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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.

Down Payment Assistance Search

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.


Thank you Ron and Kris for answering all my questions and helping me to get in to my new home! It was a journey for sure, but in the end it was worth it and I am so thankful for your help. Sincerely, Rhonda Rhonda Browning Rhonda Browning
The team works well with customers as well as each other. They stay in constant communication with you and let you know the status of your account. If you are in need of Terrific service you will not be disappointed with this team. Brandy Beuthien Sales representative
They did a graet job, they were always professional. Every time I had a question they answer me quickly. I will recomend them to my friends and family. Thank you for helping us with this loan😊😊 Leticia Zepeda CNA, Caregiver, professional service director.
Ron and Kris were a pleasure to work with from start to finish. They are professional, courteous and extremely proficient. They made the process very easy and effectively communicated throughout. We were able to close in less than 30 days and we will definitely utilize their ... READ MORE Brad Butler
The Kelleher Team was fantastic. They walked me through the process step by step with explanations all the way. They worked with my issues and found solutions. I could not have asked fir a better group of people to help me with my loan. Jean Gwirtz Jean Gwirtz
Ron’s team did a great gob facilitating my loan and keeping the Process on track. Thanks to the whole team and there hard work. Frank Young Frank Young
They were great, very knowledgeable and very caring they went way beyond for me, and we closed in less than 30 days, so if you want very experienced team working for you I highly recommend this team, they are very professional! Sundi Readlinger Histotech
Ron and Kris were super easy and fast to work with. They kept everything on track and understood the importance of time and getting our first home. These guys are the best and I will be using their help with my next home! Carl Gibson Customer service consultant
I had a good experience working with the Amerifirst Team. They were very helpful and answered all the questions that I had, which was a lot! Costumer service was great and I say that because I know that I was kind of difficult for them and they never once gave me the impression of ... READ MORE David Leeser Construction Manager/ Safety Coordinator
Ron and Kristopher were amazing! Kristopher spent so much time answering all my (some ridiculous) questions. He always did it quickly and took the time to explain things in simple terms. They found so many deals and programs for us that our closing costs were next to nothing...and I ... READ MORE Bethany Washburn Director, Education Services
Good Day, Ron Kelleher the Branch Manager and Kristopher Leathers with AmeriFirst Financial was our choice for home our home mortgage. Starting in 2017 Ron and his team assisted us purchasing our new home in Prescott Valley AZ. He worked with us over the next year while our home was ... READ MORE Matthew Price SQL Developer / Home Buyer
The team was amazing. They took a lot of time to help and answered all questions. I would recommend this lender to everone! Chad dahl Just a guy
I greatly appreciate them shopping to get me the best rate. And keeping me on track with all of my deliverables. Ron and Kristopher were always available to answer my questions. Amanda
I would recommend Ron and Kristopher along with the Kelleher team for any mortgage needs. Kristopher is knowledgeable, professional, communicates throughout the course , and has a pleasant sense of humor. The team is friendly, kind, attentive to the task at hand,and swift processing ... READ MORE Lisa S HealthCare
Ron and his team are amazing and awesome to work with. They did a great job communicating what was going on during the process of the loan. My loan was rocky to began with, I didn't have the best credit. They had their credit service analyze my report. I followed their instructions ... READ MORE Desiree Basua Realtor
I was delighted by the friendly, professional service I received from the Kelleher Team during my recent home loan application process! I've gone through the loan process several times before when buying homes but their level of service is new and refreshing! The speed at which ... READ MORE John Bruce John Bruce Airline Pilot
We can always rely on Ron and his team to close on time and provide our clients with fantastic customer service. We recommend him to all our clients. Thank you Jessica Perey & Janette Woolcott Realtors with Realty ONE Group Jessica Perey Realtor
Kris and Ron were great to work with. We were very pleased with their professionalism and they made our new home purchase experience an easy one. Everything was handled in a very timely and professional manner. Thank you. Theresa Surguine
Kristopher Leathers was great! He called me from the start and explained what the process was going to be and answered all of my questions. He really made the experience of buying a home easy. His team worked together and helped me to the fullest. Anonymous
I was very pleased at the proffessinalism and knowledge of your employee kris leathers .he represents your company in every positive manner and made my home buying experience flawless. 5 stars***** for the Kelleher team of professionals. james l. mahn new client
I come to Ron for all my mortgage needs. When dealing with Ron I am certain I will be given every option available and he will work with me to reach my goals. When working with Ron, his right hand man Kris is top notch as well. While meeting with Ron, Kris was able to run numbers ... READ MORE Tony Frank Finance Manager
This team did a great job at completing my mortgage. I had special circumstances in which I only had 20 days to close and this team came thru in UNDER 20 days. Kris Leathers worked especially hard on this deal as if it was his own. He was very quick to get everything needed and was ... READ MORE Jon O'Dowd
I worked closely with Kristopher Leathers throughout the home-loan process. He responded quickly and pleasantly, is quite knowledgeable, and made the process a breeze for me. This is the first time I purchased a home on my own, so his support meant so much to me. Kudos, Kris, you're the best! Joyce Classen ETS Coordinator, Yavapai College
Ron is great! He was very helpful through out the entire process and kept me in the loop the entire time. Ron's timely responses to my inquiries really made this process as seamless as possible. Monik Gomez Enrollment Specialist
It was great working with Ron and his team. We had a few challenges along the way but the team stayed in communication and insured that all went smoothly. Joel Bez Entrepreuner
It has been a real pleasure working with Ron Kelleher and his team. He was most helpful in obtaining a loan to purchase our property. Can't thank you enough Ron. Anonymous
We've used the Kelleher team for our purchase and then our refi and had an excellent experience both times. Highly recommend their team! Kevin K Engineering Manager
Working with Ron and his team, I was able to complete a painless refi of my property. They did all the work, required only pertinent supporting documentation, and completed the entire deal within a short space of time and for a FABULOUS rate! Ron's team are professional, focused, ... READ MORE Simon PC Frost
AmeriFirst and the Kelleher team was great in helping me to purchase my new home. They walked me through each step of the process and everything went so smooth. I would highly recommend the Kelleher Team to help you with your next mortgage or refinance. Ann Simpson
I am so happy that we went with them. They were able to speed up the process and get us into our home by the date we selected... and it was not a big window. On top of that, I found out that our rate was actually a bit lower on closing than we originally thought. They worked great with ... READ MORE Hollie Valentine Home Buyer
My experience with AmeriFirst (Ron, & Kris) was amazing the whole process starting from The Broker/Agents "The Fierros" to the closing agent explaining the thorough process ... great group all around to work with made my 1st time home buying experience at ease ~ would ... READ MORE Martin Contreras Happy 1st time Home buyer
I just want to said thank you for helping me to get my home. They work after hours to get all the paperwork that I need number #1 team! Esly pereyra Christopher
I just want to said thank you for helping me to get my home. They work after hours to get all the paperwork that I need number #1 team! Esly pereyra Christopher
Ron and his team are amazing to work with! I've used AmeriFirst for a few loans and they've been knowledgeable, timely, and an overall pleasure to work with. Blanca Herrera
Ron and his team are amazing! I have used AmeriFirst for two loans and both times Ron and his team were helpful, prompt and efficient. It's not a fun process but working with this group of people made it a lot easier!! Anytime anyone asks me I recommend Ron and AmeriFirst. ... READ MORE Sabina Grieco
I needed a loan to fit my budget. Ron and his team found mea loan that not only fit my budget but lowered my mortgage payment. He helped me in every way that he could to refinance my house. If it wasn't for Ron and his mortgage team my family and I would have lost our home. It is ... READ MORE Michael Colgan
As a agent and a buyer I would recommend Ron for the loan you your own personal property and/or your clients. He is prompt, accurate and most importantly a great communicator. He answers your phone calls and responds to your email immediately. I cant begin to express how valuable ... READ MORE Amy Pilarcek REALTOR, DPR Realty
Ron and his team did a wounderful job finding the right loan for me. The extra time they took with me to make this experience easy. Just a great feeling overall. Colleen A.Stahlhut Colleen A.Stahlhut Quality inspector
Ron did an excellent job working with us and for us. He made a challenging experience easy and painless for us and we were able to purchase our new home in no time. James Kerr

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