Loan Programs

Whether you’re buying, renovating, or refinancing, Amerifirst provides a wide array of mortgage products to meet a variety of home financing needs.

Contact us today and we can help you find the right mortgage tailored to your individual needs in three easy steps:

  1. Tell us about your needs: Answer a few questions to help us find a loan option that fits your situation.
  2. Consider your loan options: Review, modify, and compare loan scenarios. Get closing cost estimates, and save your options to access later.
  3. Request a complimentary consultation: Submit your loan options for a no-obligation review.  We can answer any questions you might have. Or, if you’re ready to take the next step, apply with our secure and convenient online application.

Apply Online!

FHA Loan

  • Minimum 3.5% down
  • Upfront insurance fee can be financed
  • Flexible qualifying guidelines

Learn More

FHA 203 (k) Renovation

  • Minimum 3.5% down
  • Flexible qualifying guidelines
  • Financing rolls repairs into your mortgage for one monthly payment

Learn More

USDA Rural Development

  • No down payment option
  • Lower mortgage insurance premiums*
  • Flexible qualifying guidelines

Learn More

USDA Renovation

  • No down payment option
  • Finance repairs into your mortgage for one monthly payment
  • Income and geographical limits apply

Learn More

Conventional Loan

  • Minimum 5% down
  • Great rates for lower payments
  • Unique first-timer options (3% down**)

Learn More

Homestyle Renovation

  • Minimum 5% down
  • Both practical and luxury projects
  • Includes second homes and one-unit rentals

Learn More

VA (Veteran) Loan

  • No down payment option
  • No mortgage insurance required
  • Flexible qualifying guidelines

Learn More

VA (Veteran) Renovation Loan

  • No down payment option
  • No mortgage insurance required
  • Flexible qualifying guidelines

Learn More

MSHDA DOWN PAYMENT ASSISTANCE

  • 1% down option
  • Works with FHA or Conventional programs
  • Options for first time and repeat buyers

Learn More

Numbers above represent fixed rate mortgage examples.
*Comparable to the other loan programs listed above.
**First-time homebuyer refers to a program offered by Fannie Mae.

Latest Blog Post

2022 Webinar and Live Event Calendar

Each year we try and bring relevant education topics to real estate professions.   Below you will find a list of the topics we plan to cover and dates for each.  For each topic we are offering a Live event at the Greater Kalamazoo Association of Realtors and a Zoom Webinar on the same topic the following week.  As the events get close we will have more details just follow the links to learn more and register for the events.

2022 Lunch and Learn Schedule:

Visit Jeremy's Blog

Featured Video