Loan Programs Find An Expert Find A Branch Resources About Us Contact Us Apply Now Loan Programs Home loan and mortgage options Our loan programs have been designed to make your American Dream of homeownership come true. Protect Your Transaction® Protect Your Transaction® (PYT) develops unsurpassed confidence through the PYT Loan Commitment. A PYT Loan Commitment moves beyond the industry standard pre-qualification and pre-approval, by underwriting upfront. Strengthen any offer with PYT's 100% lender backed loan commitment Safeguarded and backed by a $15,000 assurance (with an additional $5,000 for First Responders and Teachers Avoid last minute surprises that can prevent a loan from closing Learn More Conventional A conventional mortgage is a loan that is not guaranteed or insured by any government agency and is typically fixed in its terms and rate. The most common of the loan types, a conventional loan is a great option: Offers flexible loan amounts FICO as low as 620 with rate savings opportunities with higher FICO Apply Now Down Payment Assistance Down Payment Assistance (DPA) programs help homebuyers with loans or grants that reduce the amount they need to save for a down payment. There are different DPA programs available for each state, call a loan professional today to learn which is right for you: AFI 100 AZHFA HomePlus Colorado FirstStep GSFA Platinum Home Sweet Texas Nevada Home is Possible New Home Advantage Apply Now FHA An FHA mortgage is issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA mortgages are designed for low-to-moderate income borrowers who are unable to make a large down payment. Borrowers can qualify for an FHA loan with as little as 3.5% down FICO as low as 580, offering more flexible credit qualifying guidelines Apply Now VA Loans VA Loans are available for US veterans. VA guaranteed loans are made by private lenders, such as banks or mortgage companies, for the purchase of a home for a buyer's own personal occupancy. These loans offer competitive rates and require little or no down payment. Apply Now Refinance Refinancing loans are available for those looking to lower their interest rate, shorten their loan and those looking to cash out on equity. There are many ways in which refinancing may be able to help you. Speak with an AmeriFirst Financial, Inc. Loan Officer today to find out if refinancing is right for you. Contact Us Reverse Mortgage Reverse Mortgages are for anyone 62 or older with equity in their home. These loans allow for more monthly income or can help to increase monthly cash flow while never having to make a monthly mortgage payment. Learn More Loan Products Protect Your Transaction® Conventional Loans Down Payment Assistance FHA VA Loans Resources About Us Find An Expert Find A Branch Payments ConsumerComplaints@AmeriFirst.us Contact Us 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 1-877-276-1974 Careers AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright © 2021 AmeriFirst Financial, Inc. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice. Visit https://amerifirstloan.com/pages/state-licensing for all state licenses information. Visit NMLS Consumer Access at https://www.nmlsconsumeraccess.org/. Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Not intended for legal or financial advice. Consult your own professionals if such advice is sought. NMLS Nationwide Mortgage Licensing System & Registry Consumer AccessHUD Fair Housing & Equal Opportunity. NMLS CONSUMER ACCESS LICENSING PRIVACY POLICY