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State License: AZ #912061

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.

Mortgage Calculator

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.

Please enter a valid home price


30-Yr Fixed / 0% Interest
  • Principal & Interest $0
  • Property Tax $0
  • Homeowners Insurance $0
  • Mortgage Insurance $0

Additional Calculators

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.

Affordability Calculator
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.

See what people are saying about us

Steve did an excellent job in assisting my wife & I in purchasing our first home. Constant communication and always kept us updated every step of the way and always there when help was needed and got us the best interest rate and flexibility to purchase our home! Highly ... READ MORE Wyatt Lillis Home Buyer
Steve Fowler is a pleasure to work with. He is very knowledgeable and you really feel the personal touch he puts on every aspect . Professional is the way you are treated and his patience is comforting. He will guide you to success! Susan Covey -Morrison
I am thrilled we decided to go to Steve! He is wonderful and very knowledgable. He was very patient with all my million questions! So appreciative! Thank YOU, Steve!! Dawn Clark
Steve’s years of experience and knowledge are obvious. His lightning fast follow up is his greatest strength. I highly recommend! Chip Kessler Financial Advisor
Stephen was great to work with. He kept us informed at all times of what was happening and returned our calls right away when we had questions. He was down to earth and honest. Gregg and Yolanda Josey
My wife and I recently used Stephen to refinance our house. Though we began the process before all the Covid-19 challenges, he worked with us to keep us informed and updated as things were continually changing. Because of his efforts, we didn't feel like this refinance journey ... READ MORE Kristopher Wagner Manager at QuikTrip
Steve has helped me with the purchase of my home and now a refi as well. I could not be happier with the end result but am more appreciative of the friendly and informative service he provided. I will trust him with all my future needs and continue to recommend him to anyone who wants ... READ MORE Mitchell Return client
Stephen did A wonderful job for me. He went above and beyond my wildest dream. Thanks to him I will have a home I can call my own and be proud of it! Thanks again for your help. Gerald Luther
Very helpful and caring person, made this experience very easy and stress free. Any questions I had he would respond right away and would guide me step by step on all the documents. Francisco Benitez
Working with Stephen was a pleasure, especially being out of state and using Docusign. He timed our rate lock perfectly, getting us the lowest interest rate possible. Highly recommend him. Arthur Reilly Mr.
Great person to work with. He helped us go through the mortgage process seamlessly and was always there johnny-on-the-spot. Would highly recommend him to anyone including friends and family David Hooe
I would like to take this opportunity to whole-heartedly endorse Stephen Fowler. Steve is the consummate professional. He went above and beyond for my wife and I - both on our original VA mortgage, as well as on the recent update we did. Thanks to Steve's persistence and ... READ MORE William Mayhall Senior Proposal Analyst
Steve has helped us with new home loans and refinances. We have dealt with him since 1998, 21 years. His help and advice were always outstanding. Steve solved unusual loan problems that our real estate agents thought were insurmountable. If he told us our loan would close on a ... READ MORE J. Humpphrey
Great guy easy to work with has lots of knowledge , the best. Great communicator always gets back to you in a timely manner. Helps with every aspect of getting your loan done. I will recommend him every time. Sam Harwick West USA Realty
I have worked with Steve on several transactions over the years and have come to know him not only as a true professional who knows his business well, but also as a kind and caring human being. A real estate transaction can be quite "messy in the middle" and with so many ... READ MORE Rick Ramirez Rick Ramirez REALTORĀ®
Steve is very thorough , completes task when he says he will and is very straight forward with you, works for your best interest, would strongly recommend him Brett R Webb Owner
Steve helped us with refinancing on two of our rental properties. Steve is very professional and helps the entire process go smoothly. I appreciate Steve's attention to detail and how quickly he addresses issues as they arise. I would highly recommend Steve to anyone looking to ... READ MORE Steve Smith
I have worked with Steve Fowler for 19 years for all my mortgage needs. I have obtained several mortgages through Steve to purchase primary residences, vacation homes and rental properties. I have also referred friends and family to Steve. He has never disappointed any of them. He is ... READ MORE darrell Hargis Retired Nurse
I can't say enough about how helpful Steve was in securing a home improvement loan. I liked working with him. He gets my highest recommendation. Warren Lawson Warren Lawson Architect, homeowner
Our goto Mortgage BANKER. Steve has created a unique in this day and age "Concierge" system of communication with each Client and interested party. Christopher S Kelly Owner
Steve Fowler is a great source of information and a tremendous ally to have on your side when facing financing or refinancing challenges. He truly cares about his clients and wants the best results for them. My wife Leslye and myself recommend Steve without reservation. Steve Harrop Steve Harrop Dentist
Stephen did an awesome job with making everything easy and seamless in securing our loan for our home. Wonderful to work with and got us the best rate possible! Diane Robins Owmer
Within an industry that has been defined over the years as filled with lack of professionalism, integrity, and respect. Steve Fowler is without question a breath of fresh air. Steve has always presented himself as true professional, well respected, and as genuine as an individual that ... READ MORE Bob Shoffman Bob Shoffman Account Development Mgr
I've known Steve for three years. He is very knowledgable in financial affairs and very thorough in his work. He helps in any way he can to assist with questions and issues. Personally, he is a wonderful friend, very kind and generous with his time. Martha Brower Owner of Attendants for Seniors
From the first call I had with Stephen, I knew he was the person I wanted to work with on the purchase of our first home. He is very knowledgeable and always responded very quickly to any concerns or questions I had. It has been a couple years since we had the pleasure of working with ... READ MORE Jacqueline Ruiz
I have known Stephen Fowler for more than 7 years. I have always found him to be a straight shooter, reliable and meticulous in his dealing with clients and members of our different groups. While I have not had to use his services personally, others have extolled his virtues, ... READ MORE Frank L. Mills Retired and member of Arrowhead Kiwanis and Networking Professional Group.
We have purchased several home loans from Steve over the last 15 years. Every loan application has been handled with great professionalism. He kept up with all the various details involving the loans and all closed without a problem, and on time. We highly recommend him and his great work. Hugh and Marguerite Morgan homeowner
Steve has the best knowledge, rates and overall service. Great communication! I highly recommend Steve Fowler. I have known amd worked with him for over 15 yrs. Give him a try. You will be glad you did. Jeff Larsen Jeff Larsen Jeff Larsen
I've known Stephen for over 5 years as fellow member of Kiwanis. Stephen is a person of integrity and has always been honest in his interaction with me. I'm confident anyone can feel comfortable with him finding and processing the best home loan for them. Chip Kessler Financial Advisor
Have nothing but good things to say about Steve Fowler. He went far and beyond to help me with all my financial requirements to make my purchase work. Very knowledgeable of all the products available. A very positive and encouraging man all through the process from start to finish. Martha A. Kruger
Steve has come through for me several times over a number of years. He has taken great care of me in several mortgage transactions and has gone out of his way to make sure I got the best treatment. I will happily recommend Steve to anyone. Thanks again, Steve! David Wilcomb David Wilcomb Loyal client

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