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State License: AZ #921587

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

We have worked with Julio several times and he has always been a pleasure to work with. His level of expertise and communication has always been excellent. I would highly recommend Julio and would work with him again. Tony Aguilar
Julio was great start to finish. Everything went smooth and easy. We saved alot on the refi going with Julio and Amerifirst. Thank you! James Rogers
Julio has helped me out twice with financing my home. Both times he was very professional, clear and concise with the information, and made the process very easy. I would recommend Julio to anyone looking to purchase a home or someone looking to refinance. Ed Reynoso
Julio is awesome! he made the home buying process flawless and I closed on the date he quoted me from the beginning of the transaction. During the process, he looked out for my interest to ensure I understood the homebuying process , and he was very available to answer any questions ... READ MORE Akia Compton-Adegbile Voce President of Programs and Operations
Julio has been very helpful throughout the whole process , he helped us with our first loan and now with our Refinance. I would definitely recommend julio to my friends and family. Agustin Medina Manager
Julio was great to work with he stayed on top of everything for me and really worked hard to help me finance my home. I’ll recommend him any day to anyone who thinks they cannot purchase a home or if they have been told previously that they couldn’t do it (like I was told). ... READ MORE Dee Willis Client
Thank you, very professional, everything was done quickly without any problems! Jacob 6th Grade Teacher
Very professional and made sure I was comfortable with every aspect during the process. Chandler Evans Chandler Evans
Julio, I Love my new home. just wanted to Thank yo for your patience, time and perseverance on our home loan. My credit was not perfect, yet you walked us through every step to make sure everything was done right. Now I don’t just have a beautiful home I also have really good ... READ MORE Martha Villalpando Business Owner
This was hands down the most streamlined house buying process I have ever had. I’ve bought a few homes over the years, but by far Julio Zapata has stood out amongst the other lenders I’ve done business with. Julio guided me every step of the way and constantly kept me ... READ MORE Kent Smith Eckenrode Kent Smith Eckenrode Law Enforcement Officer
Julio was awesome to work with! Julio is very knowledgeable and made the process of buying a home so easy. He is very prompt and he even responded to my questions during the weekend. I would highly recommend Julio Zapata. Roger G
Julio was very professional and concise well helping us purchase our forever home. He was able to explain everything and made the transition as smooth as possible. Nikolle Isom Homeowner
Very pleased with the expeditious and courteous manner in which our re-fi was managed by Julio. Quick, concise, and error-free. Dee Dalrymple PM Academia
Julio is an excellent lender. I have used Julio many times over the years and will continue to keep using him as often as possible. What I love the most is that Julio treats my clients awesome and walks them through each step of the process. My clients love the fact that if they have ... READ MORE Stephanie Furrow Realtor
Julio did a wonderful job providing excellent service for a refinance and a new VA loan at the same time. He helped make things run smoothly, was always on top of any changes, and was very knowledgeable and helpful during the whole process. He answered any questions in a very timely ... READ MORE Ashley Hanawalt CEO of the household
Julio did a great job getting our loan processed in a timely manner Chuck glum Owner
Julio did a great job working with us to find a loan that met our needs. He turned around all the approvals quickly and kept us on track to hit our targeted closing date. This was my 3rd time working with him and I would do it again! R Anderson
I couldn't ask for a better Loan Specialist like Julio. He is very helpful and gets to the point. He is a true professional and a bit of a workaholic, I think, lol. Julio returns calls, emails, and/or text in a timely manner to answer all your questions. Thank you Julio and keep up ... READ MORE Raul Barbosa
Julio got me refinance..i triwd 2 different places before him and was deny..he got me qualify and closed in 30 days.thanks julio for your imput.. Abraham espinoza Coach operator
I've owned my first home for a few years now. I received an offer from my mortgage company for a refinance. Per a recommendation from my family I contacted Julio to see if he could beat the offer. He not only beat the offer but created a very smooth and painless refinance process. ... READ MORE Chris Combes Newer home owner
I am a first time home buyer and I couldn't have asked for a better Team to assist me in what could have been a very stressful time. Julio was very informative and answered any questions I had. He took the time to explain things in a way that didn't sound so confusing. He ... READ MORE Jessica M. Balderas Accounting Specialist
Julio Zapata gave me great communication. When he needed information he would contact me immediately and kept me up to date on all things happening to my loan. He is an excellent mortgage loan office. He processed my loan quickly and is a great person. Thank you for everything Patty A Melendez
Very helpful and thorough. Made a very difficult and anxiety ridden process much easier. Gave constant support and explained every step. Very professional. David Lee Anderson Portfolio Service Specialist
This is the second time I used Julio Zapata for my mortgage. Both times, he did an outstanding job at keeping me well informed and communicating everything throughout the process efficiently and timely. He is knowledgeable regarding all mortgage programs and I view him as a trusted ... READ MORE Chris Borges HR Senior Consultant

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