ABOUT DAVID RAMIREZ
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.
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.
Estimate your Monthly Payments
- Principal & Interest $949
- Property Tax $250
- Homeowners Insurance $58
- Mortgage Insurance $84
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.
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.
Mortgage Length Calculator
This calculator will help you to determine your savings if you make larger monthly payments.
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.
Very professional and dedicated to helping clients achieve their dreams of home ownership. He literally worked around the clock to support, and when roadblocks presented, he demonstrated extreme resourcefulness. Many late night and evening hours. Was very satisfied with his services.
We were looking for a house back in 2016 and after contacting several professionals, thru a friend recommendation we got in touch with David. He made the process smooth and painless for us. We were living in our home sooner that we expected. The big surprise was that two years later, ... READ MOREAccounting manager at APS Lighting and Safety Products
We met Mr Ramirez in 2017 when we wanted to refinance our home. David was very thorough with us, especially with the paper work. He informed us what options we had and how they would help us. We were able to close in less than a month just like Mr Ramirez promised. So if you are in ... READ MORErespiratory therapist
I met David In 2017, I was preparing to purchase my first home. David was incredible he guided me through the process he made me feel comfortable and showed me that I could trust not only him but his word. He directed me and followed everything he said and I closed on my home in ... READ MOREHome Buyer
I met David in 2016. I was a first time home buyer and did not know anything about the home buying process. David explained the process to me and made sure all my questions were answered. Fast forward to today he is still helping me with all my home financial needs. He is kind ... READ MORE