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

November Lunch and Learn / Webinar: Low Down Payment Options For Home Buyers

Money, Money, Money, Money

One of the biggest myths out there is that you need a bunch of money to buy a house.  That’s simply not true.  There are a number of No and Low down payment options for home buyers.  On top of that you don’t have to be a first time home buyer to access many of those programs.    During our next lunch and learn we will cover all the different options out there for buyers looking to minimize their down payment.  Over the last couple years its been harder to get a lot of these types of offers accepted.  However, with the market going back to a much more “normal” state it’s not nearly as hard as it was just a few short months ago.  This is the perfect time for Realtors to reconnect with their past customers and get back out there looking.   Come check out this lunch and learn and get a refresh course on low down payment options for buyers!

Hot Topics We Will Cover

Here is a list of some of the things we will cover during the event:

Visit Jeremy's Blog

Featured Video