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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 / 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.


John was great and made my wife and feel comfortable to financing our first home. He gave us great advise on how to improve our credit score, and how to quickly get equity in our new home. Even after our house closed, he still communicates with us and set us up with additional ... READ MORE Ken Davidson Manager, Organic Search
Thank you for all your help John!!! in making this home purchase a reality for me. I know it has been a couple of weeks since our closing. As a first-time homeowner, I would like to thank you for your patience, responsiveness and for working around my schedule. John always explained ... READ MORE George Tirador III First-Time Homeowner
I have known John for a number of years. He has handled numerous transactions for me and for others I have sent to him. He is a consummate professional. I wouldn't use anyone else. Enough said.......... George Land
John and his team are great. They really helped me get through the process after having a foreclosure and damaged credit. I would recommend him to anyone who needs help and wants to buy a house. Thank you John and team. Tony Brown Sales Manager
Nobody enjoys the loan portion of buying a new home. Despite this, John Kramer and his team worked hard to make sure it the process was as painless as possible. I was able to upload most of the required documentation electronically, which helped as I was working odd shifts during ... READ MORE Robert Jazo Robert Jazo System Engineer
Buying a home is among one the biggest decisions we make in life as an adult. And buying a first home as I did, makes it an even bigger decision. John Kramer was wonderful to work with and helped provide me with answers to all of my questions - and there were quite a few of those. ... READ MORE Sharon Allen Accounting/HR Manager
John was great from start to finish. He explained every step and action and kept me informed of all that was happening. With the help of John and his team, I was able to purchase my first house! Beth Montross Office Manager
John recently helped a client of ours in a real estate transaction. John and his team were very professional in all elements of the transaction, and I have never dealt with a more knowledgeable professional in the mortgage business. John and his team will always be my first choice for ... READ MORE Peter Hudson REALTORĀ®
John was terrific. Everything went like clock work. Very professiionl and easy to work with. Closing actually was a week before scheduled.... Noel Price Retired
I needed financing for a new home purchase. I shopped around and a friend recommended John. What a blessing he turned out to be - straight forward and honest. He and the whole AmeriFirst Team were great to work with, on top of the whole process. Will use again if the need should arise. D J Dillon Retired
I have worked with John through all my home buying and refinancing. He never disappoints. John makes the process so easy as well as giving you a good piece of mind. He is always there for any questions and is always so responsive. I would recommend John for anyone! Sara Hanauer Senior Drafter
John was recommended to me about a year before I was looking to actually purchase a home. During the months before I seriously looking to buy, he kept in touch and let me know that he was available when I was ready. When I was ready to purchase, he was there for any questions or ... READ MORE Jawann Moss Sprint Store Manager
John was extremely helpful and always professional throughout the lending process. I would recommend him to any of my friends seeking a loan. Barbara west Barbara west A
John was very professional and went above and beyond to help us qualify for our first home. I would definitely recommend him to all my family and friends that are looking to qualify for a new home. John Ruiz Security Officer
I had just about a flawless, seamless and as easy experience with John Kramer and his team you could ask for. Just prior to finding them, I had a very bad experience with a shoddy company and realtor that left us without a house at the last minute. John and his team came thru without a ... READ MORE victor milianti Business Owner
Very good job. We were well informed during the entire process. Daniel jazo
John was incredibly helpful throughout the entire process. He offered great insight and recommendations to help me get the best deal possible. I would recommend him to anyone buying a home. Christian Powell Military
John is very pleasant and easy to work with. We were on a tight schedule and everything went through very seamlessly . I would use John again if I am in need of a mortgage. Deborah Kincaid School administrator
John was great to work with. He kept us informed the whole time through our process. I would highly recommend him. Therese Fishman
John is an exceptional Senior Loan Officer and Financial Consultant, whom was introduced to my family by our real-estate agent. His professionalism and knowledge assisted two households within my family in purchasing homes. He is very personable, quick to answer questions by phone or ... READ MORE Carlos R Llanos Army Senior Enlisted Advisor
We were very pleased with John. He was incredibly patient with us and did a great job explaining our options to us. I didn't feel harassed or pressured by him at all. I would recommend him without reservation. Olivia Porter Attorney
We worked with John to buy our new home. He was great to work with and always responded quickly to emails and phone calls. I would recommend John to anyone that is in the market for a new home. Monica White
John was very easy to work with. He communicates very well with his clients by prompt responses and explanations of the process. He understands the stress that can sometimes come along with the business and does a good job of ameliorating it. I recommend John and his company. jeffrey oswald attorney
John was professional but also very personable. He responded quickly to emails and calls. He was extremely helpful and always answered all of our questions. He definitely made our home buying experience a good one. We would highly recommend him. Bonnie Zielke Payroll Administrator
Hello all! I was introduced to Mr. John Kramer by a dear friend, Sandy Billingley. Sandy has been in Real Estate for decades. She recommended that I speak with Mr Kramer regarding my upcoming house purchase. I felt immediately in good hands. He explained everything to me so that I ... READ MORE Deirdre Mountjoy Deirdre Mountjoy Family Nurse Practitioner
John is a great lender to work with! He is an excellent communicator and stays on top of every transaction! He was able to get a very complicated loan to close on time and make my buyer a happy camper! I look forward to more transactions with John. Deborah Gilman Deborah Gilman Realtor
The first time I talked to John on the phone I knew my home buying experience was in good hands. He was always up front, very personable, and professional. During the entire loan process he kept us very informed through emails and phone calls. I'm a first time home buyer and with ... READ MORE Jacob Barry Performance horse trainer
Being a first time home buyer, John was incredibly helpful! From the 1st time I spoke with him on the phone, I knew that this was going to be an easy process. He explained everything in a way we could understand and replied to questions in a timely manner. I would recommend John to ... READ MORE Dani Nelson
John is amazing! He has gone over and above for our Clients and to make sure their home purchases close. He responds to me always in a timely manner, if I have questions he explains them to me in terms I understand and never dismisses me. John is patient and down to earth! He is a hard ... READ MORE Maya Johnson Maya Johnson Realtor
John is meticulously organized and professional. He does what he says he is going to do and keeps you updated. Dean Hale Assistant Program Administrator City of Mesa
John is very knowledgeable about the loan process, He returns phones calls & responds to emails in a timely fashion. He is very patient & always makes sure what he said was understood. John Kramer gets things done. I strongly recommend him. Darlene Reed Darlene Reed Realtor
John taught a class that I attended. He was very professional, and made the subject matter easy to understand. I believe he is very knowledgeable. Lisa Craze REALTOR
Great job, loan closed on time and low stress level for clients! Competive pricing on Doctor loans! Sharon Helland Associate Broker
John is very knowledgeable about all different types of loan products. His integrity and hard work will make your transaction smooth and easy. Molly Scott Realtor
John Kramer has the knowledge and desire to do your mortgage loans, its a matter of caring and he cares Alexandermorales Realtor
As a newly licensed Realtor® with many questions, John has gone out of his way to to take me through the steps of the mortgage process. He is very passionate about what he does and knowledgeable about all the different programs available to fit your situation. So whether you are ... READ MORE Tracey Fisher Nelson Tracey Fisher Nelson RealtorĀ®
John have a Determination to get the file done, always professional and courteous. He make sure buyers get the best rate possible, John gets the job done. Joel S. Nieves. Joel S. Nieves. Homesmart Realtor.
I so appreciate John's hard work and the excellent service he's provided for my clients. His expertise and timely communication made for a smooth transaction and on-time closing. Julie Coast Julie Coast Realtor
I have worked with John on a number of loans and he has always done a great job for me! I would highly recommend John! Kevin McGloin
It is a pleasure working with John Kramer. He keeps you informed and explains everything. I would recommend him to friends and family! Susan Jewell
John is an experienced Loan Officer and my go to guy. He is professional, a problem solver, and well respected. I wouldn't hesitate to recommend John to anyone needing financing to purchase or refinance a home. Mike Bruen Mike Bruen Associate Broker
John Kramer was extremely helpful through the process of buying my home. Every step was clearly explained and completed in the time frame as stated. He is a true professional and I would recommend him to my family members and friends. Susan Self Counselor
John has been professional and responsive to the needs of my clients. Also, has assisted me with my marketing needs. Nancy Eris Nancy Eris Real Estate Agent
This was an excellent experience. John was recommended to us by our Realtor, and I am certainly glad I gave him a call. He was informative, easy to talk to and answered all questions in an understandable manner, and patient. His response time was great. He never left me hanging when I ... READ MORE Brian Bartlett Area Manager
When John is working with my Buyers he demonstrates a professional, knowledgeable and sincere approach. He is very patient and a very good listener! He is expert in working with clients in all price ranges and situations. His followup skills are amazing. He delivers!!! Pennie Bonnett Pennie Bonnett Realtor
Recently I was afforded the opportunity to work with John Kramer. He was the loan officer selected by my clients and I must say he did an incredible job. Along with John's solid product knowledge, he was an absolute pleasure to work with. John always responded quickly to my clients ... READ MORE Grant Grether Real Estate Sales Consultant
John is always a pleasure to work with. He provides excellent service and follow up making sure to eliminate 11th hour requests and last minute anxiety. He works hard for my clients to ensure they have the best available product to meet both their immediate needs and long range ... READ MORE Bruce Wiskirchen Bruce Wiskirchen Realtor
John Kramer is the best in the business extremely easy to work with keeps to you up to date on the whole process from start to finish also very fast service very personable a true friend has been made from this experience I would highly recommend you to choose John for all you ... READ MORE Kevin Martin
John is a very professional and knowledgeable mortgage lender. He is a careful listener and takes the time to understand your mortgage needs and then tailors a program that help you meet your real estate goals. I am very pleased with John's follow-up and commitment to get the job done right. Stephen Proski ASSOCIATE BROKER

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