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Refinance A Home

Would you like to

  • Reduce your monthly payment?
  • Pay off your loan faster?
  • Get rid of FHA mortgage insurance?
  • Switch from an adjustable to a fixed rate?
  • Get money you need from equity?
Click Here to Learn More

Give us a ring

See if refinancing works for you!

Call now, Let's Chat.

Your Texas Mortgage Lender

We treat every customer as an individual, not a number.

We help you get in the house you want.

You won’t be placed into a loan profile created by the banking industry. We use common sense and will help you obtain the best home loan possible. We have a wide range of programs and together find the loan that’s best suited for you. Not all buyers are created equal, and if by chance you are not in a position to purchase a home right now, we can advise you on how to get “Mortgage Ready”.

Loan Programs

Want to crunch some numbers ?

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Affordability Calculator

Paperwork Checklist

The Loan Process

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Contact Us

Address

600 Lake Air Suite 1B
Waco, Texas 76710

Office Hours

9:00 AM – 5:00 PM
Monday – Friday

Anytime

254-304-5520
CMcCulloch@Amerifirst.us

Powered by Amerifirst Financial of Texas.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.
HOME MORTGAGE DISCLOSURE ACT NOTICE
The HMDA data about our residential mortgage lending are available online for review.  The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.  HMDA data for many other financial institutions are also available online.  For more information, visit the Consumer Financial Protections Bureau’s Web site www.consumerfinance.gov/hmda