When doing business with any professional service you should always verify that their licenses are up to date. By visiting www.azbanking.gov you can check to see if the Mortgage Company you are considering using is currently licensed in the State of Arizona.

   Lenders consider mortgage payments, car payments, credit card debt, student loans, and other long-term debt when calculating your debt-to-income ratio; they do not include household expenses such as childcare, insurance, groceries, entertainment and so forth. Therefore, you need to know your spending habits and monthly expenses and consider these expenses when determining an affordable house payment for you and your family.

   Know your credit scores. The mortgage rate you receive will be based on these scores. Obtaining a credit report at least once a year will allow you to check the validity of the items being reported. Report any inconsistencies immediately. Visit www.equifax.com, www.experian.com, or www.transunion.com for more information.

My wife and I recently closed on our new home with mortgage specialist Robert Moore at Amerifirst Financial. We had an extremely pleasant and non-eventful closing (which is preferred).

Robert treated us with the utmost respect and professionalism. However, I think I was most impressed with the way Robert returned my phone calls immediately upon request and kept me updated throughout the entirety of my loan process.

I am in the real estate business myself and I will definately refer my clients to Robert. Great job Robert!

--Joe Stoddard

I just want to thank Robert Moore and all others with Amerifirst Financial in helping Refinance my home. It was a very quick and smooth Process. I was able to get the work done on my home that was long overdue. I would be happy to refer you to all of my friends and family.

--Karen VanBeekum

Recently I had the occasion to refinance my home with Robert at Amerifirst Financial Inc. I am extremely pleased with the personalized service I received. Robert worked hard to get a low fixed interest rate and fast approval with minimum paperwork. I was in the escrow office in less than 10 days to sign on the dotted line. I highly recommend you do business with Robert. I am sure you will be satisfied and happy with his attention to details and professionalism.

--Karen Garton

I had exceptional service. Robert was always available to answer any of my questions. I highly recommend Amerifirst. They made my loan process easy.

Thanks again. --David Stein, MD

I contacted Robert Moore with regards to a refinance, in order to consolidate a credit line and various credit cards. After obtaining necessary information to proceed with his quest to find me the best interest rate, I received the surprise of a lifetime.

Robert called me and suggested that I simply increase my current credit line and transfer my credit card balances to my credit line; he had already called my bank and found that they would do all this for me at no charge.

He said that he would not be able to beat this deal and suggested that I follow this course of action.

It is not often that you find a mortgage lender or any other business professional who is truly looking out for the best interests of their clients, even if that means foregoing income for themselves.

I would highly recommend Robert to any person who seeks a trustworthy, honest individual who does his homework and provides the best service to his clients.

--Joann Kennedy