BUY REMODEL RESOURCES ABOUT APPLY LOGIN TPO FAQ's Here are some of the common questions we hear about buying and financing a home. Getting ready to buy Why should I buy a home? Can I afford it? Am I ready to buy? Understanding credit scores What is a credit score? What if my credit score is low? The application process What does it mean to prequalify? What is a preapproval? What information do you need when I apply for a loan? Will there be closing costs? Down payments Do I need a down payment? How much should my down payment be? What is private mortgage insurance (PMI), and do I need it? What is mortgage insurance premium (MIP) and do I need it? What is equity? Interest rate What will my interest rate be? Do you publish your interest rates? What are fixed-rate mortgage loans? What are adjustable-rate mortgage (ARM) loans? Monthly payments How much will my payments be? Is there a grace period for paying my mortgage? Can I pay my loan off early? What if I can’t afford my mortgage anymore? Welcome to the neighborhood Explore our blog for insights on buying, financing, remodeling, and taking care of your home. READ OUR BLOG Send an email customercare@amerifirst.com Call us 800.466.5626 Get started Apply online today CONTACT US BRANCH LOCATOR CAREERS PRESS PAY MY FEES PAYMENT ASSISTANCE NMLS Consumer Access | Email and Financial Privacy | Licensing Cyber Security Equal Housing Lender A division of Amerifirst Financial Corporation 950 Trade Centre Way, Suite 400 Kalamazoo, MI 49002 NMLS ID #110139 This is not a commitment to lend. Not all borrowers will qualify; contact us for more information on fees and terms. © 2018. All rights reserved.