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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 / 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.


It was such a pleasure to work with Margot. As a first time home buyer, she was so patient in explaining the home buying process. She answered any and all of my questions. She found me lots of help when it came to closing cost. I will highly recommend Margot to all of my friends ... READ MORE Erica Gonzales Teacher
Excellent Job Margot is very professional person. Congratulations to her. Alberto vegaexellent
Margot made buying my first home possible. She was very helpful with all of my questions. She will answer calls at any time of the day, night, or weekends to help you with whatever you may need. I highly recommend her! Joseph Reyes New Homeowner
Margot made buying my first home possible. She was very helpful with all of my questions. She will answer calls at any time of the day, night, or weekends to help you with whatever you may need. I highly recommend her! Joseph Reyes New Homeowner
Margot made buying my first home possible. She was very helpful with all of my questions. She will answer calls at any time of the day, night, or weekends to help you with whatever you may need. I highly recommend her! Joseph Reyes New Homeowner
We have known margot for quite a few years. and she has consistently provided both our clients and now ourselves with exemplary service. She does an amazing job of making it work. What we like about her most of all is that she has the Heart of a Teacher. She will let you know what ... READ MORE Ellis & Savannah Washington Real Estate Broker & Realtor
Margot is on call 24/7. She works extremely hard to get where you need to be. She anticipates what the underwriters are going to ask for to make your buying experience a positive one. Financially, she will try her best (late night evenings, weekends and holidays) to get you where ... READ MORE Brian and Pam Barber Making your dreams come true
Always available, helpful, and goes above and beyond for her clients. Kayla DiMarco
It was a complete and utter delight to work with Margot for the purchase of my husband and I's first home. The process was smooth, fast, and easy, which is nothing compared to past bad experiences with other mortgage brokers. I recommend everyone to work with her, since there will ... READ MORE Erandy Marquez First Time Homeowner
Porque decir que Margot de la Paz es recomendable.? Porque es profesional, sabe lo que está haciendo y además es honesta y confiable. Jorge de luna Agente de ventas
My husband and I recently had the opportunity and privilege of working with Margot on the purchase of our home. She was very professional, always on top of our loan and very well versed in the knowledge of her job. She always had answers and did not hesitate to return phone calls, text ... READ MORE Victor Ramirez & Marisa Ramirez AmeriFirst Financial of Texas
Margot was great through the entire process of getting a home. She took time to explain information to me and was patient with all of the questions that I asked throughout the process. She made purchasing a home for my family much less stressful than I thought it would be. I give ... READ MORE Edward J Garza Lab Technician
Five stars for Mrs Margo. She is the best at what she does and takes no prisoners. She delivered on everything she said. She helped me become a home owner and kept me focused when i didn't feel like things were heading in a positive direction. Many thanks and much respect. \mXm/ Edward Garza Assistant warehouse manager
Great customer service, Margot is an amazing person and a knowledgeable professional. I would recommend her to anyone in need of a mortgage loan. She takes the time to explain everything and makes sure you understand the process and you are comfortable with it. Thank you Boryana Trautmann Customer
I would 100% recommend Margot and her team! This is the 3rd mortgage worked with her over the last decade and I plan to use her with the next (whenever that may be). She was very helpful with advice on how to help build my credit score to ensure I get approved and kept in touch to ... READ MORE Teann Scanlon Teann Scanlon Project Manager Assistant
Margot was always available when i needed her no matter the time. Well, to keep things short, I could of never got into my 1st home with out her. Thank u so much. Edgar Coronado Film Installer
Words can not describe how comfortable I felt & how easy she helped make the process. Ms. Margot exited my expectations of a loan officer. She was very attentive and answered all/any questions we asked in a timely fashion. She made my house process very easy and stress free. I ... READ MORE Estefania A De La Cruz Estefania A De La Cruz
Oh my goodness! Where do I start? This is an amazing woman who knows her work. I have always dreamed of owning a home. Margot De La Paz made it happen. She really worked with me. She was patient and understanding. She gave great advice on getting my credit on track. I am so grateful ... READ MORE Felicia Johnson Felicia Johnson Certified Dialysis Tech
Thank you Margot for helping us buy our dream home. You were there every time I had a question, and guided us through the loan process like I never thought possible. We live now live in our dream home thanks to you.. Joel Lesly Communication supervisor

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