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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.


I was introduced to Mr. Koon 2 years ago about possibly obtaining a home loan. However due to employment circumstances the timing for a home purchase had to be delayed. I asked Tom to contact me in a couple of years. So fast forward to 2 years later, Tom was right on time. Tom ... READ MORE Edwin Gutierrez Sr. Estimator / Project Manager @Hill International
Tom is always available to take time with my clients and he stays on top of the transaction to make sure everything is taken care of so we close on time. Eric Duffin Eric Duffin Realtor with Long Realty
Tom Koon is by far the very best at what he does! I have known Tom for over 20+ years and during this time not only has he worked with many of my Buyer's but he helped me secure a Loan for my current Home. If you want outstanding service and value and a good night's sleep, ... READ MORE Daniel McCann Daniel McCann REALTOR
I highly Reccomend Tom Koon, Amerifirst, as The most experienced Motgage Broker, that I have had the pleasure of working with, in 25 years plus, of Real Estate Experience. I have known Tom within the Real Estate Community since the 1990’s. He is without a doubt the best ... READ MORE Elizabeth Gaynor Elizabeth Gaynor Russ Lyon Sotheby‚Äôs international Realty, Associate Broker
Tom has always taken great care of our needs on financing projects over the years and I would highly recommend his services Brandon Niskanen Member
I forgot his 5 star rating! Celeste Fitzpatrick Realtor
Tom Koon at AmeriFirst Financial has been taking care of our buyers 100% and we have all been thrilled at closing the loan on time and accurately! Depending on an experienced Loan Officer, like Tom Koon, is so important to keep a deal together and not end up with dissapointed clients! ... READ MORE The Mark and Mel Team The Mark and Mel Team REALTORS with eXp Realty
Tom has facilitated my personal loans as well as those of my family and clients. His attention to detail, as well as client "hand holding" is why I continue to recommend Tom to those requiring Financial Services. He even shows up at signings. His personal attention goes ... READ MORE Celeste Fitzpatrick Realtor
If anyone is looking for superior service with a well-qualified man that is knowledgeable and well recommended throughout the valley Mr. Tom Koon is your man. I Refinance my mortgage with him and every time I went to see him he had a smile on his face and always made sure all of our ... READ MORE Domenick Galindo Domenick Galindo
Tom was super helpful during our entire home buying process! He was always available and even got us to close early!! Thank you Tom!! Amanda

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