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ABOUT CARLOS CRUZ

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
  • FHA/VA/USDA

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.

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Estimate

$1,341/mo
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.

SEE WHAT PEOPLE ARE SAYING ABOUT US

Carlos is the best. He got the job done and looked out for my best interest. I believe he is a genius. I recommend carlos 100%. Bill Hamilton Bill Hamilton Bill Hamilton
Carlos helped me navigate the complicated process of successfully obtaining a loan for dream my home. I highly recommend Mr. Cruz if you want someone to help get the job done and done fast. He helped answer all the questions I had and helped me every step of the way. Jennifer Harshman Administrative Assistant
Fantastic! Carlos was very attentive and knowledgeable throughout our entire home buying experience. Great lender! Anonymous
I would recommend Carlos Cruz because he was excellent in his job. Carlos was very knowledgeable in finance. Carlos was helpful, patient and kind. Thank you, Carlos Cruz! Hector Pena Mr.
Carlos and his whole team were key in making our forever home a successful process. Along the way were twists and turns and at every step his professional advice was spot on. He also has the ability to help us stay focused and calm in what can seem like a very stressful process. We ... READ MORE Kori A Kori A CEO
Thank you for helping me for Purchasing my new Home. I appreciate your help and your team. To make my Dream come true. Awesome job!!! Cely G. Moreno Cely G. Moreno Buyer
Carlos and his team helped us with the refinance on our home. I have been in the real estate industry for (30) years. During that time I can honestly say that Carlos is one of the finest people I have met during my career. My personal experience with him on the refinance of our ... READ MORE Rick Shumake Homeowner
Carlos and his Team have provided such amazing service, we will purchase all our homes with him and refer all of our family to him. Nothing beats Trust!! :) thank you, Carlos!! Shannon Miller Shannon Miller Vice President-Shannon Miller Insurance
Carlos did a great job and came through when other folks couldn't. Ricky Rowe
I highly recommend Carlos and his team to anyone needing a lender. They were efficient, responsive, knowledgeable and helped make my long time dream come true! Rae Anne Carlisle Senior Exchange Coordinator
Dedication, reliability, integrity, and devotedness are just a few words that best describe Carlos Cruz with every one of his clients and in every aspect of the loan process from beginning to end. You're in good hands with Carlos and his team! Sue Stoller Escrow Officer
I would recommend Carlos to anyone I know. I was a challenging case and now I’m a very happy & proud homeowner!! Best experience ever! Rae Anne Carlisle Senior Exchange Coordinator
Carlos was a lifesaver! We had to switch lenders halfway through and Carlos made it happen. And when all seemed lost Carlos came through in the clutch! Why you would choose anyone else, seems crazy. Thanks again! We love our forever home. Chris D Torres Bartender
Carlos and his team as always were amazing. He helped my mother last year and now took care of helping me buy my home. My circumstances weren't easy, but that never stopped them from keeping me informed and making sure I knew what needed to be done along the way. I don't ... READ MORE Daniel Farruggia Daniel Farruggia Owner
Very easy to work with. There were a few snags at the end that made the process a little frustrating but Carlos jumped in and made a few command decisions to keep the process rolling. I would recommend for a refinance. Ron Keene
Carlos is honest, fast, professional, and always answered my phone calls. He is really good with numbers and answered all my questions . Rafael Paredes Teacher
CARLOS WENT ABOVE AND BEYOND TO ANSWER ALL MY QUESTIONS AND MAKE SURE I UNDERSTOOD WHAT WAS GOING ON DURING THE ENTIRE PROCESS AND HAD KEY SUGGESTIONS FOR ME TO HELP ME SECURE MY LOAN AND HAVE THE PROCESS BE AS EASY AS POSSIBLE. THANK YOU FOR HELPING SECURE MY LOAN FOR MY DREAM HOME! JAMES CONDRIN management
Carlos kept us up to date on all action needed on our part. He is friendly, courteous, and extremely knowledgeable. Betty Fuentes Manager at Financial Institution
Very detailed and lengthily process, but completely understand the reasoning. The entire team did an outstanding job. Anonymous Client
Carlos was extremely knowledgeable and professional! He stayed on top of things and approved and closed my lone fast!! I highly recommend him!!! #carlitos Kathleen Zamora Kathleen Zamora Manager of sales and marketing
From beginning where they helped me to understand exactly what I needed to do to bring up my score to qualify for loan and keeping in touch to make sure the progress was moving along to the actual loan prepress making recommendations along way. Carlos always Made me feel like family ... READ MORE Robert McMichael Robert McMichael Route sales Driver
 

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