Skip to Content


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.


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

Let's accomplish more together.

get In Touch

Back to top