping me refinance my home. He is thorough and clear in his presentations. He is also the most patient person I know ... READ MORE Peggy Long Peggy Long client

Let's accomplish more together.

Get in touch

Back to top