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ABOUT KELLY CUTTER

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

Kelly did an amazing job with the loan and I will recommend him to everyone for honestly buying. Kevin Tunaley
Thank you Kelly! 5 stars!!! If I could give more I would. Outstanding customer service and everything finished ahead of schedule! James Pallante Insurance Underwriter
We just bought a house and i really recomend them. Very confident, good comunication and friendly, very helpful. Azucena Diaz Azucena Diaz
Kelly was great through our whole loan process. He always answered our questions and kept informed at all times. We were able to get our house with less than $1000 from our money. We will reccomend Kelly to anyone looking for a home loan! Magdalena Carbajal
This is my first home purchase. Kelly and his team were all very efficient, paid attention to detail and responded right away. I thought that the process was going to be overwhelming, but it was not. He was always available and kept me updated as to what was going to happen next. I ... READ MORE Gladys Valdez CCO Supervisor
Kelly Cutter (Mortgage Loan Officer) is pleasant, very helpful and prompt of answering calls or emails. He made sure that he has all the proper documents that he needs from me and he is quick! He started working with me with my home loan in mid July and we did the closing in August ... READ MORE Jocelyn G. Andrews
Kelly did a superb job from start to finish. Buying a home for the first time was daunting, but Kelly absorbed much of that stress. My Realtor made several comments as to Kelly's efficiency and told me that she was very impressed with his performance. I would recommend using Kelly ... READ MORE Whitney Nelson Teaching Fellow
Kelly it was a pleasure working with you throughout my process of purchasing my 1st home. Your help and assistance and knowledge was great and made the process was. Jermaine Jones
Kelly Thank you for helping me get a house...i could not have done..it without your constant help...I have a house!!!...it took me 6 yrs 6 mo..and 5 other realtors said it couldn't be done...well you proved them wrong!!!!.AAA rating for you. Sincerely Teri.. Teri Pressnell Teri Pressnell Ms
Kelly is a very great guy, works with u until hes able to get what u want gets the best deals awesome guy will do business with him again and definitely recommend him very hard working guy.. Fior f
If I was to tell you how my journey started, you would have stopped then and there. When we were recommended to Kelly, I was so stressed and worried. He took all of that away from me and handled everything! He did an outstanding job and I highly recommend him to anyone when they are ... READ MORE kiara gonzalez kiara gonzalez
Kelly took a very sincere and personal interest in my loan. He guided me from the beginning to the end while providing a world class advice. He is responsive and goes above and beyond for his clients! 5 star rating is an understatement! Thank you Kelly! LJ Djurovic Vice President
I would recommend Kelly for any type of large financial purchase. He is very knowledgeable in his industry and takes pride in his work. He works fast and is efficient. I trusted him throughout the entire process and he did everything in his power to make it seamless for me. Porscha Woolford HR Representative
I definitely recommend Kelly. He helped make the my purchase quick and easy. Got me the best rate possible and was able to close in 30 days. He is a hard worker and will go the extra mile for his clients, you won't go wrong with Kelly on your side. He is very knowledgeable, ... READ MORE Luis A Gallardo Field Service Tech
WOW, talk about a easy process! From the get-go Kelly made this process so simple, straight forward and most importantly stress free. This was my first home loan and everyone warned me about the possible obstacles and hurdles I would run into. However, thanks to Kelly's extensive ... READ MORE Sam Ramirez Manufacturing Planner
We highly recommend Kelly! He is very knowlagable and very dedicated! He does his best and always is looking for your best interest. My Loan was hard and he got everything done on time. Laura Sepulveda Laura Sepulveda Director of Hispanic Marketihg
 

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