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State License: AZ #912647

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.


Garrett took care of my refinance. He and his team made it easy and painless! Patricia Dodd Bookkeeper
My first home buying experience was made painless. I couldn’t have asked for a better person to have worked with. Garrett is an extremely down to earth person and made the process stress free. He Is definitely a go getter and I would definitely recommend using him. Julian Yager Field service Engineer
Garrett did an amazing job to secure a mortgage for us. He will be my mortgage loan officer for life Moein Home Owner
Garrett and his team are amazing. Fast and attentive service from his staff. No stress at all in the process of refinancing. I will definitely be back with Garrett in the future. Corey Lower Corey Lower Territory Sales Manager
Garrett always does an amazing job! He takes care of his clients and makes them feel like a top priority. I always recommend Garrett and will continue to do so! Kelly Brown Real Estate Agent
Garrett helped me get my first mortgage and on two refis now. He is professional and responsive and a pleasure to work with. He knows his stuff and has always been able to help me get a great rate. I highly recommend him. Josh Peltier
Garrett Bowlby was able to save our home when no one else could. Hes down to earth, honest, and a go getter. His communication skills kept all parties in the loop. We will definately be using him again and will recommend him to any and all. Raymond Maki
Garrett and his team are awesome! I used to be a realtor and would refer all my clients to Garrett because he's knowledgeable, personable and efficient. All my clients would comment on how great Garrett and his AmeriFirst team are to work with. I recently purchased a home ... READ MORE Julie Dennis Real Estate Research Analyst
Garrett and everyone at Amerifirst are on top of the process! They are easy to work with and keep the client up to date throughout the process. Jace Hermanson Jace Hermanson President
Working with Garrett was such a pleasure. Usually, buying a home and getting a loan is worst than visiting the dentist. Garrett and his team worked really hard to keep our loan moving through the process. We received constant updates and information on how our loan was progressing. ... READ MORE Darren Ortiz Manager
Garrett helped us, as first time home buyers, get into a great home in our dream neighborhood. He answered all our questions and helped us navigate the waters of home buying. Thank you! Brianna Smith
He was very helpful with financial assistance to get us pre qualified for our new home. He assisted in getting financing over and above kept us informed at all times as to items needed to close on our home. I would highly recommend him to any one buying a home. Geneva Panasewicz Home owner
Garrett went above and beyond for us throughout a very lengthy series of cancelled contracts due to one major issue or another. He never made me feel like our business was unwanted or that we too much trouble to deal with. He is very honest, knowledgeable and patient, very patient, ... READ MORE RJ Dando
Time was of the essence on a 1031 exchange. Loans on three properties all done in a few weeks. Excellent service in every way. Carole Ann Thayer
I have been a loan officer for 8 years myself.I started with another mortgage company, who towards the end of the process raised my rate and their fees even though rates had dropped significantly. My realtor recommended Garrett. From the start I could tell the difference between him ... READ MORE Jason Thompson Regional Manager
Garrett did a great job! Kept us informed through the whole process. Explained all of our options and got our financing right where we needed it. Nathan Carter
Garrett and team are absolutely amazing! Professional, quick, reliable ... everything you want from your mortgage team! Thank you so much for always doing such an amazing job! Tonya Tipsword Processing Director
Garrett was recommended to me through a friend runs a large mortgage company. She recommended him very highly and I now know why. He was very efficient, very quick and very honest. I will use him again when I’m ready to refinance! Thank you Garrett! Maria Esther Marrujo Maria Esther Marrujo Lead Echo Sonographer
I had several people tell me I had to wait to refinance because I was 100% commission and hadn’t been at my job long enough after relocating back from Canada. Garrett and Angela took great care of me and was a painless transaction. I would recommend to everyone! Thomas MacDonald Roof Consultant at Sunvek Roofing
Garret Bowlby and his team did a great job Armin
Garrett was so helpful during the entire loan process. He made sure we understood everything and took his time going through it with us. He truly cares about his clients. I highly recommend him and his office! Kylee Warren
I appreciate Garrett and Ken and Angela so much for the assistants they gave while purchasing my first home! . I really appreciate their knowledge through the process and the hard work they put in to make this happen. Bruce Phelps
A great fellow to work with and very professional Amaechi Oguegbu Supply manager
A very professional fellow, a great man to work with Anonymous
Garrett and his team were so great to work with on our house refinance. The process was very quick and easy. Anonymous
Garret and his team did an excellent job in assisting me with my financing. I highly recommend them. Mauro D'Amico owner
Amazing and easy to work with Cheyenne Ferry
It is our immense pleasure to recommend Garrett Bowlby. We initial spoke with him over the phone. He’s highly talented technologically and made excellent use of relevant databases to quickly get us pre-qual for our real estate transaction. He was highly attentive, almost as if ... READ MORE Johnny & Karen Stallworth Client
Garrett and his team did an excellent job. They watched the market for me and when the market hit the rate that I hoped to get, they locked it in and processed my paperwork quickly! Jonathan Glover
I could not have had a better person working on my side. Garrett calmed me down when things were not going as fast as I thought they should have been. Garrett deserves more than 5 Stars if I could I would give him Ten Stars. He knows his business and he will advise you correctly. Michael Sheline Disabled Veteran
Garret is not been given enough credit for the marvelous dedicated excellent job he did for me and my family. He has my respect and most definately would highly recommend him to anyone who needs an honest extremely hard working communicative reasonible in your favor loan officers rep. ... READ MORE Joshu New Home Owner
Personable and prompt. Provided the ultimate refinance experience Justin
Garrett and his team did a great job and we closed ahead of schedule for making sure we had everything needed in a timely manner, checked our emails and gave him what he asked for! James Thornton Jr Sales Manager
Garrett and his team did a great job helping us buy our vacation home. He is great to work with and i plan to do business with him again. Will S VP CFO
Garrett delivered. He made no promises but stayed positive. He came up with an innovative solution to my mortgage loan requirements and came through when I needed it. I highly recommend him as your mortgage broker. You won’t be disappointed. Ari Magill Ari Magill Independent Contractor
Garrett is always amazing to work with and I appreciate all of his hard work he did on our refinance. Michael T Bosen/Melissa Bosen CPA
Garrett Bowlby did a great job for us. He made the whole process very smooth and relatively easy. I would recommend Garrett Bowlby and Amerifirst to everyone. My family and I will always go to Garrett Bowlby for all our mortgage financing needs in the future. William Truswell Retired home owner
Garrett helped me when ever I had questions in the process of my Refinancing my home. He did not leave me hanging, with my questions. G Scott Collins Mr
I want to thank everyone at amerifirst for thiere hard work and commitment on my home loan Garrett did a miracle and made me a homeowner thank u for everything 🙏🥳🏌️‍♂️ Raul v alvarez Raul v alvarez Home buyer
I worked with Garrett and his team for well over 6 months to get qualified for a home loan. Garrett and his entire team went above and beyond to help me fulfill my dream of being a homeowner again!!! I am recommending Garrett to all my friends and coworkers! They provided me with such ... READ MORE Nikki A Richards
After the 08 resection my family and I lost all we own, for more than a decade I attempted again and again, until my realtor recommended Amerifirst the work with me for several months until I got the keys of a house, my house. I like to Express my gratitude to all the professionals ... READ MORE Ervin Filippi None
Great team to work with! Never had to worry about anything. Very easy process with knowledgeable staff! I recommend them for anyone! Tabitha Evans Senior Interior Designer
Without Garrett and his team I would never got my house. I worked with a different mortgage lender and they was not able to help me. But Garrett find a way to make it work and I appreciate all his help. :-) now me and my kids moved In to our beautiful house. Winta McNeary
We initially contacted Garret at the recommendation of a realtor. Garret has been extremely easy to work with and very helpful throughout this process. He has kept us informed of where we were in the process as well why we needed to provide additional information when it was ... READ MORE Thomas Jones IT Administrator
Garrett made sure all of my loan docs were completed timely and got me a great deal. Shaundra Coleman Director of financial aid
Garrett and his team were great! As first home buyers my fiance and I were unsure of things and unaware and Garrett was very honest and helpful leading us to make the right steps and decisions in managing our money. He was always letting us know what to expect and what steps were ... READ MORE Mary M.
Garrett was amazing through our whole process of buying our house! He was attentive, honest, and answered all of our first-time-buyer questions. We are so grateful! Erika Weaver Erika Weaver
The whole home loan process was perfect. Garrett and his team at Amerifirst are the best. Ricky Lynn Tyler Home owner
Awesome job !!!! Could not have done it without such a great team !!! Paula Rose Paula Rose Nurse Anesthesiologist
Everything went like clock work - highly recommend Garrett - I now own a building - well the bank and I do!!! Peter Johnson Retired
As a first time home buyer I felt as comfortable as possible through the entire process. Garrett and his team were always available to answer questions and calm concerns. 10/10 would recommend to a friend or family member. Thanks for everything Garrett, you’re the man! Kevin Green Marine Mechanic
Garrett and his team were amazing. They worked hard and fast to help me and my wife through the whole loan process. Garrett was always available when we had questions or concerns and had answers that we could understand easily. I highly recommended anyone looking for a loan to reach ... READ MORE Steven Akers Steven Akers
Garrett was very patient, and helpful. Anytime I had a question, even if it was the same question, Garrett was quick to get back to me, and helpful in explaining the answer. Krystal Clark
Garrett was kind and professional during the whole process helped me every step of the way answered any questions I had easy to contact any time I had any time I had questions would highly recommend his service to anyone I know . Richard r Kuthle Client
Garrett did a very good job. He was detailed and explained everything well. He was easy to work with and very easy going. He had our best interest at heart and helped get the best deal possible. Everything was done in a timely manner and well communicated. Christopher & Nicole Barlow RN
Garrett was absolutely fantastic to work with. He showed us different options we could pursue during the purchase of our home. We felt confident in Garrett and his team through the whole home buying process. Mike Teeman Home Buyer
I have always heard horror stories from just about everyone who has purchased a home. Its either funding didn't go through, someone backed out, or time-frames not met. Garrett showed me just how easy it could be with an almost seamless transition from life-long renter to now a home ... READ MORE Matthew Rovere Customer
Garrett did an amazing job helping us with our loan and helping us understand what we could afford, especially as first-time homebuyers. He was always very prompt and that was a huge plus! We definitely recommend Garrett! Kyle Johnson
I give to Barrer Bowlby and his Team five star. I really recommend. Walter
Garrett was great help with our unique mortgage situation. He was very patient and professional during the VA approval and went above and beyond in order to help us meet our move in deadline. Boyd Williams Graphic Designer
We set a very high expectation for Garrett and his team. He met and surpassed our expectations time and time again. His team over communicated and made what is historically a painful process very easy. My family can’t thank him and his team enough. They are all friendly and easy ... READ MORE Lucas smith Terminal Manager
Garrett and his team are incredible! He did the near impossible and didn't give up when we nearly did. He explained everything thoroughly and at times, a second time, just to clarify things for us since this was our first time buying a home. He was very driven, patient, ... READ MORE Derek and Loren Fielder Derek and Loren Fielder Ironworker Foreman/USN Vet
I highly recommend amerifirst. Mr bowlby helped us from first day with all steps and paperworks and he certainly made the process much easier than what it was Seyedesmaeil mousavifard Buyer
Garret is the man! Took care of all my needs. He and his staff pay attention to the details. Thanks for the great experience! Rusty Wilkins
Garrett, Mike, and their team provided amazing service throughout the lending process. They were very helpful and responsive to any questions I had, and they were thorough in providing me options according to my goals. Matt St Martin
Had an awesome experience with Garrett Bowlby and Amerifirst Financial. They kept me well informed throughout the process and Garrett went above and beyond to make sure my VA loan was processed appropriately with all the hurdles they had laid in front of us. Thanks for all the hard work Garrett. jason gowins
I enjoyed working with Garrett and his Team in buying my new house. They were true professionals and were in constant contact with me throughout the purchase. They were able to take the steps necessary to find the unanswered questions in regard to the procedure. I would recommend ... READ MORE Mary Lou Nevin
There is no way I can adequately express how amazing it has been to work with Garrett and his team at AmeriFirst. Garrett took over a challenging situation, took control and closed my loan in a very short period of time so that I would not lose the home I was purchasing. He acted on my ... READ MORE KEVIN P KIRKLAND Service Advisor
Although I didnt actually get to meet Garrett I had a great experience working with him. He was pleasant and easy to work with. His staff was wonderful and very helpful in the refinance process. He was recommended by a friend and all I can say is WOW on how great the service was. Thanks Johnathan Meyer
Garrett did everything in his power to lock us in on the best interest rate possible. Garrett worked tireless on helping to improve our credit rating. Garrett was always very professional and worked diligently on our portfolio. We purchased the home of our dreams and could not be happier. Kristine M Lujan
I met Garrett through my realtor after finding my house to buy. Garrett made me feel comfortable immediately as we started the loan process. He and his staff made the process go smoothly and kept me informed along the way. We closed in five weeks and he more than met my expectations. Roger Renslow Retired
I would like to take this time to thank Garret Bowlby and the Amerifirst team that worked on my loan. My situation was not a easy process because I am living overseas and the communication and process was if I was living in the area. From my first call to his company until the signing ... READ MORE Charles Ray Oliver Retiree
Garret was fantastic to work with! He really nailed the entire process from start to finish. Everything was extremely easy to understand, stress free and efficient. Highly recommend. Isabel Wohl Credit Manager
Garrett and the team at Amerifirst were very helpful along each step of our loan process. We couldn’t have asked for a more thorough yet quick process. I highly recommend Garrett. Scott McGrath
Bailing us out of a less than ideal situation with another mortgage company was what I call AWESOME! His whole team worked with us in tandem to complete our refinace so we didnt have to push back the closing schedule we previously had. I never met Garrett in person but yet he ... READ MORE Richard Nielsen Richard Nielsen
Garrett Bowlby was the best loan officer I have ever worked with. He is knowledgeable and gets the job done, even when your loans are not traditional or simple. He also offers great rates! Geoff Mathieux CEO
I have used Garrett and AmeriFirst for two home purchases and cannot give him a higher rating. His team was outstanding wth communication and fielding any questions I might have. They were compassionate and understanding as things changed throughout the process. And most importantly ... READ MORE Brian Maas
I am very thankful to the team from Amerifirst To make my dream come true as homeowner. Special make the different to save me a lot money in the process... I have so much appreciation did you look up for me on every single detail of the process in my loan... totally recommend it Amerifirst.' style='font-weight: bold' target='_blank'>READ MORE Rosa Vazquez Rosa Vazquez
Garrett you guys did a great job staying on the ball and keeping us informed every step of the process. I will use you in the future and recommend you two friends and family! Richard Carns
Very pleased on how Garrett and his team worked to help my wife and I to get approved for a house loan. Cesar garcia Cesar garcia Artist
job well done. answered all questions and gave good advise. Crush Estrada
On my journey towards owning my own home has had many twists and turns. Some good, some bad. Garrett Bolby has always been a guiding light when I had questions and concerns. He us a compassionate, humble man whom will do everything in his power to get you to your dream of owning a ... READ MORE Tivi Trevino Sales Associate
Prior to speaking with Garrett. My impressions of dealing with AmeriFirst where on par with how i was expecting to be treated, by a company that deals with home loans. I was feeling like just another number. Garrett was Amazing and really turned the experience around. He helped my ... READ MORE Greg V. Assistant Manager
My loan was handled by Garrett Bowlby in such a professional manner. Even at the eleventh hour, Garrett was working to help us find the best programs and rates. His last minute efforts saved us about thirty dollars a month on our mortgage payment. You cannot go wrong with Garrett and ... READ MORE Cassandra Friday Counselor
As first time home-buyers, my wife and I were a bit anxious about the process. Garrett helped us through it and maintained open and honest communication with us from pre-qualification to close. Although I had heard that the loan process was a headache and the most difficult part of ... READ MORE Taylor Vogan Taylor Vogan Director of Operations and Finance
I’ve been sending my buyers to Garrett for years. He has amazing customer service. He gets the deals done on time. Jared Harris Realtor
Garrett and his team at Amerifirst we’re awesome! They walked my family and I through the entire purchasing process. They made it simple and were quick to address every question we had. I would highly recommend Garrett and his team at Amerifirst Financial to anyone looking to ... READ MORE Benjamin Viramontez Client
Although Mike Demke was my primary contact for this financial transaction both he and Garrett did an excellent job at getting my parents financed for their new retirement home. They got the loan approved in the time frame we needed even though it was a tough time constraint. If you ... READ MORE Steven Love Photographic artist
Garrett and his team were a pleasure to work with. They took the time to explain everything and were quick to respond whenever I had any questions. They helped make the mortgage process less stressful. Elizabeth Pirozzi-Miller Program Manager
Garrett as always is a pleasure to work with. My partner and I are not the easiest of investors to work with due to our various international holdings, but Garrett has always managed to get the job done. He is extremely diligent and hard working and Garrett will always be upfront with ... READ MORE Mark Read Investor
Garrett did a fantastic job. I've refinanced and bought property before and dealt with various finance people and Garrett is on top of the list. I highly recommend him for any financial situation that involving real estate. Jorge A Guzman
I just want to thank You and Your staff for all the help you all did in helping me purchasing my home here in Arizona. All of you are Blessing. Sandra Davis
Garrett did an amazing job on getting me qualified for my first home. He is very knowledgable and hard working. I highly recommend him and his team. Ellyn Tonkin First Time Home Buyer
For anyone that's looking to get a home loan and work out a credit repair,I highly would recommend mr.Garret.He took me through the process of buying my house which was very successful. He's very professional and knows his job really well. Jimy Verdieu Med Tech / Caregiver
I cant say enough about the amazing service Garrett provided for my loan approval and subsequent home purchase. My situation was a bit complex but he got me into a loan that was right for me, he stuck with it answered every question I had, he achieved the goal where many others would ... READ MORE Deborah Jane Wynn
Garrett is so helpful. Trying every situation to see what works best for you. Very patient. Love working with him Jacklyn D Mintz Accounting
The overwhelming process of buying a home can be daunting and very stressful; at least, that's what we expected. Our experience, however, was neither of those things. We experienced nothing less than superior professionalism, timeliness and exceptional response while working ... READ MORE John and Diane Borchard
Garrett helped us for over a year to get us ready and then close on our new home. Garrett is knowledgable, helpful, and most of all straight to the point about what needs to happen to make sure we closed on our new home. We highly recommend Garrett and his team. They are great. ... READ MORE Rex Coleman Rex Coleman Buyer
Garrett was awesome to work with. He stays on top of everything, returns calls, emails prompt and is great to talk to when you are stressing out over the craziness of the paperwork process. Would recommend him and use his services again if we ever buy another home. He also has ... READ MORE Deborah Jenkins Domestic engineer

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