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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.


Justin is the best of the best!! If you want to get things done just call Justin and he will take care of you personally. I recommend him 100%. Evelyn Arico Anonymous
We were extremely happy with Justin thru the closing of our daughters townhouse. He made the everything simple and painless. Great first experience for my daughter. Highly recommend Justin Zinkann. Jamie Hauer
If you are looking for a sharp, well versed and articulate mortgage broker Justin is your man ! He truly was the finest mortgage agent we have ever used and we highly recommend him . He was always available to answer our questions, accurate in his figures and a pleasure to work ... READ MORE Karen Gurnett Robinson Karen Gurnett Robinson Karen Gurnett Robinson
Justin was great to work with. We needed to close fast, and he made it happen! Delaine Britton
I've had the pleasure of working with Justin in the past. It was our past working experience with Justin that brought us back. We were in the process of searching for a new loan with a shorter payoff dates. When I got in contact with Justin, he took the ball and ran with it. Justin ... READ MORE Leslie Cole Business Analyxt
I’ve had dealings with Justin in the past about refinancing rental property, and he was always willing to do all the work necessary to run numbers while providing honest feedback regardless if it meant he did not get the re-finance. This sort of honesty, I’ve found, is ... READ MORE Frank Garon
Justin went above and beyond to make sure our loan was processed quickly and made sure we understood everything. He was amazing to work with and always available for questions. I would definitely recommend anyone to work with him! Jerome Messina Head of Design
We can't recommended Justin enough. From the very beginning, he knew exactly what needed to be done for us to get qualified. Straightforward, honest and excellent communication Justin is the best! Steven & Holly Boyd
Justin is amazing ! He was with us every step of the way. Justin is a Dedicated Professional who went above and beyond my expectations of a loan officer. THANK YOU!!!!!!!! Emily Gilmore Human Resource Specialist
Justin did a fabulous job from start to finish. He will do whatever it takes to get the job done during any stage of buying a home. His experience and knowledge of the industry made the process quick and easy! Tim Georgen Wealth Consultant
Justin was great he help me through all of the transmitting over my phone he was patient and he was a joule to work with. Patricia A. Staley Justin
Justin Zinkann did a fantastic job! He has great customer service skills and kept our loan on track. We would definitely recommend him to our friends and family. Jim Lloyd
Justin has handled many of our home loans and refinances and has treated us with upmost care. Jannis Sterenberg
The teamwork that Justin Zinkann brought to my home mortgage made us both winners! Justin made my recent mortgage experience both successful but collaborative as well. I knew at every step of the way where we were. Whether on target or approaching milestones. My ability to deliver ... READ MORE Alec Felgemaker Alec Felgemaker Sr Healthcare Solution Engineer, VMware
Justin worked hard to help us get into our new home. It was a task but Justin came through. I would recommend him to all my friends or to any one who is looking to finance a home. Justin is your guy. God Bless You Justin Mario Olivarez Maintenace Supervisor
Cannot say enough good things about Justin! Working with him was a pleasure. He was extremely responsive and was willing to answer any and all our questions. Would recommend to anyone in the market! TARA CRANE Financial Controller
As we are all aware finding and purchasing a home is 1 of the biggest stresses a person can take on in their life and by all means go in thinking it is going to be brutal and exhausting... I however, had a wonderful real estate agent and Justin on my side. Justin was crystal clear on ... READ MORE Cherie Brown Case Manager
Mr.Justin Zinkann is very knowledgeable and keeps up with information to inform his applicant with all pertinent information. Exhibited efficiency in processing and maintained timeline which was established in the initial application. Justin always responded to any of my inquiries ... READ MORE maria cassino
Justin did a fantastic job! Always on the ball, and very knowledgeable! Randy miller General manager
Justin was always available during the loan process and answered all questions in a timely fashion. I would recommend Justin to anyone seeking a great loan officer. Claudio Franceschini
Did a great job! Paul Bria
Justin was my lender for my new home build. Justin was professional, knowledgeable and dependable I would recommend him 100%. George Peppler
Justin was very personable and always on top of things. Very fast response time and even answed his phone when he was out of town which was unexpected. We were very happy with the entire process and the attention we recceived from Justin. Thank you so much for everything. Kelly Dunkerley Kelly Dunkerley
Justin was the best. He worked hard to get us the best rate, and his customer service skills were top notch! Would highly recommend! Steve S.
Justin and his team were great to work with. Larry Wandel Vice President
We would recommend Justin to anyone and everyone. He was there for us every step of the way and when we had issues on the other end of our sale, even when to bat for us to get us answers and advocated to get things done right. Justin truly is about providing the best customer service ... READ MORE Eryn
They were there every step of the way. They went above and beyond and helping me and my fiance obtain the house that we love. Thank you for everything they did PAUL STINE Store manager
Justin made the whole process pretty easy. He communicated with us regularly and we were aware of the process every step of the way. For our next loan needs we would definitely use Justin again and would encourage others to do so as well. Steven Bennett
Justin was amazing. I never thought buying a house would be that easy. He explained everything and went above and beyond to make the process easy. Now we are living in our dream home. Thanks to everyone on his team. Lisa Feichtl
Justin's communications through the home buying process was superior to any other we've had! He was on top of all the details and made financing our home a painless process! Thanks Justin! Renee Hogan Renee Hogan Renee Hogan
Justin handled the mortgage application for my sister. He was awesome. I would highly recommend him. Margaret A Robertson Assistant City Attorney
Justin made the loan financing process for my mortgage easy. The online process is great and it provides a painless way to submit paperwork and track the progress. M Humphreys Retired
Justin was awesome to work with. I particularly liked his attention to detail, urgency, and proactive help in the chaotic process of purchasing a home. Highly recommend him for future business. Rick Bartman Engineering Project Lead
I gave Justin Zinkann less that 4 weeks notice to close by new home purchase. He said we will do our very best to help you get this done. He and his team accomplished that goal 11 days before we were scheduled to close. I have never had such efficient and "pain free" closing ... READ MORE Rebecca Neher Home Buyer
We really appreciate the guidance Justin gave us throughout the process. He was efficient, knowledgeable and always available when we had questions. We definitely will recommend him. Thank you Justin for all your help! Sincerely, Petar and Helene Petar and Helene Georgevich Retired and looking forward to living in Arizona
Justin and his team did a great job helping us get our mortgage approved in a timely fashion! I would highly recommend him. DC Dino Cacchiotti Home Buyer
I was ready to purchase my first home and was a little overwhelmed. I was talking with other loan companies to get the best deal I was referred to Justin Zinkann through a friend and he was amazing from the start. He is extremely knowledgable and took the time to make sure I was ... READ MORE Kymia Parvanehgohar
Justin is extremely knowledgeable in all aspects of the Loan process and he pays great attention to the details. He has been helping me and my team over the past 6 years and I would not use anybody else. Honest, Detailed and knows how to treat customers. Its all about customer ... READ MORE Rich Barker Rainmaker
Justin and his team were teriffic. They did a great job in a short time. I would highly recommend Justin and his team. MARK R COATS Customer
It was a pleasure from start to finish working with Justin. He is a Rockstar! He is very knowledgable and responsive to all our questions and needs. He was on top of everything. I would highly reeccomend Justin to everyone! Thank you Justin for eveything! Jessica and Dennis Trotter Jessica and Dennis Trotter Home buyer
We did not experience any difficulties working with Justin we had some time problems that we have to work around Justin made it happen we would be happy to recommend Justin to anybody to process the loan Sterling Spiegelberg
Justin is one of the most professional gentleman I have had the pleasure of doing business with. He walked me through every step of the way of financing my home. He was very patient and thorough. Most of all, he was always available to take my call or respond to my texts. Kathleen Edstrom Customer Care Manager
I've been through the buying process a few times before, and compared to past experiences, Justin knocked it out of the park. It was the smoothest R.E. transaction I've ever had. Whenever there was a question, he was on top of it right away. When I am ready to buy again, I ... READ MORE Cathy Wagner Terminal Mgr
One would think that when you have the opportunity to purchase the house of your dreams that it would be one of the most exciting times of your life. I found myself in that situation but was dreading it as if I was preparing to go the dentist for some serious dental surgery! I had a ... READ MORE Samantha Alvarez Veterinary Technician
When you are the Realtor, you can only get paid if the deal closes. I know when I or one of my agents let Justin be the lender, we are confident we will get PAID! He communicates throughout the process and we close on time if not early. Justin is great at what he does. Kelly Soriano Kelly Soriano Broker/Owner
Justin helped walk us through our refinancing process by assisting us with the forms that needed to be filled out and advising us of all the papers that needed to be sent to him. We are not computer savvy and he spent a lot of his time navigating us on the computer getting the right ... READ MORE David Peterson and Juanita Peterson Retired
Justin is the BEST of the best. He is honest and trustworthy. I wish I would have been able to use him for my Connecticut and Boston properties because he saved me a boat load of money in Arizona! I have recommended him again and again and everyone has always come back to me with ... READ MORE Sadhna Bokhiria Vice President of Research Development
Justin is fantastic to work with. He always picks up the phone, and does whatever it takes to get you what you need. We recommend Justin to all of our friends and family, and they say the same thing. Jason Hardy Account Manager
I was referred to Justin by a family member. My wife and I met with him one time and we were pre qualified to purchase our home very quickly. Justin kept us informed through the process and our house closed a week early. He stayed on top of everything and the loan process was a breeze. ... READ MORE Craig Rising Owner Rising Const Co. Llc
I can't say how incredible Justin Zinkann at Amerifirst Financial was. He knew I needed to do somethings in a time sensitive matter, he took that into account and delivered. I would recommend Justin to anybody looking to find a trustworthy and hardworking Loan Officer. Clayton Zelin Customer
I've known Justin for years and can attest to the fact that he is an honest, and trustworthy man. He's a great at what he does, knows all the recent laws, and will get you the best deal possible. He has committed himself to this profession and throughout the ups and downs of ... READ MORE Kristen Wherty Kristen Wherty Teacher
I couldn't be happier with all the hard work Justin did! This is the third time I have used him and I would recommend him to all my friends and family. He is fast, motivated and reliable. He walked me through the process step by step so I felt comfortable moving forward. I ... READ MORE Chanele young Business owner
Justin did an exceptional job by assisting us in getting our house. He was very knowledgeable and help us along the way to purchase our house. Jose Maldonado Accounting
Justin did an excellent job working with us and for us. He made a challenging experience easy and painless for us and we were able to purchase our new home in no time. Andrew Chapman Buyer
Justin and his team did a great job of locking in a fantastic rate for me and my family. They made the mortgage process, known to be tedious, move quickly. We are very happy with the service and results. Rob Block Senior Vice President of Equity/ Sales Trading
Justin and his team did a phenomenal job working with my family to finalize the move to our new home. Justin was very knowledgeable and always willing to give the best information for our specific needs. I will always use The Zinkann team! Dorian Speed Manager Srp
Justin and his team did a fantastic job of making the process quick and simple. Would not hesitate to recommend Amerifirst to friends and family. Christopher Lloyd
Justin did an amazing job. He was ahead of schedule with everything that was needed. I look forward to working with him again. Nello Sales
Justin did an exceptional job by assisting us in getting our house. He was very knowledgeable and help us along the way to purchase our house. Jose Maldonado Accounting
Justin did a wonderful job for me when I purchased my home in 2013. He is professional, knowledgeable, and very easy to work with. He answered all of my questions in a very timely manner and made the entire loan process hassle-free. I wholeheartedly recommend Justin for all of your mortgage needs. Jane Falk
Justin is personable, professional and prompt. He kept our needs in mind and worked tirelessly to make them happen. I would recommend Justin and his team for any of you financial needs. Lenee Allison
When I bought my house, Justin and his team assisted me. I actually gave his name to someone last night. This team is honest and thorough. They worked against the clock to gather and process the information needed to close. I highly recommend this team and I would use their services again. Gwen Wesrhafer Gwen Wesrhafer
Justin was the best loan officer I have ever worked with. He is on top of everything so there's not any last minute surprises. I have used him twice and will use him again if I buy another's property. He is the best and I have dealt with a lot of loan officers through the ... READ MORE Kaye Bryson
Justin has been our entire teams preferred lender for 4 plus years now and has never let us down on a single transaction. He has done loans in as fast as 3 weeks for us and is always two steps ahead of us and the title company. My clients love his quick responses and amazing customer ... READ MORE Nicole Violette Realtor
Justin makes the entire process easy and painless. We always know we are getting the best deal with Justin. We would never use anyone else and we are always recommending him to friends. He's the best! Bethany Richardson Sales Rep
Justin has been servcing my family and my business clients for years now and if you want someone that knows his stuff and pays attention to every detail and close on time or before the actually closing date then Justin is your Loan Officer. I would strongly encourage anyone to give him a try Rich Barker Rainmaker
I highly recommend Justin. He went above and beyond to help me get qualified to buy a home. Even with a four year old bankruptcy and issues with a previous home, he made it happen! Now I am a proud owner of my own dream home. Eileen Vasquez
As a real estate agent myself, he was most helpful closing on my own home. I will continue to refer my real estate clients to Justin. He was very professional, and easy to work with. Alan Wynkoop Real Estate Agent
Justin was really easy to work with, and he was extremely patient throughout the process. He guided me through to the right program helping me get the best rate and keeping my cost down throughout the process. Albert Thuilot Regional Sales Manager
Not only have I referred Justin to numerous clients, without any issues, I have personally used him for my own home and investment properties!! I recommend Justin for all your loan needs. Dan Peterson DB at Peterson Realty
5/5 would mortgage again. Brian Abrahamsen Software Engineer
Justin and team are great, constantly keep you informed on the process and make sure deadlines are met. Knowledgeable and informative as always given all the changes in regulations constantly occurring in the mortgage industry. Thanks for the quick turn around. Allen Blackhurst

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