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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.


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
Garrett is very honest, knowledgeable, professional and always had a Plan A, B, or C in line.. Garrett was always available to answer any questions I had. I know Garrett and his team worked hard to close my loan. Highly Recommend!!! Anonymous
I dont know where to begin... From the very beginning I have experienced nothing but top notch service from the Garrett Bowlby and his team. This type of customer service is unparalleled. I would recommend AmeriFirst/Garrett and Team to any and everyone!!! They make dreams a reality ... READ MORE Annette Davis Beverage and Chemical Manager / Homeowner
Garrett was awesome to work with. His staff was so helpful and made getting a loan a positive experience. It was fast and easy and pain free. Would refer them to everyone and would use again Kris junas
Garrett was great from start to finish. He was always available for questions or concerns and made the process very easy for me and my family. I would recommend Garrett to my friends and family for their home buying needs. Raul Almanza
Garrett was great! He made the process very easy for us given our VERY complicated situation. He really took the time to help us understand the process and the available options. I will always use Garrett in the future and I will never hesitate to recommend him to my family and friends. David John Creative Director, LJW Inc.
Garrett has been a godsend throughout the entire process of buying our house. He keeps you well informed of what stage you are at in the process and is far too knowledgable for his own good. He will thoroughly work with you and tell you all your options in plain English so that you ... READ MORE Brock Bieker
Garrett's team and especially Garrett himself did a crazy good job of making it possible to buy our first house, 2,000 miles away. Step by step explanation was great, and they always seemed available. When I couldn't easily get everything needed to close, Garrett was there to ... READ MORE Travis Greiner Husband, Father, Mechanic
It was most certainly a pleasure to work with Garrett Bowlby. He was efficient, organized, informative and a true professional how he handled our financial transaction. I certainly plan to reach out to him again if an opportunity arises for me to purchase another property Zafar Bhatti ( Jeff )' style='font-weight: bold' target='_blank'>READ MORE Zafar Bhatti General Manager, Buttes Marriott Resort
Garrett and team did a great job of helping me obtain my mortgage and they did it quickly! We we were ready to close more than a few days before our targeted close date, which was great for my family because we were looking to get into our new home ASAP. Garrett and his team were ... READ MORE Peter Bertuglia Engineering Manager
Garrett is amazing ! He told us in the beginning what he needed from us and because of his attention to detail and professionalism we closed on our house quick and without incident. We have our dream home because of Garrett and we can't thank him enough. Jade M Shelton
Garrett and his staff were a pleasure to work with, even with some bad credit history he found a way to make it work. I would recommend Garrett to anyone, he got me the best rate possible and locked it in. Very professional, awesome team! Sam arnett Contractor
Garrett met and exceeded our expectations. He is extremely knowledgeable, informative and helpful. I highly recommend Garrett Bowlby . Russ Ackerman Certified Master Inspector
Garrett met and exceeded our expectations. He is extremely knowledgeable, informative and helpful. I highly recommend Garrett Bowlby . Russ Ackerman Certified Master Inspector
Garrett and his team did an amazing job! As a first time home buyer they answered all my questions and were able to close earlier than expected. Thank you Garrett and your team for all of the hard work. You all are very much appreciated by the Garcia family! Chris Garcia Associate Director
Amerifirst was recommended to me and I am happy to share with you, one of the best experiences in my life. They helped make it possible for me to become a homeowner. Their knowledgable staff, experts in their specific phase of the process, was straight forward and honest; telling ... READ MORE Renee Harper Teacher
Garrett: Thanks for everything you did to help us get a loan. Your patience with Glenda and me was greatly appreciated. Even when it did not seem we were going to be able to acquire the property you hung in there with us. We also appreciate all the extra miles you and Angela went to ... READ MORE Thomas L Roberts Attorney
Garrett Bowlby did great! The entire team was awesome. I really enjoyed working with Amerifirst to purchase my first home, and would definitely recommend them. Tyleesha Goodson
Garrett and the team at AmeriFirst Financial are amazing! My refi was so easy and quick! this is the second mortgage I have done with Garrett Bowlby and I couldn't be more pleased. I recommend AmeriFirst to all my friends.Thanks Garrett for making this daunting task so fast and ... READ MORE Karen Bloom Karen Bloom Pharmacy manager, Safeway
I work in mortgage and there is a lot going on. Garrett was always there to answer any questions. He even took the time while on vacation to respond to emails, voicemail's or phone calls. He was extremely knowledgeable which you do not find in many places. He was very thorough and ... READ MORE HOUSTON VONKRIEGENBERGH Mortgage Processor
Fantastic service and attention to detail. Definetely my "go to" broker Robert Matheny Physician
I have never met Mr Bowlby but have spoken with him on the phone. He is polite and verbally charming. He seems to know what he is talking about concerning real estate loans. Since my loan went through and the police haven't come to get me, I assume all is well on that score. Charlene Moore customer
Garrett was great in helping me with getting a FHA loan for the purchase of a home. He explained how to improve the credit score and how the process works. He was very courtesy and always responded to my questions quickly. Joseph O'Toole
Garrett and his team has helped me with the purchase of the two houses and each time the purchase was so easy in a very stressful time they made things so easy Thank you Garrett Richard schaar Second time for using Garrett
Garrett and everyone involved in the process were great. All very helpful and pleasant, it was a pleasure to have worked with them. They were always available to.answer questions and kept us up to date on everything that was going on. I would recommend garret and his team for your next purchase Eric Arechiga Eric Arechiga Room chef
Garrett Bowlby was great to work with on our new home purchase. He and his team went above and beyond to execute the loan process as smoothly as possible. Thank You Garrett! Laurie Reding homebuyer
Wonderful experience, the entire team was extremely helpful & professional. Definitely recommend! CC Watson Admin
I worked with Garrett to refinance my house. I was legitimately surprised with how quick and easy the whole process was! This was a completely different experience compared to working with other lenders. I loved the constatnt communication and updates on where we were at in the ... READ MORE Brent Maldonado
Garrett did a wonderful job helping us obtain a home loan. Dianna Manzutto
Garrett and Amerifirst financial are so great! Garrett was extremely helpful and worked around the clock to make it happen. Thank you for being a part of my Homeownership process! Vanessa Stoll Clinical Coordinator
It was awesome working with Garrett. Hey made it easy and as painless as possible. I will recommend him for sure. He is a great person and tries to help you in what ever you need help. Walter Espinoza
Definitely would recommend Garrett and his team. Everybody was very professional and responded to all my emails timely. They always let me know what was going on and I felt confident with the process being that this was my first home. Home closed on time and I was very happy. Minh Van Insurance Agent
Garrett was great through out my loan process. He was on top of things every step of the way. He wasn't asking me for things three and four times. He always let me know what he needed from me. I was even able to close early because he was so organized and on track. Thanks Garrett!! Jessica Williams Jessica Williams
Garrett was great to work with on the purchase of our first home. He was always quick to respond and answer the many questions we had. When problems arose, he was quick to fix them and make sure we were taken care of. Jordan Koford
My experience with Garrett from our first meeting to the closing part of my loan was phenomenal. Garrett and I had some long talks, expectations of what is needed, and really made buying my first home post divorce a great experience. I didn't need anymore stress in my life, this ... READ MORE Kenneth Brackley Procurement Consultant
Garrett and his team assisted me with the financing for my first home and everyone was wonderful. Whenever I had a question or concern, my emails were answered quickly or I'd receive a call from Garrett to confirm that I had no further questions. Going through this process was ... READ MORE Aiyana Phillips Aiyana Phillips Survivor Relations Representative
Garrett Bowlby and his team are amazing!! I was stressed out with the home buying process and he made it easy and straight forward from beginning to end. Thank you Garrett! Robert P Tracy Auto Tech
My Son recently purchased a house from a local builder, It seemed as if he sent the same documents over and over and over. Quite the hassle ! Garrett made everything as easy as it could ever be . I will recommend Him to all my friends !! Jeff Williams Operations Mgr.
Garrett made purchasing of a house easy. My wife and I where pre approved within 20 min after talking to Garrett. After finding a house we fell in love with and after asking for a quick closing. Garrett knocked it out the park, and made it happen a quick close and an easy process Adan Robles
Garrett and his team did a great job answering questions and getting my condo closed early. I will certainly use them for my next home purchase. Joyce Duplessis Accounting assistant
Garrett delivered as promised! I had delt with two other lenders previously that just could not get the deal done, costing me thousands of dollars and lost time. Garrett and his team are honest, fast, friendly, reliable, and very professional. They were there for me from day one ... READ MORE Eric Harris Lead Tech
Garrett was great to work with, extremely knowledgeable, thorough, organized and professional. He made the process as easy as possible and I would not go anywhere else for mortgage financing again. Adam McGhan Office Manager
I met Garrett at my Real Estate office and he is always professional and very knowledgeable about the mortgage industry. When it came time for my husband and I to buy our first home, I went directly to Garrett. He told us exactly what we needed to do to get it done. He worked at an ... READ MORE Cristina Puma Cristina Puma Realtor
This is our second mortgage with Garrett... another quick and easy process. Todd Elliott
To who it may concern, During my experience with Garrett Bowbly and his team they did everything possible to keep me in the loop. Being inexperienced in home buying i had many questions that were thoroughly explained. They found a way to get me the loan i needed (even after a few ... READ MORE Nick Sparrow Tower Tech
Garrett and his team were absolutely amazing. This was my first home purchase and they were always there to answer all my questions and explain things to me. The loan process actually ended up being the easiest part of the entire home-buying adventure. I would not hesitate to use ... READ MORE Jessica Peters
Great service from start to finish. Good communication throughout the whole process which allowed us to close on time. Even with hiccups the last day before closing, Garrett and Angela and their team pulled through after lots of work to make it happen. Highly recommend to anyone! Thanks again! Dave Ryan
Garrett and his team are phanominal! They utilized the team approach when preparing and processing our paperwork. Every team member has a specific task, and all work products were prepared concurrently. How would we rate the fantastic customer service received from Garrett and his ... READ MORE Rick & Kay Lynn Duarte
AmeriFirst Financial Services is the best place to go when you are looking to buy a house. Top notch staff, and keep you informed through the entire process. This is the second time we have used Garrett Bowlby and his team and couldn't be happier with the service. If I ever buy ... READ MORE Debi Danielson
Garrett was extremely helpful throughout the process!! I would not own a home today with his help. Thank you very much for all your help!! Matt colletti Home buyer
Garrett is amazing, for being first time buyers the process was so smooth. Everything was explained to my wife and I by detail and he made sure we understood everything. His assistant Angela is amazing she would reply to my emails immediately and answered all my questions. I would ... READ MORE Alyssa Sandez Medical Assistant
Garrett and staff did a wonderful job getting me approved for my loan. I was never in the dark and always kept up to speed on everything. I would highly recommend AmeriFirst for anyone looking to purchase a new home. Thanks again for the great service. Cody L West
Garrett Bowlby was quick and efficient at getting my loan processed. He got the back to me with all questions I had in record time. All of his staff that I had contact with were professional and eager to help me in my situation. My loan was closed in less than 30 days from the time I ... READ MORE Alicia Penton
i highly recommend Garrett Bowlby and AmeriFirst Financial for your mortgage needs! It had been sometime since I had purchased a home and he made me feel at ease and was confident that he could get me approved quickly. I have owned several properties in the past and have never had ... READ MORE Catherine Ann Bowman Office Manager
Garrett (and his staff) was wonderful to work with on my recent refinance, it was a very quick and easy process! He truly cares about his clients and it shows. Do yourself a favor, use Garrett Bowlby for all your Home Loan needs. Tami Horne Homeowner

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