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State License: AZ #911911

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.


I originally worked with John and Rebecca to purchase my first home three years ago and then again on my recent refinance. I am once again blown away with their professionalism and knowledge of the industry. They are extremely responsive to emails and make you feel like you’re ... READ MORE Emily King Accountant
Rebecca and John were amazing and helpful in every way while assissting us in qualifying and buying our new home. Kirsten Mora Home Buyer
I want to thank Rebecca for her outstanding performance, her complete professionalism and particularly her problem solving skills. My wife and I had been attempting to buy the house we were renting for close to a year and after 2 loan officers and 1 investor program no one could get ... READ MORE Gary Duane Lawrence President / Owner
Rebecca has been my loan officer for 2 home purchases and a recent refinancing. I could not be more pleased with the support and response from Rebecca and her team. Mike Lundeen
Rebecca and team did a great job shepherding us through the entire process. It was exacerbated by the pandemic, but they kept everything in line and us informed - we really appreciate it! Greg Calahan
Rebecca and her team were so easy to work with and extremely thorough. They all worked extremely hard to not only help me with my first home purchase, but they went the extra mile to make sure I understood everything. They were always on top of everything. She had so much patience with ... READ MORE Colton Hawkins
When I decided to refinance my mortgage, a realtor friend recommended Amerifirst. It was by far the easiest process I have experienced when dealing with a mortgage company. From start to finish everyone I came in contact with were kind, courteous and very thorough as well as experts. ... READ MORE Mary Allen Mary Allen
Rebecca and her team are amazing to have working on your new home purchase or refinancing. We used them for both times and it has never been a struggle of time or documents lost etc.. any questions you have they're available within a timely manner. I highly recommend them. I ... READ MORE Rachel Hernandez
Rebecca is extremely knowledgeable about the lending process and often explained to me in very clear language just what was going on at every step of the way. I very much appreciated her patience and diligence. And she's so easy to talk to, and easy to get ahold of! If I called ... READ MORE Rod Barlow "buyer of a house who needed a loan"
Rebecca was very prompt in helping us with our re-finance. If we had questions she was quick to respond. Items we needed to submit were asked for in a timely manner in order to keep the process moving. I would highly recommend Rebecca. Paul Nelson
My refinancing experience was beyond great. Rebecca Riley St. Thomas made my refinancing an easy, no worry, no hassle experience. I trusted her completely. She went above and beyond to make sure my family was taken care of. She has many many years of experience and it shows. Her ... READ MORE Jennifer Sofka Salon Owner
Rebecca explains everything so well. She goes above and beyond to any questions you have. Angie Driver Grocery Retail
Rebecca and John handled the financing of my home purchase in 2017 so it was a no brainer to have them handle the refinance in 2020. From the initial phone call to the day the papers are signed they make the process as seamless and painless as possible. They are always available to ... READ MORE Brent Graef Director of Operations
Rebecca and her team were amazing and helped us buy the true “house of our dreams.” She was exceptional to work with!!! June McHugh & Tom Gould June McHugh & Tom Gould
The process was great Iris anaya
Rebecca and her team did an awesome job for us. Would highly recommend them if you are purchasing a home. Laura Baranowski Laura Baranowski
Best customer service experience you can find. Rebecca and her team go above and beyond to make sure you are taken care of! I wouldn't have my home without them. Virginia Walton Area Supervisor
She really knows her stuff! Candace Spurlock
Rebecca is a very conscientious,knowledgeable,considerate,helpful professional and so very easy to work with! Also the sweetest person that has the morals and values you can depend on and trust! MC & Debbie Rosselott
Rebecca and her team were very responsive and helpful throughout the entire process. We appreciate the support and would recommend to anyone the services Rebecca provides. Bill Pettit
We had a great experience working with Rebecca and John! They were very detailed, thorough and responsive. It was the easiest and fastest mortgage experience we’ve ever had. In the future, we will be sure to use Rebecca again! Jared Porter
Rebecca has been wonderful to work with. She's responsive and extremely helpful. We bought our home two years ago and she made the process painless! We recently refinanced that same home and she and her team worked tirelessly for us from start to finish. I am so grateful for ... READ MORE Monica Meyers
I Can only say in these words how effective, precise, mannerism, professionalism that I experience working with Rebecca St Thomas was like no other. I highly recommend her service because it is at the top of the 10 that I have ever came across. It is a true life experience you have ... READ MORE Michael Brown Tech Consultant
Rebecca did an excellent job and was with me and my family every step of the way. She was always ready to answer questions and put in 100% effort. I also appreciated her personal touch, as she offered to make home visits and worked with my busy schedule. Very easy to work with, kind ... READ MORE Shana Feinberg Resident physician
Rebecca and John are consummate professionals that also add a very real and human touch to the home-buying process. These two aspects are often presented as existing in a "complementary balance" as if an excess of one implies the dimmunition of the other. In the case of ... READ MORE James Baskind
Rebecca did a great job guiding us through the loan process! Her whole team helped us keep on track for a successful close of escrow. We would highly recommend Rebecca and John St.Thomas , as they are experts in the Lending process! Debbie Roberts Debbie Roberts Realtor The Robert's Team
Rebecca and her team was amazing. They kept me informed and answered all questions in a timely manner Keshia Pollard Medical office supervisor
Rebecca and John have served my family, my clients, and now myself. I am extremely pleased with their sense of urgency, expertise, and positive all-around demeanor. Thank you for a wonderful and smooth transaction - yet again! Nicole Heaps Realtor
Rebecca is the consummate professional. She consistently exceeded our expectations throughout the process of refinancing our current loan. Her and John were extremely helpful and were able to process our loan in a very timely manner. Would highly recommend them to anyone that is ... READ MORE Mike Ryan Chief Operating Officer - Troon Golf LLC
I highly recommend AmeriFirst and Rebecca Susanne Riley St Thomas for everyone who wants to purchase or refinance their home. Was an amazing pleasure working with her . She is the best and thank you so much for all the work. 😊 Naomi Amalia Drotar Naomi Amalia Drotar Alteration manager
Rebecca and John helped us on every step of the process by explaining and answering any question we had, specially since we were first time home buyers. Thanks to them and the whole team we are now officially happy home owners!! Norman A Mendiola Operator
We’ve completed a couple deals now with Rebecca and John. They were transparent and trustworthy throughout the entire process; we always felt they had our best interests in mind. I would recommend them to anyone without reservation. Nick Tobey Nick Tobey Senior Director at U of A
Wonderful customer service. Always there when I had questions and was very patient. Always available to answer phone calls and quick to get back to me. I highly recommend Rebecca. Lynette Duplechin Administration Assistant
We had a fantastic experience working with Rebecca and Thomas right from the beginning. What looked like a lot of work was made much simple to us. Rebecca answered all our questions and made us clear about what we’re doing. She got us the good rates and still kept checking ... READ MORE Richard Bernard Richard Bernard
I am so greatfull to Rebecca for making the purchase of my new home so easy for me. I live in California and I will be moving to Phoenix soon. Rebecca helped me to close on my new home by helping me to sign all the paperwork online. Carolyn Sugimura
Rebecca is Very Sharp, Knowledgeable Loan Officer!!!! She proficiently led me thru the steps needed to acquire this loan... Rebecca is 2nd To None especially pertaining to VA Loans. She knows them inside and out... Her and her Team were always on top of everything that needed to be ... READ MORE Terry A. Horne Structures Test Technician for Boeing Test & Evalulation
Rebecca and John made buying my house as smooth sailing as they could everything went as planned and we closed one week earlier than expected .I would recommend using them to any of my friends or family. Mr and Mrs Herbert Adams buyer
Rebecca was awesome! She guided me through the whole loan process and answered all my questions without hesitation. I'm so grateful for all her help - definite five stars! Her son, John, was so great too. He truly deserves recognition for all his help, patience, and guidance, as ... READ MORE Mia Merrill
I was a first time home buyer , nervous about the process yet Rebecca was there every step of the way. I had several questions throughout the process and she was always accessible. Rebecca, was, honest, direct ,transparent and always professional. Rozelia Felton
Rebbeca and John were amazing to work with through the loan process. They were always able to answer any questions I had in a timely manner. If you want to have an incredible and stress free buying process, you should work with Rebecca and John! Kevin Ryan
I will recommend to friends in future . Thanks for your help! Flor Hernandez Senior Provider Rep
Rebecca made buying my first home a breeze! She was recommended to me by a realtor that I had previously worked with. From the first meeting, Rebecca was honest with me and told me what I needed to do prepare for home ownership. We discussed my finances and how I could be in a better ... READ MORE Korey Burns Buyer
Rebecca was recommended by my Realtor and from the time I called her it was a great experience. Rebecca and John met with us for the preapproval process and going forward everything was done in a very expedient way. All of our questions were answered in a timely manner. They are a ... READ MORE Dorothy A Wurster
Rebecca and her team worked like crazy to get our home to close the same day our home in California closed! Thank you very much :) Beth gillesby Buyer
Rebecca and John were an absolute joy to work with! They made the process of buying my first home completely painless and they were there with me every step of the way! I would absolutely recommend them to anyone. Annie Jordan Registered Nurse
Rebecca is a joy to work with and very professional, but best of all she is able to find just the mortgage that works best for her clients. I recommend her to anyone looking for a mortgage. Tammy Lawrence Tammy Lawrence Realtor
I would highly recommend Rebecca and John to any of my friends and family. Going through the loan process can be very stressful but they walk you through the process and cheer you on when you get a bit overwhelmed. I am sure I was a challenge but they and their staff were very ... READ MORE Brenda Gilbert-Sanchez
I would highly recommend Rebecca and John to any of my friends and family. Going through the loan process can be very stressful but they walk you through the process and cheer you on when you get a bit overwhelmed. I am sure I was a challenge but they and their staff were very ... READ MORE Brenda Gilbert-Sanchez
Rebecca was a great help in the process of buying my first home. I came in with little knowledge about the process, as my grandfather is the last person in my family to have bought a home, and that was almost 30 years ago. She was extremely helpful in guiding me through the process and ... READ MORE Tiana Hans Clinician I
Couldn't have been easier, Rebecca and her staff made the transaction stress free. Explained terms so we could understand them. Rebecca and her staff were a pleasure to work with. Thank you to all. Greg and Rita McCarty Greg McCarty
I was incredibly grateful for all the ways in which Rebecca and John, her son and partner, walked me through the lending process. I had a lot of questions and needed clarification on some items and they were both helpful and patience. Great team to work with. Tarja S Online Marketing
Rebecca St Thomas and her son did a great job for me and my family. I would recommend AmeriFirst to all my family and friend. They mad so easy and were always there to answer any questions. I want to thank them so much for all there hard work and effort. James Morones Probation Officer
Rebecca was recommended to us by our realtor and provided professional services for our home buying needs. She was available for questions and kept stress to a minimum. She managed a tight closing deadline which got us into our home quickly William Yanagisawa Division Manager
Rebecca was fabulous!!!!! She made my application move through smooth as silk. She answered all of my many questions and helped me stay the course. I highly recommend Rebecca for your mortgage needs. Chris Erickson Business analyst
Rebecca and John St. Thomas were so amazing throughout the entire process of purchasing our first home. From the first meeting to the day we closed, they were incredibly kind and helpful in explaining all of the details of our loan. They treated us like family, checking in with us ... READ MORE Tracy Thomson Tracy Thomson
Thank you Rebecca for getting us into the perfect home for our family! You made the process so easy and you were always available for anything we needed to know along the way! We highly recommend you so appreciate you and your services! Jim and Terry Jim and Terry Ochoa
Rebecca was professional, friendly and looked at all the best options for our loan. In my mind she went above and beyond in service. Being a former Realtor I have met many lending professionals and Rebecca is top notch Connie James Retired
Rebecca did a fantastic job of assisting us with our purchase. She was friendly, efficient, and organized. I would recommend her to everybody who needs financial assistance. She was available at any time to explain or help with whatever was going on. A very pleasant experience indeed! Sue Maurer Loan client
I just recently got my first home loan. The team at American First Financial was very helpful. John and Rebecca went out of their way to make things easy for me. They meet with me after hours and on weekends due to my crazy schedule. They answered every question and went above and ... READ MORE Lisa Carter Loan Client
The process of buying a home is a an anxiety packed roller coaster. With John and Rebecca's help they calmed the butterflies and explained my many questions in digestible terms. All in all for my first home buying experience id have to say I couldn't have done better. They ... READ MORE Sean Carter Fabircation Insepctor
This team was fantastic for our family. We were moving across the country and they made everything easy for us from afar. Trying to purchase a home 2500 miles away seemed like a daunting task, but Rebecca and John made it easy for us. We only came out once to look for houses and the ... READ MORE Ahren Graham Comptroller
This was my first home purchase & it was a smooth process. Rebecca & John were a great team in assisting me from start to finish. I met them face to face the first time to get the deals on what would be required to qualify. After that most of the communication was emails or ... READ MORE Lynda McCree
I recently closed on a new home, Rebecca and John St Thomas were a great team to work with and always kept in contact throughout the process. I had several questions on the purchase, Rebecca and John were always available to call and walk me through the answers. Great smooth and quick ... READ MORE Chet
Timely efficient transaction from start to finish. I would recommend Rebecca to family and friends. Nicole Pontarelli Office Supervisor
I’d like to thank Rebecca and John for their outstanding work and professionalism as they helped us with our home loan. We felt cared for and knew we were in good hands along the way. Very knowledgeable and available when we needed them. Thank you! Dan Lehner Teacher
My journey of finding a home took a little over a year and Rebecca and John were with me every step of the way! Their communication was outstanding and immediate. They responded quickly and answered all of my questions. Step by step they walked me through the home buying experience ... READ MORE Linda Hix Wholesale Specialist
I was buying a condo from out of state and had a tight schedule to choose a property, get pre-qualification and financing, and to close. Rebecca made the process easy, kept me informed every step of the way and followed through on everything she promised. There were no surprises at ... READ MORE Christine Kofron managing veterinarian Animal Hospital of Worthington
Rebecca was great to work with. She helped me through the process as well as John. Very responsive when it came to communicating with questions. They also assisted me with improving my credit before I bought my house. And now I have been in my house a week and am very thankful I had ... READ MORE Matthew Melone Product Specialist
Our realtor 'Miriam' referred us to John to help finance our vacation home in Arizona. From the first phone call to the followup 'dumb' question stage at and after closing, we received first rate, responsive and professional assistance. The process went without a ... READ MORE Lynn M & Meredith Myrick Lynn M & Meredith Myrick Attorney at Law
Rebecca was helpful,efficient and wonderful all around! Great to work with and made everything go smoothly. Thank You!! Joan Luethe
Rebecca and son, John St. Thomas , did a great job of papwework and other details needed for my home purchase. Zero complaints!!! Karen Swaine Retired
Both Rebecca and John were extremely helpful in getting me through my closing. I don't know what I would have done without Rebecca. She and John explained each step in detail. In fact, they basically held my hand through the entire process. I want to thank them both and all the ... READ MORE Kathleen Burris
Rebecca was very helpful throughout the mortgage process. She was accessible and responded to my questions quickly. I especially appreciate that she was present for the final signing at the title company, which was a special surprise. I would certainly recommend her and her company . Karen Trog
Rebecca St Thomas and John St Thomas did a very excellent job helping me get qualified for a mortgage when other mortgage companies did not want to go the extra mile. Rebecca and John were there with me all the way and I truly thank you and I will recommend friends and family in the ... READ MORE Donovan Hall Lead terminal operator
Rebecca and John were a pleasure to work with. As a first time home buyer, I was very stressed and anxious going into this process. Rebecca and John answered all my questions and helped me to understand the process of home buying fully, prior to making any decisions. I respect their ... READ MORE Paula Hassman
Rebecca and John were great! They were always available and willing to answer my questions or explain things that I didn't understand. Being a first time home buyer, they made my overall experience very easy! Catrici M.
Rebecca and her team at Amerifirst Financial were so fantastic! Her and the team had the highest integrity and prompt communication the whole way through. Thank you so much Rebecca you are amazing! Shane & Ainggie Whitney Shane & Ainggie Whitney Chef de Cuisine
We have worked with Rebecca twice now (once when we were buying a home, and once to refinance) and she is fantastic. She explains finances in a way that even I can understand! She is patient, helpful, and professional to a t. At this point we would never go anywhere else. Dan Fox Clinical Director
Rebecca did a wonderful job in securing our loans for our 2 rental properties. We had to obtain 2 loans in a short period of time to avoid some tax penalties. She was able to get the loans amounts we needed. We were able to close on time and secured loans that covered the closing ... READ MORE Gordon Miller Business Analyst
Can't thank Rebecca and John enough! Start to finish a great expierence! I never thought I could afford a home due to extenuating circumstances. But with Rebecca and her team it actually all came together and I now I am a proud home owner., Rebecca was friendly, professional, and ... READ MORE Karen Sanders Karen Sanders Artist/sales
Rebecca not only got my credit score up and where I needed to be but was very patient when it came to all my thousands over questions:) I highly recommend her and when buying in the future will have her help me again and be referring her to everyone I know. Michael Stanger Buyer
Since we are in hospitality we have moved on average every 3 years around the country. This means we are buying our selling a home often. Purchasing a home usually when it comes to financing is the worst experience. The endless asking for more and more ........and even more things ... READ MORE Terry Bauer GM Castle Hot Springs
From the time I contacted Rebecca’s office to the completion of the process, Rebecca and her team were so professional, friendly and supportive. I felt like I was in good hands and confident of a good outcome! Susan Lee Susan Lee
Let me start by saying first that Rebecca went above and beyond. Being a first time home buyer you don't know what to really expect, Rebecca made my Wife and I feel so comfortable and confident in buying a home. Every question we had answered, Every bit of information for the loan ... READ MORE Matthew Martin Sales Manager
Great job by Rebecca and her entire team. Highly responsive, excellent and timely service and helpful in whatever was needed. Highly recommend her. Scott coleman VP of Product Development
My new home build mortgage was processed through Rebecca Susanne Riley St. Thomas Senior Mortgage Loan Officer, AmeriFirst Financial, Inc. The entire process  Incredible..! I value the human aspects in each consultation. Thanks to the care, support, professionalism, and your ... READ MORE Brian Summerhill Brian Summerhill Home Owner
Not only did Rebecca work extremely hard for me and under a time constraint, she is the nicest and sweetest person! Rebecca genuinely cares about her clients and she was a great support to me when buying my first home. She truly went above and beyond and I could not have asked for a ... READ MORE Melanie Bartnek
I really appreciate the hard work, easy transition and most of all the rapid service that Rebecca and her colleagues provided such a wonderful experience of buying our home. John M.Thurman Client
I've been a Realtor since 1981. Rebecca is one of the hardest working and honest loan officers I've had the chance to know and work with!! She knows her stuff and will do a great job for you no matter how big or small your loan!! Dina DeAcetis-Francis Dina DeAcetis-Francis Realtor @ Realty ONE Group / Investor

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