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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.


Micah Noyes and AmeriFirst made the loan process for our new home seem smooth and painless. It required minimal paperwork and the staff worked together to make it a positive experience. Ernest Dale Baumgartner Buyer
This was the first time I have used Micah and his team at AmeriFirst. Although working with them, I felt as if I have dealt with them for years. They went well above and beyond what I ever expected from a lender. Never to busy, nothing to hard, and always helpful, happy, and gracious ... READ MORE Garrett Unrein Garrett Unrein Home Inspector
He went above and beyond to help my wife and I buy the home we really wanted. Very friendly and personable. I would highly recommend his services to anyone looking to purchase a home. Jonathan Nigra
I would recommend Micah he did a great job, very professional. He helped me with all the questions I had throuought the process. He truly helped make our first time home buying experience a great one. Thank you for everything! Candice Rehan
Micah, Kent, Annette and the rest of the team were fantastic. They answered all of my questions and were great to work with. We got done in a timely manner and closed earlier than expected. If you're looking for a trusted and helpful lender look no further than Micah and ... READ MORE Jonathan Bass Teacher
Micah and his team are awesome. We were going through a different lender for almost 2 months and twice the day before closing it fell through. We were in a bad spot so we contacted Micah and he set up an appointment the next day at my convenience and within 2 weeks like he promised we ... READ MORE Kenny Herrera Home Buyer
Micah did a great job for my buyer. Loan was proceeded quickly, no major loan conditions. Funded on time. Thank you! Christina Koder Christina Koder Realtor
I have worked with Micah for the last several years and he is a top notch lender and person . He has wonderful communication skills and does a great job at getting the customer in the homes Bob Golba Sales Manager
Micah made me feel comfortable as a first time home buyer. Micah made sure I was involved in every step of the process, and educated me along the way. He never made me feel pressured in purchasing. I was able to be transparent and honest with Micah at all times. Overall and excellent ... READ MORE Craig Watson Buyer
Micah was fantastic!! He and his team worked so extremely hard at getting us into our new home, doing what other lenders were incapable of! They worked day in and day out making sure that we got all the information they needed in a timely manner so that we could close in a very short ... READ MORE Logan Stacey Sales Support Rep at Builder First Source
Just closed on my home and Micah and his team made me feel very special through the whole I was the only one they were serving, even though I knew I wasn't. They took my many calls and my many questions with great joy and patience as I asked to explain "it" ... READ MORE Frances Adkins Frances Adkins

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