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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 / 4.25% Interest
  • Principal & Interest $949
  • Property Tax $250
  • Homeowners Insurance $58
  • Mortgage Insurance $84

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.


My husband and I decided to do a home re-fi to take cash out for a remodeling project. Kit came highly recommended and I can see why! He did a fantastic job of not only providing us a great rate, but also navigating us through the complex process of home finance. I never felt ... READ MORE Anthony Ianucilli Corporate Business Manager
You better promote him! Jonathan Lange Mr.
Getting referred to Kit was the best thing for my family. We did not have the best of credit scores and Kit knew this going into it. He was very helpful when it came to "working the numbers" to get us into our first home! Kit was always available to answer questions, day ... READ MORE Michael Lechnir Project Engineer
Making the decision to reach out to Kit was the best thing I could have done, once we decided to refinance our home. Kit was friendly, honest, and knowledgeable to the questions I had. As soon as Kit had the required documents, the process was fast and seamless. Kit was very ... READ MORE Laura Turner
Kit did an amazing job with us and I can not believe how patient he was with us. I work a lot and getting him our information on my end took me a while cause of late nights and early mornings. But he always made sure he would make time for us when we could meet and worked around our ... READ MORE David Roberts Commercial Driver
Kit Bargmann is a very professional and personable Mortgage Loan Officer. He helped my sister and I with buying our paired homes, and walked us through the entire process of buying our new houses from A to Z. Kit was always there to answer every question we had every step of the way. ... READ MORE Ruslan Loshak Ruslan Loshak Business Operations Manager
Kit helped my family and I refinance our home. It was an outstanding experience and Kit was tremendously helpful throughout the process. He even arranged for a notary to meet us on vacation to sign closing documents. If we ever refinance or move we will definitely seek out Kit to help ... READ MORE Stephen Rohan Client
Kit went above and beyond in our refinance. We had many small bumps that dragged this on for months, but with his hard work and sheer determination to not let me down we got it done, and save a lot of money a month while establishing strong equity in our home. Thank you so much!! Brady Gilson Emergency Medicine PA
I am highly recommend Kit and his team. The work he did is unbelievable. Very easy to communicate at any time . All questions we have he gives us prompt answers. He looked for any available programs and find best one for us. Thank you Kit for your great job. Raushan Building Engineer
If you are looking for a great lender, look no further! I can’t recommend Kit enough! Multiple offers on homes and he was quick with each one until I found the right one! He not only went through every struggle with me but encouraged me throughout the entire process. He always ... READ MORE Faina Litvin
Kit is so friendly and professional, he would quickly answer any of our concerns that we had. We tried to buy a house for some time now, and before meeting Kit, everyone said it was impossible. Well Kit made it possible, we are so grateful to have met him and we would highly recommend ... READ MORE Asel Zakirova
I can't even begin to explain how much Kit helped us through our whole entire home buying process. I have heard horror stories of first time homebuying and Kit made everything so easy and smooth. We walked us through everything we needed detail by detail. I couldn't be more ... READ MORE Monica Vargas Home Buyer
Kit was great from start to finish he busted his ass to get my loan approved and funded for my new home. Kit made the loan process as smooth as possible and we closed right on time. Any questions I had were answered quickly and accurately. I will be using Kit for any future real estate ... READ MORE Chris Pelle Chris Pelle Owner
Kit was beyond awesome! With all the concerns and confusion the process can bring, I felt very comfortable and educated. Kit kept a positive attitude throughout the entire process which made me confident in buying this home. If you want friendly and smart, Kit Bargmann is your guy! Mike Twist Firefighter
I really can't put into words how helpful Kit was in helping me and my wife get approved for a new house. As with a lot of people, my situation wasn't perfect but Kit worked tirelessly over 6 months to make this happen! He is very knowledgeable, patient, and incredibly kind. ... READ MORE Steve Allen Sales
Kit has the best customer service of any lender I’ve ever worked with. Every loan is customized based upon client needs. He takes time to understand his clients goals and exactly what it takes to get them achieved. He is charismatic, smart, and easy to trust. As an agent closing ... READ MORE Taylor Bunney Taylor Bunney Realtor
Kit helped me a lot. He turned impossible to possible. He is easy going and very friendly. During the process we became friends. Tell him your problem he has a solution. Azamat Allaev
This was our second time working with Kit and both times he completely delivered! He is very professional, friendly, and most importantly, efficient! I never felt as if anything was being left to chance or lost in the shuffle. Great guy to work with! Jessica Campbell
Great experience, was very easy and smooth throughout the whole process. Kit was there when ever i needed to speak with him. Highly recommend Kit. Michael Boatright Manager
Kit is a professional and reliable lander, it was a pleasure to work with him! Every issue was addressed and solved on time for my favor. I would definitely recommend Kit for everyone who’s looking for a mortgage lander, he is very knowledgeable and experienced. Haley Wiezel Home owner

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