Our mission is to help you reach your goals and dreams.

Let’s bring you home.

The Valley is Our Home

Learn why we love living here!

New Arizona Program

Arizona’s new government program could get you into a brand new build home for $0 down!

Know Where Your Credit Stands

Click to get a a free detailed credit report from our top loan officers.

Phoenix, Arizona

Phoenix is the 5th largest city in the U.S. and is becoming a tech hub

Mesa, Arizona

Mesa is redefing itself as one of the top valley cities for economic growth and community

Your Dreams Become Our Goals


Our team members are known by our partners and clients that we have the hearts of a teacher. We close all types of residential Arizona Mortgage loans and in the process, we have gained a reputation of having a high rate of success in closing what are generally regarded as tough loans to close. It is common that we come across clients that have prior credit or financial events that take guidance to correct. We personally help our clients throughout the estimated timeframe of financial repair to put them in a position to purchase a home.

1. Find the perfect type of loan

Choosing the right type of loan is a big step in the loan process as each client has a unique financial profile.  We personally get to know each and every one of our clients to learn about their home buying goals to navigate which Arizona mortgage loan program best fits that criteria.  We work with a number of down payment assistance programs as well as the common FHA, VA, Conventional, and Jumbo home loan programs to find you the best Arizona mortgage loan for you.

Total loans closed

Total Loans Closed in 2021

2. We walk you through the process

We work with our clients step by step, from start to finish during the loan process to ensure the process goes as smoothly as possible. We take pride in communication and know the importance of staying consistent with our clients and partners as this is one of the biggest transactions someone will make. Being organized and prepared is important when obtaining a home loan. Our team members will guide you step by step through the loan process from the first financial consultation, to pre-qualification, and throughout the remainder of your transaction and receiving your new home keys.


3. Our reliable approval process

It’s quite simple. Our pre-approval loan application takes about 15 minutes to complete. Upon submission, our team is notified immediately and will review your mortgage documents thoroughly. You will then be contacted by a trusted loan officer on our team to discuss your financial capability and what you are pre-qualified for.  From there, we will issue a pre-qualification letter that we will provide to you and your realtor partner.  By having a pre-qualification letter, this is an indication to your realtor on how much home you can afford and to buy and specifies to the seller of that home that you are qualified to purchase their home.

Latest Reviews

Kim Guggisberg

John and his team were excellent! This was our second time using them. The first was for a cash-out re-if, this time around was a loan for a home purchase. They made it so easy! Super friendly and there every step of the way with us. Thank you, John and team!

Kim Guggisberg
Kevin Shipman

My refinance process was such an easy experience. Attention to detail was exceptional. Highly recommend AmeriFirst for your financial needs.

Kevin Shipman
Holly Randolph

I would highly recommend Nathan Halley. My transaction went great!

Holly Randolph
Home Loan
Steve Mills

Second finance/refinance with the John Z team and it came together perfectly. Tyler kept us involved and informed every step of the way, even making sure that the title company and notary had all the details squared away on the Friday before closing (It’s amazing how many lenders don’t pay attention to details like these). This is a great outfit.

Steve Mills
Evelyn Leone

The John Z Home Loan Team did a great job keeping me informed as my loan process progressed. They were always available to answer all of my questions and made my home loan process seem less.

Evelyn Leone
Home Loan
Dream come true!

Talk about hard working and thorough. I never knew I would like personalized attention until AmeriFirst helped us with our VA Home loan. John and Maria were there along the entire process. They will tell you first hand, things got sticky and they stuck their necks for us to ensure that we got the home of our dreams.

Herrera Family
VA Loan

Home Buying

Buying a house has long been a staple of the American dream. We know that the idea of making a large purchase like this can be daunting. However, buying a home is something that will leverage you into your next life chapter. Have you asked yourself lately, “does my personal residence put money into my pocket or take money out of my pocket?”   There could be a variety of reasons as to why you haven’t taken that leap yet; student loan debt, credit card debt, not high enough credit scores etc. What if we told you that you can still obtain this dream of home ownership? Our #1 mission is to close your home loan on time and educate you throughout the home buying process. We’re here to help! Having a team like ours is crucial and sets us apart from others out there.


What different mortgage loans are available to you by choosing the John Z Home Loan Team? Which one do you believe would be the best fit in your scenario?


FHA | Conventional | VA Loan


Are you tired of renting? Are you ready to move your family into your future?

The Valley is Our Backyard

We know the Valley and support our local businesses and families.  Why go to mortgage companies that are not familiar with your area.  We are located right here in the Valley so we can approve loans faster.

Contact Us

AmeriFirst Financial, Inc. – NMLS 145368

575 W Chandler Blvd. STE 225, Chandler, AZ 85225

Phone: (602) 402-7773

Email: johnzteam@amerifirst.us

AZBK #0013635

AmeriFirst Financial, Inc., 1550 E. McKellips Road. Suite 117, Mesa AZ 85203 (NMLS # 145368). 1-877-276-1974. © 2020. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice. Visit https://amerifirstloan.com/pages/state-licensing for all state licenses information. Visit NMLS Consumer Access at https://www.nmlsconsumeraccess.org/.