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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 / 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

I have worked with Ed Fontes for over 20 years and his services to my clients and me has just been awesome! As we continue to grow together, I highly recommend Ed Fontes and his team to best serve all your business needs timely. Ed has closed all my deals much faster then expected. He ... READ MORE Jack Sheemar Realtor
Ed Fontes gave us amazing customer service. Ed and his team were available for us, answered our questions, and gave us great guidance. They were responsive to our questions. Their handling was prompt and efficient. I always think of referring friends and neighbors to someone ... READ MORE Eric Giegerich Director of Industry Alliances
I highly recommend working with Ed Fontes and his team. He provided excellent service. He is professional, easy to work with, compassionate and very friendly, positive and highly skilled and knowledgable in his field. He responded very quickly to all of our questions we had. He gave us ... READ MORE Lanore Giegerich LMFT
My whole process went smoothly and I am satisfied with everyone on the team that help me acquire my house everyone is very profesional and it was a pleasure working with everyone who helped me out . Thank you Emanuel Cruz
First, let me say Ed is AWESOME! He is extremely knowledgeable, always willing to help and go the extra mile for his clients. He walked us through every step, explaining the programs available and outlining costs so we were never in the dark about anything. If there's any time you ... READ MORE Shariyah Miller Treasury Sales Associate - First Time Homebuyer
Ed Fontes and his team did an outstanding job with loan processing. Ed and his team kept you informed every step of the way on your loan process. I highly recommended Ed and his team to anyone who is getting a loan or refinancing. Great job Ed!!!! Anonymous
Ed Fontes alongside with the rest of him team went above and beyond to ensure my home buying process went smoothly. Being a first time buyer he was able to guide me and answer all of my questions along the way. I’ve heard buying a home was stressful, but not when you have Ed on ... READ MORE Nicole Taylor Nicole Taylor Licensed Vocational Nurse
It was nothing but pleasure working with this team. Very efficient in getting things done quick. Ella Ivantsova
Quick and easy financing, got through the process multiple days ahead of schedule thanks to their expediency. Would highly recommend. Kyle Roberts
Ed and his staff was very helpful in getting me ready for my refinance. What documents needed and walk me through step by step in getting documents ready to sign. I couldn't have done it without their step by step help. From time of start to finished my refinance was completed in 2 ... READ MORE Rachael Fukushima Accounting
My wife and I just finished our refinance of our home with Ed and his team.we also used Ed when we first purchased our home.both times were great experiences,Ed and his team have a tremendous amount of experience and it shows in the process and results.a friend of mine refinanced his ... READ MORE Jarrod Hendricks Homeowner
We had a great experience with Ed Fontes. Anytime we had difficulties with the mounds of paper work he was just a phone call away. Always returned calls or text immediately. We had a hiccup with the background and he was able to resolve it quickly. He’s a professional at his ... READ MORE Keith Hoffman
Our refi started just before corona virus hit. It was crazy. All the money industry grinded to a halt. Not ED. He kept pushing and pushing and finally we closed we got our great low rate even after the lock expired! He and his team, Jorge especially, were fantastic!!! Thanks guys well done. Jerry & Jan Kays Jerry & Jan Kays Broker associate eXp Realty
Another successful loan process with Ed👌 It’s a big process but Ed makes it feel like it’s smaller than it really is. Puts your mind at ease. He’s great. Thanks again! David
Ed and his team did a great job! He was very professional and did an exceptional job in a very timely manner. Would definitely use his services again and would recommended his services to others. J. G. Homeowner
Very recently I did a Reverse Mortgage - or rather - Ed did it for me! He was always available with advice - via e-mail, telephone or fax - to calm any anxieties I had. Thank you, Ed. Lydia Cummings Lydia Cummings Mother, Grandmother, Babysitter - now retired - mostly!
Ed and his team were incredible to work with! Made it a very smooth and stress free process. Always felt like I was in good hands. Chris Lubovich Freight Car Inspector
He went the extra mile to get my loan closed William Ogee
Ed works so hard to get my loan to be approved on conventional loan! Thank you for your tireless efforts on making the loan to be approved ! Leone Brown Teacher
Ed is awesome! He is extremely helpful and takes the time to answer all of your questions. He helped us buy our first home and refinance it a year later. Ed and his team made both process quick and easy. Will be recommending him to our family and friends! Vicente D.
After my first few months living in an apartment, I decided that apartment living was not for me and I would have to purchase a house sooner rather than later. I contacted a broker who, after checking my credit, informed me via text that my score was below 620 and I should let him know ... READ MORE Yvonne Mae Tinglin
There are no words to express how I feel about owning my new home. Ed Fontes’ team was excellent through the whole process. I was given the opportunity to own my home again and this would not have been possible, if it was not for Ed’s team. Thank you from the bottom of ... READ MORE Laura Uribe Laura Uribe Equal Opportunity Specialist
Let me start off by saying that Ed is amazing. Our situation was challenging to say the least (we're talking a 7 month escrow) and he made the process easy. He has a way of keeping you calm and always keeps a positive outlook in every situation. He knows his stuff and is ... READ MORE Amanda Paul Fine Wine And Spirit Sales Rep
Ed and his team are awesome to work with! They made my first home buying experience a smooth one. I appreciated the way Ed made himself so easily accessible for any questions I had. Hes thorough, patient and truly is looking after your best interest. This guy knows his stuff and is ... READ MORE Marisa RN
Ed and his team have been great through every transaction. They are very professional, knowledgeable and courteous. Most importantly, Ed is extremely scrupulous in his business. He will not let his clients bite off more than they can chew, or put them in risky loans. Highly recommend! Christina Willson Teacher
Always outstanding service, if you are in question as to whether you will actually be able to qualify given your past, Ed will find a way to qualify you. Ricardo Alonso Mr.
I've used Ed and his team for my last 3 transactions. He always goes the extra mile and can get things done when others can't. Thank you Ed. Mark Florentine Warehouse Worker
Ed Fontes and his staff are very professional and courteous and was understanding of my needs. For myself I got a VA refinance and the process was very quick he knew exactly what needed to be done. Ed Fontes treated me like family. I would highly recommend him and his staff at ... READ MORE Enrique Vidal Enrique Vidal Sales agent
We would like to take this opportunity to thank Mr. Ed Fontes who helped us to do our home loan. He worked so hard to make it happen and never give up. He was the winner of all. Very knowledgeable of what he do. Awesome, thanks for getting and helping us to move in our dream home. ... READ MORE Edward Csech Senior and Vicky Mc Donald Retired
Dear Ed, My wife and I would like to thank you and your staff for your professionalism and knowledge in helping us complete the refinance of our home this past month. It was truly a pleasurable experience (as has every other real estate transaction you've assisted us with ... READ MORE Clark Osborne
Dear Ed, My wife and I would like to thank you and your staff for your professionalism and knowledge in helping us complete the refinance of our home this past month. It was truly a pleasurable experience (as has every other real estate transaction you've assisted us with ... READ MORE Clark Osborne
Ed Fontes could of not of been more helpful on my last refi . he was efficient ,he always communicated with me on where I was in the process and was extremely helpful . I would recommend his services to anyone. Stephanie Taylor
Great service with professional staff. Hector Logistics Specialist
Ed and his team are very efficient. They keep track of your progress along the way and call often to make sure everything is on track. They also keep their deadlines, which is very important with a home purchase. Jessica A Bivens Executive General Adjuster
Ed was extremely knowledgable about anything we had questions on throughout the whole process! He was honest when we were weighing all our options and truly wanted to help us find what worked best for us. Whenever we had a question he was quick to provide an answer! We highly recommend him! Alayna Verrett
Great person to deal with. This is purbsecond home and once again Ed. Is straight to the point, no run around. Very professional and is great at explaining step by step on how the loan works. Highly recommended. Walter Nunez Home buyer
I wish to recommend Ed Fontes. He is definitely my broker of choice. I found him to be extremely knowledgeable of the real estate industry. I also found him to be most accommodating (always returning my phone calls even after hours). I wouldn't deal with anyone else. Monique J Charland Monique J Charland retired
Ed Fontes is a highly dedicated loan officer who is honest and very hardworking. I was blessed to run into Ed through a co-workers referral two and a half years ago. At the time I was unable to buy a house as my current house was underwater and I had filed a Chapter 13 to get rid of ... READ MORE Ravi Lal Teacher
My family and I want to thank you and your team for your work and dedication to buy our home. We appreciate the professional way everything was handled. The fact that you always kept us inform of what was going on made the stress level much lower that it might have been. We will be ... READ MORE Dalila Nava
He was always available to answer questions and went above and beyond to walk us through the process. This is the first house I've ever bought and it was so quick and easy thanks to him. We closed in only 10 days! He was always quick to answer every question I had and super ... READ MORE David D
I am a first time homebuyer and my broker recommended me to use Ed Fontes. When you are a first-time homebuyer, you are bombarded with loads of sparkly marketing when people are selling you their loans services, and it is so hard to chose the right, genuine service. You can't go ... READ MORE Kimmy K. Project Manager
Ed Fontes and his team at AmeriFirst proved to us for the second time this year, that they deliver on their promise to get us funded - new mortgage, when others failed. They saved our day! I'd like everybody to know that when Ed says they can fund you, they will do their part, as ... READ MORE Mihaela Robb Mihaela Robb IT Consultant
just to thank all the help given in the whole process, step by step even though it seemed impossible to me thanks to Mr. Ed Fontes and all his team our biggest dream was finally made to have our own home 🏠😀 thank you very much 😀😍🔑🏠🎼 solo para agradecer toda la ... READ MORE Teresa Vega /  Adalid Castellanos Teresa Vega / Adalid Castellanos Ed Fontes
Great communication! Kept me updated daily, and followed up with me as well. Flavia Torres
A GREAT experience working with Ed and his team. The loan process was smooth, no issues, and everything was explained in detail. The communication between him and his team and us were excellent. I am a first time home buyer and had no idea what I was doing. Ed answered all of my ten ... READ MORE Kimberly Reed Kimberly Reed Clerk II Folsom Lake College
I have been working with Ed for several years. He has saved many transactions for me and always comes through as promised. He is truly a pleasure to work with. Lei Anderson Broker
ED Fontes is SUPER Great Loan Consultant. Ed made the dream comes true for my Buyer. My Buyer desperately needed the loan right way because the first lender turned down my buyer's loan at the last minute. Ed finished the entire loan process in a short time. That was a miracle! ... READ MORE Kris Focha Listing Agent
Ed was great!!!!!!!!!!!! He was able to save my deal that the first loan officer could not approve. My clients were happy that they were able to get their home as first time buyer's. Anonymous
I have met many Loan Officers throughout my career and I must say without any doubt, Ed KNOWS his job. He knows that to get the job done, you must be willing to look at all options without any doubt. His willingness to get that loan for his client and the patience he conveys is absolutely admirable. Carlotta Diaz Broker
Ed is a well known name in Sacramento Lending and he is a veteran mortgage broker. Ed combines an easy style and approachability with a solid market mastery derived from years of service in the lending industry. I closed a transaction with Ed on a VERY difficult property. He got the ... READ MORE Alexander Genigeorgis Broker
Thank you Ed for stepping up and helping the buyers on my listing! It's unfortunate the buyers lender was a flake and we are all fortunate you step up and saved the day! Thank you so much from Estella Drake, Realtor RE/MAX Gold Midtown 916-213-2405. Estella Drake Estate Broker
Back in 2009 Ed helped make my dream of owning a house come true. I had been a single mother for a long time and it was a struggle to get into a position where I could buy a home for my daughter and myself. Ed made that happen through his relentless efforts in ensuring all the bases ... READ MORE Jennefer Currie US Army Soldier
Ed Fontes and his team were able save our Escrow by completing a loan that another lender was not able to do. Don Webber Listing Agent
I have known Ed Fontes for over 15 years, Ed has never once told me that a deal can't be done. I know a lot of lenders out there say they can but Ed truly can. I feel blessed that Ed has been a part of life and more importantly a part of my success in Real Estate. Shaun Sanassarian Realtor
Ed Fontes is simply the best. I have been in the mortgage industry or related Real Estate services for the past 30 years. Over these years I have not met anyone with his knowledge or capacity to complete or help prepare any client to complete a mortgage. Ed has also helped many clients ... READ MORE Dave Luchin Sales Manager
It"s been a pleasure to work with Ed Fontes. He helped us make our dream come true by helping us get our first home. Ed went the extra mile and educated us about different programs there is for first time home buyers. Three years have passed by since we bought our house and Ed ... READ MORE Yadira and Jose Jimenez First time homebuyers
Ed saved the day. I was the sellers agent for a home. We accepted an offer that seemed good. The day it was scheduled to close the loan agent they where using came clean and confessed the loan couldn't be done. This put all parties in a difficult situation. The buyer stood to lose ... READ MORE John McLaughlin Agent
Ed Fontes has gone above and beyond the call of duty to help structure our home loan to closing. I recommend Ed to anyone that is looking for a home loan. he will guide you in the right direction all the way. there is no dumb question in his vocabulary. he was very thorough. if you are ... READ MORE Raquel Gomez

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