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 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 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

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

Renovation Lending Event For Realtors: 10/13/2021

Having Trouble Getting FHA, RD, and VA Offers Accepted?

Your Clients Have Options!
  • Do you have Sellers not willing or unable to do repairs?
  • Are your Buyers frustrated with Cash/Conventional only listings?
  • Unsure about accepting renovation financing offers in this sensitive market?
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