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.

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FHA Loan

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

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FHA 203 (k) Renovation

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

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USDA Rural Development

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

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USDA Renovation

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

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Conventional Loan

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

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Homestyle Renovation

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

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VA (Veteran) Loan

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

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VA (Veteran) Renovation Loan

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

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MSHDA DOWN PAYMENT ASSISTANCE

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

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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

Buying and Financing Rental Property 2022 Event

July 2022 Lunch & Learn Event and Webinar for Realtors and Investors

Working with home buyers searching for a new primary residence is a totally different game compared to working with investors and rental property.  Sure, there are similarities, but what want-to-be home owners care about is different than what an investor cares about.  Frankly, for an investor, it’s all about the money and it should be.  When someone purchases a rental property they are essentially running a business.  If we can help them run a successful business and turn a profit they will likely come back and buy more properties.

There are lots of want-to-be investors out there and the hardest part is getting started.  We are going to help unravel the maze.  We will also look at long term planning.  Often just knowing what needs to happen to acquire the next property and the next one after that is one of the keys to success.  Owning rental property can be a great way to build wealth and we are here to help.

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