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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.

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.

See what people are saying about us

Rebecca Susanne Riley St. Thomas is absolutely fantastic to work with! She assisted us on our Refinance of our home. Her professionalism and quick response to the process was refreshing. We would definitely recommend Rebecca for any of your financial needs. Melody Shores Business Owner
Rebecca and John were extremely helpful in making the mortgage process less stressful and confusing. They were always available and often responded within minutes to any questions I had. I Highly recommend working with them if you are new to the home buying process. Dalen Livesay Employment Specialist
The AmeriFIrst team was extremely communicative, flexible, and easy to work with. It appeared that they work practically around the clock so getting questions answered and financing scenarios communicated quickly in this extremely competitive real estate market was a snap. I already ... READ MORE Stefan Richter
Rebecca and John made our experience smooth and flawless. We were concerned about being new home buyers and all the things we would need to learn through our process and they made it so easy. Would recommend them to anyone. James Hetzel and Kathleen Noriega
Rebecca and John were fantastic to work with! They were recommended by my realtor and I'm glad they were. As a first-time homebuyer, they answered my many questions along the way. They are highly-responsive at all hours (evenings and weekends) and quickly supported me as I made ... READ MORE Maddie Anderson Marketing
She and her team were wonderful to work with! Michelle Sedlacek
John and Rebecca at Amerifirst were amazing. Always punctual and knowledgable with our many many questions. Joe Grier
Rebecca and her team couldn't have dealt with more issues in the most wonderful way. After a long and brutal divorce, Rebecca was able to put up with all the court issues, the numbers changing a billion times and went above and beyond to make sure that everything went well. She ... READ MORE James Mills Managing Director of Commercial Assets
I can’t say enough positive things about working with Rebecca. Extremely responsive and easy to work with. She was patient with me and educated me through the entire process from loan application through close. Thank you Rebecca! Robert Michael Casanova Director of EngineeringEngineering
Rebecca, John and Gina were such a pleasure to work with on our recent refinance of our home. We had a very challenging case and had to clear up several items throughout the process. Rebecca took the time to personally call me to reassure me that the issues could be fixed and John and ... READ MORE Nanette Gillispie Nanette Gillispie
I never interacted with Rebecca, I only interacted with her son, John. John was very responsive and helpful. Since this is a recommendation for Rebecca, I have given her 2 stars based on the premise that never interacted with her nor got to know her. She must have been too busy for me. ... READ MORE Arizona Buyer
Recently I've had a few poor experiences with large financial institutions . When I decided to re-finance my primary residence for a lower rate, I got in touch with Rebecca who was my Loan officer once 5 years ago. I am so grateful I did and for their exceptional service and ... READ MORE Lyall LaHatt
Rebecca and John made the process so easy. They were responsive and available for any questions we had. Great team to work with. Camilla Titterington
Rebecca and John are great! I have sent multiple client to them for their loan needs and always with great results. They just recently helped refi my mothers property. Super fast, friendly and prompt service as usual. Highly recommend!!! Steven K
Rebecca is an outstanding professional. She took all the time necessary to guide me through the VA loan process which made buying my first home a educational and great experience. I would highly recommend her to friends and acquaintances who are in the home-buying mode in Mesa, AZ, ... READ MORE East Robert Retired, US Army
Rebecca and her team did a fantastic job during the refinance of my house. They were attentive, quick to respond, and clarified every step of the process so I understood what was happening and when. They even exceeded their own time frame and got the process done quicker than expected. Erik M Wong
An absolute life saver ???? Bless You Orris Jay Bucher Orris Jay Bucher Registered Nurse in the OR
I wanted to say thank you to Rebecca, John, Gina, and everyone else at Amerifirst that helped secure our home loan on time to close. Rebecca and John were always available for any questions I had via email, phone or text 7 days a week. The work you all do there is the reason why I ... READ MORE Dane Pebler
Buying a home is stressful and Rebecca made it easy. Rebecca was amazing to work with. She is so responsive and great at what she does. 12/10 would recommend Rebecca! Kait Duley
I was satisfied in my dealings with the company re/my loan and mortgage payments. Kathleen D Brown
Rebecca and her team are knowledgeable and efficient and communicate well throughout the mortgage approval process. I think it would be helpful to applicants to receive a list of documents that might be requested and a five minute tutorial of sorts to help us understand, up front, why ... READ MORE Barbara Roberts Grant Development Consultant
Rebecca is awesome, I only deal with her on these transactions. I have used her multiple times and will continue to do so in the future. She knows how to get the job done so well and she provides seamless service. I would definitely recommend her and her team!!! Taunya V
I am very happy for the hard work That Rebecca did for me. It would be an honor for me to recommend them highly! Brooke d Peltzer
This process was efficient and effective. Got a good rate. Would recommend Rebecca and her team! Chris Redding
Had an awesome experience! First time home buyer, they answered all questions I had very quickly. Thanks! Mark Biel
Rebecca and John did an excellent job in helping us secure a home loan for a property in Arizona. I don't live in the state, and her team was able to help coordinate a lot of the details that can be more difficult over long distance. I appreciate her help in getting a great rate ... READ MORE Victoria Miller Senior Producer
Rebecca and her team are just terrific. We sat down and worked through some solutions and she was quite attentive. Helped us understand everything and stayed on top of follow up! It was a pleasure working with Rebecca, her team and Amira first Cassie McClenaghan
Rebecca, John and Gina provided outstanding customer service during the recent home loan process. They were so organized and met all of the deadlines for closing. They made what could be a difficult process easy, especially during a time when the demand for mortgages has been so ... READ MORE Wynne Angell
Rebecca and her team were wonderful to deal with. They're response was always timely. They worked diligently on making sure we got the best and lowest rates possible. I especially want to say how wonderful Gina Neves was! She was not only kind and responsive during the process, but ... READ MORE Jeffrey Shapiro Owner
I am a high-tech CFO and in addition to closing numerous financing rounds I've also bought and sold several personal properties. My experience with Rebecca and her team could not have been better. It all started with her setting proper expectations. She was clear with me that she ... READ MORE Kelly Hicks Chief Financial Officer
Rebecca helped us get some of our mortgages when we purchased our seven rental properties approximately seven years ago. She and John contacted me recently to let me know that the mortgage rates for investors finally dropped enough for us to refinance. I pay extra on the mortgages in ... READ MORE Tresa Ransom Owner/Operator/Manager of rental properties and fireworks stands
Excellent work and highly recommend this team for home loans! 😊 Terah Keen
Rebecca and her team helped me with my recent home purchase and she was amazing to work with! She responded quickly to all my questions, provided helpful information to guide me through the finance portion of my home purchase, and the information she gave me was accurate. Throughout ... READ MORE Jonel Onaga
Can I give them more than 5 stars? This is the second home we've purchased with Rebecca and her team. They were always quick to respond and answer any questions along the way making the process as painless as possible. Rebecca met us during our closing meeting and brought ... READ MORE Cory S
Quick and easy process. Everyone I spoke to was very knowledgeable and pleasant to work with. Heather Ashcraft
Rebecca and John St. Thomas did a great job!!! We love them and couldn’t be happier...our loan process went smoothly. Dawn DeAcetis-Aquino
Rebecca and John made our refinance experience fast and painless. Their response to my many questions and concerns were met with speed and professionalism. John was always quick to respond to my e-mails and phone calls, and was ready to assist in any questions that might arise. Karen J Busch
Rebecca did an amazing job of making sure that all of our options were clearly provided, we understood every thing and had all questions answered and were able to make a clear decision on our mortgage funding. Erik Busch Hr Generalist
John is absolutely the best. Kept in contact communication every step of the way. I'm grateful he reached out since I was in process of refinancing and didn't think of Amerifirst since they originally helped with my first mortgage. Definitely recommended and next time they will ... READ MORE Alejandro Oliver TM
Both Rebecca and John are not only the nicest team to work with, they truly care about working hard for their clients to make sure their needs are met. I will recommend them any chance I get. Thank you for all you've done for me! Sheron Rawls
Great team to have the pleasure of helping me buy my first home a few years back and now got my home refinance for a better rate. Gave them all they needed and they took care of the rest. I'm happy with the results and I'm grateful you guys helped me out when the previous ... READ MORE Jose Rodriguez DSC
Rebecca & John are absolutely amazing. They helped with my home purchase and was available anytime I needed. Gina was absolutely helpful with any documents I needed and guided me along the way. I will be recommended them to everyone I know! Ashley Vollmer Buyer
I Never write a recommendation , but having Rebecca Susanne Riley St. Thomas handle my home refinancing was the easiest and most professional transaction I've had done in along time. I truly recommend Rebecca, She is a true and honest Professional. Thank you Rebecca for all you did for me!!! George F. Elias Jr. Retired
Rebecca made herself available in the evenings and weekends if I needed her. She was always very pleasant to speak with. She was able to help me in record time obtain a loan at a great rate. From my application to closing was less than 30 calendar days. I have purchased 11 homes ... READ MORE marc minkus marc minkus President of Minkus Consulting Inc.
Rebecca came highly recommended and didn't disappoint. She communicated every step of the process while purchasing our home. Even up to the last hour, she was working hard to make sure deadlines were met. I will continue to refer future business to her and AmeriFirst. Scot Benner Pharmacist, Realtor®
I would definitely recommend working with Rebecca Susanne Riley St. Thomas for your mortgage or refinance needs. She is professional, honest and thorough and ensures the process is smooth and stress free. Thank you, Rebecca for all of you and your team's efforts and assistance with ... READ MORE Christine Knierim
Rebecca and her entire team were fantastic to work with. They are responsive and professional. They even recognized a discrepancy we didn't know about on our credit report and helped us get it taken care of before our refinance, which allowed us to get a lower rate on our loan. ... READ MORE Jen M
This is a great group to work with! John and Gina were great to work with. They were quick to respond to questions, and great communicators! I have used AmeriFirst with Rebecca St. Thomas and John St. Thomas twice now, and was very please both times! Kameron Shelsta Account Manager
From the first initial appointment to the final day of signing I must say this experience with Rebecca and her team has been flawless. Every step of my home purchase has been so precise and smooth!! Great communication, great follow-up and made this all so enjoyable! Also, I cant ... READ MORE Mary Green
My positve experience with Amerifirst was indeed more than just a successful refinance endeavor. In contrast to merely having to undergo the unpleasant frenzy of gathering personal legal documents and archived peperwork, I was carefully guided by a team of competent and knowledgeable ... READ MORE Donna Milazzo Another Satisfied Amerifirst Client!
Rebecca was excellent throughout the entire process. She helped me attain my dream of owning a home and was with me every step of the way. She also helped me secure down payment assistance to help lesson the financial burden. I highly recommend working with Rebecca! Joe Bisaccia Happy Homeowner
Rebecca and her team did an amazing job with processing my loan. They were always helpful when I had questions. They responded in a timely manner, and was always professional throughout the entire process. They kept me informed through every step of purchasing a home. They made my home ... READ MORE Janelle Collins Customer Success Team Lead
Rebecca and John saved the day for my wife and me. The first lending company we started with failed to respond to us when we really needed it to secure the home we wanted to purchase. Our realtor recommended Rebecca and we are very glad. My wife and I had an immediate response later in ... READ MORE Kevin Krell BA
Rebecca and her team were great! They answered every question and concern with prompt attentiveness! Thank you so much for everything! Kristti Schaa
Rebecca and John always deliver! You can count on what they say will happen. This is helps me keep my clients happy and helps my business JANICE GALVIN REALTOR
I was introduced to Rebecca by my real estate agent Joel Aguilar. Going through the home buying process with her on my side was nothing but stress and worry free. It was also thanks to her connections I believe that I was able to buy my first home in Phoenix in this crazy hot market. Martin Patino Engineer
They did great good job thanks for everything you have done for me. I can start living the life that I thought I never had thank you so much. Jeremy Richard valliere
Rebecca did great on helping me with financing for my new home. Was always available to answer questions. Shawn Maxwell Senior System Administrator
I was first introduced to Rebecca in 2018 when I purchased my current home. I was so impressed with the service I received from her and her team, that when I decided to refinance and take advantage of lower interest rates, she was definitely who I called. And for the second time I ... READ MORE Robert Simon Shift supervisor
Rebecca was very helpful every step of the way and answered all my questions. Rick Keene
Rebecca and her team did a wonderful, wonderful job in getting us into our new home. This was an extremely stressful time for us as the move was necessary to get a larger home to accommodate our 94 year old mother. Rebecca and her team's compassion, understanding, and patience ... READ MORE Theresa W Hale Happy and Elated Homeowner
Rebecca and John are knowledgeable and oh so friendly. I enjoy working with both of them both personally and professionally with my clients. I can count on them to help my clients through the process of purchasing a home even if they need a little credit repair. They keep us all ... READ MORE Bonnie J Shelton Bonnie J Shelton Realtor
It was nice to have someone that was very knowledgeable with V.A. loan process Rebecca and John were always available to answer any question and made is easy to apply with the Doc-u-sign e-mail reply. The covid pandemic has really put things in an unknown future for the buyer, Rebecca ... READ MORE Mesha & Claiborne Johnson Waste Management Driver Trainer
Due to the Covid crisis and extraneous variables during this time Rebecca and I have never officially met. Throughout the whole time I have worked with Rebecca and the Amerifirst team they have been exceptional. The professionalism and patience I experienced with them during a very ... READ MORE Autumnrose Trotter Home owner
The Rebecca Riley St. Thomas team did a great job getting us through recent refinance process. The team is efficient and able to answer all our questions, concerns to our satisfaction during the process! Jeff and Jane Daley Real Estate Sales
It was such a painless and easy process from start to finish. I highly recommend. Tylor Provot
It was such an easy process for me, but I'm sure a lot of hard work for Rebecca and her team. They really made me feel inform and comfortable with the options available for me to refinance my place. John and Gina thumps up! Always a pleasure working with AmeriFirst team :-) ... READ MORE Ruben Multimedia Developer
Rebecca & John are simply amazing! They both go above and beyond to explain the mortgage process and make sure their clients understand! Totally recommend! Felicia
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

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