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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

From the beginning to the end of the refinancing of our current home, Ms. De La Paz, provided information, direction and when necessary interference. Once we told her our goal and timeline, She ensured that we secured the loan in a very timely fashion. She was always available to ... READ MORE Arnold and Mary Lou Ramirez Retired Educators
Margot worked hard to get us the best interest loan as well as the best home insurance. She worked endlessly, working late evenings and weekends to get my husband and I our dream home. I am thankful for Margot and her team for making our dream home come true. She is truly dedicated to her clients! Naomi Lujan Office Manager
Dear Margot DeLaPaz, I am writing to recommend AmeriFirst Financial, Inc. Services. More Specifically I'd like to address your knowledge and attention to detail aided in my refinance loan process. You were not only thorough but also easy to work with and always willing to take ... READ MORE Evelyn Winter Homeowner
Margot was a huge help throughout the process of buying my first home! She never hesitated to answer any questions that I had and she talked us through all of the paperwork to where it was easily understandable. I will highly recommend Margot to anyone who is currently in the process ... READ MORE Lauren Molina Forensic scientist
Margo is amazing to work with! She is extremely knowledgeable, kept us informed every step of the way, and was always available to answer any questions. Once we found our perfect home and needed our loan closed in less than 30 days, Margo made it happen! Tricia Bravo
OMG! Margot is amazing! I love how she gets you to where you need to be and straight to the point. She handled every aspect of our finances and I couldn't be more pleased. She really knows her stuff .. Lonnie Buentello Operator
Miss De La Paz did a great job in getting me qualified to buy my house.I would highly recommend her to anyone.. Thank You Margo for all your hard work Josephine Short Josephine Short Josephine Short Buyer
Margot was by far the best loan officer I encountered after inquiring with all major online mortgage companies and my personal credit union. Margot was much more responsive than all the others and she answered any and all questions I had. She checked the interest rates daily and ... READ MORE linnet gonzalez Emergency Dispatcher
We used Margot 2 years ago when we purchased our home. When the opportunity rose to refinance, I only thought to use Margot. She and her staff are professional, friendly, and so good at customer service. They moved the process along quickly and were always an email or text away if we ... READ MORE Analisa Ramirez customer
Margot is a true professional and was always prompt and available to answer my questions in making sure I was successful in getting into my new home. She walks me through all the steps to ensure I was able to get approved and ensured all my documents were perfect for underwriting. Her ... READ MORE Y Patterson Homeowner
Carlos and Margot did amazing. I was in such hesitation in buying a house because I never thought I’d actually get one. Now I couldn’t be more happy that I actually am a home owner and it wouldn’t have been possible without these two. They worked with my very busy ... READ MORE Bridget Craddick
Margot and her team took very good care of me through the whole process. Being a first time home owner with limited credit it was a challenge. I had no clue what I was doing. They took every step possible to make sure that I was approved and made it as smooth as possible. I appreciate ... READ MORE Megan Taylor Property management
Margot and her team took very good care of me through the whole process. Being a first time home owner with limited credit it was a challenge. I had no clue what I was doing. They took every step possible to make sure that I was approved and made it as smooth as possible. I appreciate ... READ MORE Megan Taylor Property management
I am a deaf customer and margot has really helped me throughout my home buying process and what I liked was that she understood me .she gave me many tips on how to maintain a good credit score and what to do and what not to do . Pedro Amezcua
The ultimate professional! I would highly recommend Margo to all friends & family needing a Mortgage Loan Officer! Theodorr Director, Customer Services (retired)
Margot was recommended by our realtor and she turned out to be an excellent loan officer. She took the time to explain to us the mortgage lending process, answered every question we had even during the evening hours and provided us with very competitive rates. Margot is very easy to ... READ MORE Juan Noriega
Margot from the beginning was one of the most kind and patient representatives I have ever worked with! She was always courteous, professional but with a can do attitude that made the convoluted process of buying a house seem much more stress free than what it should probably have ... READ MORE Erica Bogran Outside Sales Representative
We worked with Margot from the time we listed and sold our out-of-state home till the closing of the home we bought here in Texas. She really made our home purchase possible by guiding our mortgage experience-finding the mortgage we needed and keeping us informed as we progressed. ... READ MORE James J Hackbarth Homeowner
We would like to recognize Margot for all of her efforts in helping us find out dream home. Margot is a true professional and was always prompt and available to answer our questions in making sure we were successful in getting into our home before the holidays. Thank you for your ... READ MORE James and Penny Champion
Margot is a great loan officer!!! She has helped us twice to get a mortgage for a new home and we could not be happier. We are self-employed and because of that it is a lot of work to get us approved for a jumbo loan/VA loan. She walks us through all the steps to ensure we are able ... READ MORE John and Stefanie Moul Owner
I had an excellent service from Margot, she was very helpful with me ☺️ I will definitely recommend her in the future Blanca Arreaza
Margot De La Paz is a very respectful, knowledgeable, awesome and professional mortgage lender who did an outstanding job guiding me step by step through the loan process. Her financial expertise of the do’s & don’t that a home buyer should practice while going ... READ MORE Dwayne Joseph Spencer Dwayne Joseph Spencer Construction Contractor
Margot was so helpful in this whole confusing process (1st time home buyer). I really felt she went out of her way to get me the best offers and look for the best options that were available for me. She was always communicating with me and always available to explain everything to me! ... READ MORE Carolina Garza SLP
Margot she's the right person if your looking to get a loan, she will help you, and answer any question and provide information, explain in details. Saul Bustamante Technician
She was absolutely fantastic. She worked behind the scenes to help me and my family purchase our 1st home. Thank you so much for making a dream come true. Yay!! I'm a home owner❤❤ Raquel Martinez Raquel Martinez Accounting Car Dealership
I had the opportunity to know Margot in 2010, when she helped me and my husband buy our first home. She is not only a professional as a Loan Officer for your company, she is also a great person, that have taken the time and patience to explain every little aspect of what a loan ... READ MORE Millie Gonzales
I had been in the search for a home for over 8 years going from loan officer to loan officer and the all said the same no we can't help till I came across margot she was the only person that said yes to me and thanks to her now my family and I have a home Alfredo serrato jr Forklift operator
I am so grateful to have had the opportunity to work with Margot. She encouraged my many questions and was so detailed in her explanations. I would not have been able to purchase my first home without her expertise and compassion! Christine Sconzo Registered Nurse
Margot is an excellent and professional loan advisor. I have nothing but compliments she had my best interest in mind and she put me in a position to do that with my purchase of my dream home lots of thanks and love to Margot!!! Paul A. Pronstroller RN
Margo was really great to work with. She made the home buying process easy and stress free. She was always available to answer my questions and was very personable. I would recommend her to anyone looking to purchase a home. Melissa Alcoces Melissa Alcoces New Home Owner
Margot is AWESOME. Without her help and guidance the purchase of my house would not have been possible. She had my best Interests at heart and treated me like a family member. I've made a friend for life. Ernest Peña Retired
Will recommend Margot in a heartbeat; she is the best!! She is patient, knows the process, and provides guidance. Will definitely work with her again if I purchase another home in the future. Minerva
I am a first time home buyer and most people complain about how stressful it is doing so. Well not for me! Margot took care of pretty much everything! Followed her simple steps and next thing I know I’m closing! I could not be happier and I would recommend her to anyone! Brandon Plumlee Brandon Plumlee
This was my first time purchasing a home. As such I had a lot of questions and concerns during the process. Margot was very helpful through out the entire process. She was sure to communicate via phone calls, text messages and emails. She answered every question I had and even took ... READ MORE Tony Smith Manager
Margot was very helpful. She was always available either by chat, phone or email when required. She explained my options very clearly. I definitively recommend her to others for their mortgage needs. Daniel Cervantes Daniel Cervantes Engineer
To say that Margot is the best loan officer in San Antonio, is cutting her short of how great she is. She is with you through the whole process, she informs you from the beginning you can call her with any questions any time of the day and she kept her word. She made the process go so ... READ MORE David Silva Home Buyer
Margot is the Mortgage lender everyone deserves! She helped us with all our needs and answered every question we had with perfect detail. Margot is quick to respond to questions and walked us step by step with everything that was needed. I would recommend Margot to anyone that is in ... READ MORE Austin James
Margot handled my refinance like a true professional and in an extremely timely manner. A minor issue arose with the title company, and she fought tooth and nail to ensure that the problem was corrected. She will also go out of her way to ensure your satisfaction and answer your ... READ MORE Jesus Segovia Jesus Segovia Assistant Professor
Margot and Brany were a dream team. I delayed the process for of homebuying years for fear it was too tedious. Margot answered every text even at night, answered all my questions (there were plenty), returned every call and was so patient. She will certainly be my go-to for any refi or ... READ MORE R. Shelton
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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