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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.


Catherine was super communicative and responsive during my whole home buying process. As a first time home buyer, I really appreciated her patience with me. The whole team were very professional, responsive, and helpful! Kaia Heer
We were First time Homebuyers when we were Referred to Catherine Eusea and AmeriFirst Financial. Scared to begin the process, as we did not have any idea what to do or what to expect. Catherine was always available to answer questions throughout every step. Her staff made sure that ... READ MORE Kaitlyn Goss and Benjamin Boesch Kaitlyn Goss and Benjamin Boesch !st time Home Buyers with a flair in Retail Sales
Catherine is amazing! My fiancee and I were first time buyers and didn't know where to start. We got a recommendation for her and couldn't be happier. Every step of the way was filled with communication and satisfaction. Catherine wants every client to be happy and it shows! ... READ MORE Terry Leeb and Chelsie Gray
I have worked with Catherine and her team several times in the past 11 years and will continue to do so. Catherine is my go to professional if I need a new home loan or to refinance. All of my questions are answered accurately and right away. Kristofer Penn Nicklaus Account Manager
Recently I had the pleasure of working with Catherine Eusea. Catherine and her team were amazing! They were very professional, you always hear back from them immediately and they answer any questions you have. They are an awesome team! I would highly recommend them! Tammy Ruff
Recently I worked with Catherine you say on the transaction. Tammy Ruff
Recently I worked with Catherine you say on the transaction. Tammy Ruff
My husband and I started our journey of buying our first home with the Amerifirst Team. Throughout the entire process, Catherine and her team consistently kept us informed and always aided us whenever we had any questions or concerns. Halfway through our process, Catherine took extra ... READ MORE Kelsi Miller Mental Health Clinician
Catherine and her team did an amazing job getting us financed for our first home. They worked with us in order to purchase our dream house and gave us clear expectations and instructions which were necessary as we had no idea what we were doing! I cannot recommend her strongly enough! Thank you all! Molly Brodlun Accountant
The Eusea Team is AMAZING!! This is the second time I have gone with them and I will never work with anyone else! They’re knowledgeable and work quickly, I highly recommend them for all your mortgage needs! Vanessa May PR and HR Manager
This is our second home transaction with Catherine Eusea. She is a true professional in everything she does. All my future transaction will be done thru Catherine as long as she is in the business. Kale Nienhuser Kale Nienhuser Home owner
This was our first home and we couldn't be happier . My families situation was a little complicated and Catherine's team worked very hard to get us into the home we wanted. Without a doubt I would recommend them to get you into the home of your dreams. They not only worked to ... READ MORE Ian Thompson Ian Thompson Lead operator
Catherine was amazing!! As first time home buyers, we were initially a little overwhelmed by everything that we needed to understand. We had met, previously, with a different loan officer, who talked over our heads and didn't take the time to explain things. In our first meeting ... READ MORE Amanda Memoli Instructor of English
Catherine was able to walk us through the process hassle free, and answer any and all questions we had. Gunnar Kent
Catherine goes above and beyond, she thinks outside of the box and always puts the clients first. She isn't afraid to work hard for her clients, even if it turns out that the transaction doesn't work out or isn't in the best interest of her clients. She is compassionate ... READ MORE Nikki Schaefer Escrow Officer
I cannot say enough about Catherine and her team! I’ve been searching high and low for a lender who works like I do and I’ve finally found them! I knew from the moment I met Catherine that she was the one! Last week we closed a transaction for a first time home buyer who ... READ MORE Jennifer Forrest Jennifer Forrest Realtor and Owner at The Forrest Group at Keller Williams Realty Partners
Catherine is an amazing Lender. She is a true problem solver and trustworthy. I highly recommend her! Marcus Valdez Real estate broker
Catherine and her team are phenomenal. They always get the job done, think outside the box if it’s a complicated situation, and most the time can compete with builder incentives. Every client that has worked with her has been more then satisfied! Ani Bisnette Ani Bisnette Realtor
Catherine Eusea and her team worked with us through all the requirements of obtaining an USDA Loan. They made sure we understood all the ins and outs of purchasing our first home and made the process easy and stress-free! We highly recommend the Eusea team if your looking to buy your first Home! Mitchell Nichols & Torianna Hoglund Mitchell Nichols & Torianna Hoglund Owner/Brewer & Program Director
Could not have been more pleased with this team. My wife and I would highly recommend them. We will definitely use them on our next purchase! David Way Owner Flinthill Carpentry
Catherine is fabulous to work with! Her positive energy, dedication, knowledge, and support throughout the process is remarkable. We truly appreciate it! Andrea Hoffenbecker
She was very helpful with advice and I'm really glad I used her service in buying a home Rachel Bowdoin Operator
This was my third transaction with Catherine and her team over the last 5 years. Timely, offered suggestions, and efficient as usual. Thanks again! Kelly Berry
Helpful, knowledgable, Courteous and the Best! We went through First Cal for our first home loan and just finished a refinance. I wouldnt go through anyone else. Catherine and her team were great at keeping in touch through the whole process. Also were available and quick to answer ... READ MORE Mrs Aguilera
Great to work with! We have used the Eusea team for our last two home purchases... they are so great! Always stay on top of what was needed and what we were still missing! Kept up with time lines and were always there to answer any and all questions! Everyone we contacted was quick ... READ MORE K Kerr
Put Your Mind at Ease! We were first time home buyers over 2 years ago, nervous about how the whole process was to go. The team here gave great communication during the whole process and answered any and all my questions with clear answers. I appricated the ease they gave all the ... READ MORE Loren Flores
The Eusea team with California Morgage are the BEST! They helped us and worked with us to get us into our first home! I can't recommend them enough! Lauren Lafontaine Assistant Store Manager
Hi...this is my second time partnering with Catherine and her team & again the mortgage experience was tremendous. The team was always responsive to our requests and proactive on issues they see coming they see approaching in the process. Their communication throughout was ... READ MORE Rick Tenuta EHS Regional Manager
Thank you to Catherine and her team for giving great service and going over and beyond have a great holiday to you and the team Natalie White Bledman Sales Cunard line
Catherine would check my income, assets and what i could afford and would not let me proceed in the process until everything was with in the guidelines. We worked together for 2 years and by the end of the 2 years everything was in place and the process was completed and there ... READ MORE Marvin Fichter Production at Vestas
Working with Cindy was a pleasure. She was very pleasant, thorough and honest. She also explained the process well. Communication with Louise was more difficult as documents she requested were not clearly explained causing delays. Brittani Sirovy
Catherine and the team at First Cal are phenomenal. I have used Catherine's skills for years with initial mortgage loans, refinancing and securing funds for investment properties, and without surprise, Catherine's knowledge and professionalism always shines through. Her ... READ MORE Steve Toth Physician Assistant
We purchased our home 3 years ago and went with Catherine's office for lending. She did a great job explaining things to us very inexperienced first time home buyers. We did not know the lingo or how buying a house all went down. Catherine explained it to us as if we were in ... READ MORE Jac Crenshaw Registered Murse
Catherine is awesome. Catherine has assisted me with the purchase of a new condo and the purchase of a new home and two finances in between. She has been so professional and kind and made me always feel at is ease with the process. If I was uncertain about anything, she or one of ... READ MORE SusanTallman SusanTallman Manager
Very professional. We felt the organization had our best intrest in mind. Ronald Berig Retired
We've done a mortgage and a refi with Catherine and First Cal and couldn't be happier with the process! We have, and will, refer others! Janie Colbert
I would like to thank everyone at first Cal for going over and beyond to make this process happen and it was rocky but everybody went over and beyond which was so sweet of them . Catherine even checked on me after we finish the process of the housealso want to think the first Cal for ... READ MORE Natalie Bledman Buyer
The Eusea team did an excellent job working with me as a first time home buyer. They work productively together and really have a great system. Someone was always available to answer any questions I had. Catherine in particular was fabulous, as she was able to utilize my monetary ... READ MORE Katharine Elizabeth Harris Katharine Elizabeth Harris First Time Home Buyer
I wanted to send my sincerest thanks to you and everyone at Team Eusea for helping me secure a beautiful home for my family in Loveland, Colorado. We've been hard at work getting everything set and are happy to finally have a home of our own. All of this was possible because of ... READ MORE Johnny Clark Borrower
Right after we closed on our new home, I sent a note to Catherine and her team to let them know how grateful we were for their partnership throughout the home buying process! Our closing went very well, in large part due to the efficiency and professionalism of the Eusea Team. It was ... READ MORE Kasey Gilioti Buyer
The refinance process was amazing for us. Catherine and her team were supportive, helpful and caring through our whole refi. Catherine helped us when we first purchased and now has done our refi, we will never go with anyone else, she is the best! Eric & Sarah Mills Buyer
Thank you Catherine and you wonderful team for working with us on purchasing our new home. The experience was so amazing and Catherine's outstanding team made everything a breeze for us! They will go above and beyond to get you a great rate, great service and make your home buying ... READ MORE Stephanie Whelihan Happy Homebuyer
I would like to take a moment and tell you about my experience with FirstCal on my recent home purchase. I had started my loan with another company prior to my government move from Arkansas. After many dishonest fiascoes with numerous representatives on my VA loan my real estate ... READ MORE Robert & Pamela Simer New Home Owner in Colorado
We had a wonderful experience with the entire Eusea team. They were incredibly helpful and knowledgeable about the entire process. Every time we had a question (and as a first-time homebuyer there were MANY of them :)), they were quick to respond and help. We would absolutely use them again!! Brooke Elzey Music Professor
The team worked very hard for me. I got to met a lot of the team as I was helped by a lot of the folks who are on your staff. I will be sharing only good things about your team!! Nick First time home buyer
This is my second experience with the Eusea Team, and I came back the second time because I had such a great experience the first time around. The team is always friendly and prompt, and Catherine has always made me feel super comfortable. Cool people here that get the job done and try ... READ MORE Jordan Homeowner
We love the Eusea team! They helped us with our refinance and I was secure in knowing that I was getting the best service with the quickest response time and respected work. I have used them before and will use them again! Christy Stiger Christy Stiger Stay-at-home mom
We used the Eusea Team for our first mortgage, and I was blown away at how easy they made the entire process! From start to finish, and even after the sale, they were there to make sure all our questions were answered. So when it came time to refinance, the choice was obvious.....we ... READ MORE Kerry Dougherty Happy home owner
I was referred to the Eusea Team after I had already been approved by another lender. The Eusea Team recognized that I was a veteran and told me about benefits that I was eligible for that the first lender had not. The benefits and the rates were outstanding and we were able to get the ... READ MORE Rob LaKatos Buyer
We were under contract for just over 2 months!!! Our loan was denined by underwriting due to incorrect employment work history date! First Cal ( THE EUSEA TEAM) work in a very efficient and timely manner to re-vamp our loan, now with co-signers to get us to the finish line!!! Very ... READ MORE Christopher Frain First Time Home Buyer
I was treated very professionally by each of the members of your team. I was amazed at how quickly everything progressed and how soon the closing came about. I'm so very satisfied with everyone on the Eusea Team. Joyce Acre Refinance
Catherine went out of her way to make sure that we were going to save the maximum amount of Money monthly for our loan without needing to come up with money down at the table to do so and sacrificing her own money. Truly appreciate her understanding and Compassion. Chad & Theresa Morrison Refinance
Our experiences with Catherine have been wonderful. Very professional and helpful and I would highly recommend First Cal for your mortgage needs. Lynne Wilkinson Home owener
The First Cal team including Catherine Eusea are fabulous. They helped us when we were in a time crunch to get the loan for our home. They recently worked very hard to get us a great rate to refinance our home and have it paid off much sooner! They are very personable, friendly, and welcoming. Amy and Tucker Thompson Teacher
We found the FirstCAl Eusea team to be super easy to work for and accommodating. Catherine even came to our home after hours to bring our paperwork and explain the process. They demonstrated integrity, honesty and intentional follow through. When trying to negotiate the maze of ... READ MORE Judy Mullins Home Buyer
Catherine and her team are great to work with! I've now purchased two homes with the help of the Eusea team and couldn't have asked for a better experience. I recommend them to any one I know looking to purchase a new home or refinance their existing home. Dominic Navarro Homeowners Association Manager
We couldn't be happier with the service that Catherine and the team at FirstCal provided for my wife and I during our home buying experience! Catherine made sense out of things for us and answered all of our questions with clarity! The communication was excellent and timely! Thank you!' style='font-weight: bold' target='_blank'>READ MORE Matt Brinkman Assistant Principal at McGraw IB World School
We had applied for a VA loan and three days before our closing, the loan was denied. We were under contract and needed to work fast. The lender we had originally started with (at a different company which shall remain nameless) was not very helpful and were willing to let us lose the ... READ MORE Aaron & Christine Helm Buyer
Catherine Eusea is by far the most knowledgable and easiest Loan Officer I've ever worked with. She keeps on top of things, responds promptly has a great attitude. Even when I' ve emailed her and she needs someone else to take care of my request, she still responds to me and ... READ MORE Susan Tallman Susan Tallman Head of household and proud homeowner
I wanted to let you know that the closing went very well… We had a little issue sending a document via e-mail but eventually it worked! It was a pleasure to work with you all and Melissa and I appreciated the consistent communication by all…top notch! The Brinkmans Buyer
Catherine I just wanted to take the time to say thank you to you and your team. You guys truly are the best in the business. You made everything painless and easy. I felt like I didn't have to do anything extraordinary and you guys made it happen. I cannot thank you enough for ... READ MORE Kellan Moore Happy Buyer
The FirstCal professionals in the Fort Collins location were very helpful, professional, informed, and down right nice. I was informed by my trusted financial institution (USAA) that they would be unable to meet my loan financing deadline. FirstCal stood by their word that they could ... READ MORE Mark McWilliams Buyer
Catherine and her team did an outstanding job! They constantly kept me in the loop about where I was at in my loan process. I never had to contact them for a status update, because they were already on top of it having sent me the information before I had a chance to think about it or ... READ MORE Renee M. IT Analyst
Catherine Eausea and her team with First Cal Colorado are amazing. We had a few issues come up and they worked endlessly finding us a solution. Even with the bumps in the road we closed just 7 days later than our original date. I highly recommended this hardworking, dedicated team to everyone! Cameo Hasselman
Catherine and her team have been an awesome resource for me and my clients. They're very organized. They communicate exceptionally well. Their rates are competitive and their customer service is extraordinary. I highly recommend this group to both customers and professional Realtors. Roger Dittus Roger Dittus Realtor
Catherine Eusea and her team were incredibly easy to work with. They made our first home buying experience completely stress free. Someone was always available to reply to emails and phone calls and each person on the Eusea Team was always aware of what was going on with our loan at ... READ MORE Dominic and McKenzie Navarro First-Time Home Buyers
Like always Connie Gliott Connie Gliott Remax Alliance Real Estate Broker
i felt appreciated by all staff thanks for your help, for answering all my questions!!! joanna buyer
Two years ago next month, my husband and I had the pleasure of doing business with the Eusea Team. Due to unusual circumstances we had only a three week window to find and close on a home. The Eusea Team made it happen !! In spite of the pressure that was on, they made the whole ... READ MORE Jan and Paula Hensarling
Great experience with team Eusea. Very sufficient, helpful, friendly.....very glad I used Catherine and her team. Made my buying prosses real easy Monika G. Buyer
Words cannot describe how lucky we have been to find Catherine Eusea as our mortgage agent in Berthoud, CO. Catherine is a great person and helped us so much that we would like to recommend her to anyone who is looking for a mortgage for a new house. She guided us the whole way ... READ MORE Tom Carpenter Home owner
Thank you Catherine, You and your team did a great job in accelerating the process of buying a home. Given our tight dead line FirstCal did a great job on informing us what we needed to provide. Your knowledge and experience made first home buying experience a great one! Thanks!' style='font-weight: bold' target='_blank'>READ MORE Brock Fiedler
Just as I recommended my realtor and their team, I will do the same for the lender. Team Eusea was nothing less than professional and courteous throughout the entire process. My family and I felt like we were treated as individual people and not just a nameless number. Catherine even ... READ MORE Amber Volzke Court Judicial Assistant and second time home owner.
I always refer the FirstCal, Eusea Team! There is no better lender! Communication is essential and the Eusea Team understands this. If they can not get it done, it simply can not be done! My most unlikely to close transaction was USDA, not only did we get it closing, we got it ... READ MORE Jane Slee Jane Slee Broker Associate
I've been in real estate for 30+ years. During that time I've worked with scores of lenders. I am particularly impressed with Catherine Eusea and her world-class team. Their rates and origination fees are extremely competitive. The processes and systems they utilize in ... READ MORE Roger Dittus Roger Dittus Real Estate Broker / Northern CO
I am a Real Estate Broker and can honestly say I have yet to encounter another lending institution that is as efficient as the Eusea Team! Communication and education is the key to their success! I will not hesitate to recommend Eusea Team when a buyer requires a lender. Anonymous Real Estate Broker
This was my first experience working with FirstCal. Catherine was very quick to get us preapproved. The team was very quick to let us know everything we needed, and communication was super between all members of the team. Catherine and her team were great at replying quickly to all ... READ MORE Lisa
1st time working with this Lender and Catherine. I am from Pueblo and the buyer was already approved with her. In this business, it is always a little scary working with an out of town lender. I am pleased to say that it was a wonderful experience for the buyer and me. Communication ... READ MORE Karen Trujillo Broker Associate
Our Realtor introduced us to the Catherine Eusea team at First Cal in Fort Collins, CO. We had never met a team that was so down to Earth, personable, and friendly. Every member of the team worked hard to ensure that we received the best service throughout the whole process. They were ... READ MORE William & Joni McKeen Buyers
I worked with the First Cal team in January 2014 and was very impressed with the professional attitude of everyone I talked with and dealt with. Extremely helpful and very thoughtful people. I will use these guys again first chance I get. For kind of a pain in the butt process - ... READ MORE Jon McCormick Self Employed
Efficiency is the word that describes Catherine Eusea and her team, everything was handled properly, all ground covered in the most professional way and always with a follow up phone call and most importantly MY PHONE CALLS WERE ANSWERED with respect. It is safe to say that I am very ... READ MORE Wilson Aguilera Homebuyer
I have been a Real Estate Professional for over 13 years and would highly recommend the Eusea team for your mortgage needs. We just closed a transaction together and her team kept my Buyers well informed, every step of the way. Great communication, follow-through and it closed on ... READ MORE Dominic East Real Estate Broker
Catherine helped one of my recent buyers with a USDA loan and did it in record time. Not only was it during the Thanksgiving and Christmas season, but we were on an already short contract timeline to close the deal. Catherine and her team did a great job of keeping everyone updated ... READ MORE Mike Greeley Realtor
First Cal was recommended by my realtor/landlord to get prequalified for my first home purchase. They took all the info and off we went home shopping. The entire team was wonderful at helping me gather the documents i needed. There was always someone there to answer my million ... READ MORE Jeff Hansen
The Eusea team did a great job and offered excellent service for our family throughout our home refinance. The Eusea team all was very knowledgeable, organized and professional. All needed tasks for the refinance were completed in a timely manner with open communication. The Eusea ... READ MORE Monica Morris
This was our first home purchase, and even though we had done our homework, it was still an enormous step forward. Catherine and her entire team-Sommer, Lori, and Chelsea-were there every step of the way to guide us through the rough spots and make sure all of our questions and ... READ MORE Kerry and Cathy Dougherty Proud new first-time homeowners!
The Eusea team was awesome! My condo sold right before Thanksgiving and I thought I was going to have to wait a while to find something I liked. Turns out shopping for houses on Black Friday is much better than braving the crowds at the store. I ended up finding a house I liked, but ... READ MORE Kelly Berry Buyer
Great experience, thank you guys! Who knew financing could be so pleasant?! I really appreciated your help educating me through this process and helping me get the best interest rate. I also just like you as people, and that makes working together all the better! Katy First-time Homebuyer
Everyone at First Cal was great at making the process easier than I expected, especially Lori. I would recommend them to anyone that asks when it comes to financing a home. Joshua L. home buyer
I have had two clients recently use Catherine Eusea for their home loans. Catherine and her team were great with keeping me informed and making the process smooth. No loan is easy these days but Catherine made sure there were no last minute hiccups. I love her positive attitude and deep smarts. Deanna McCrery Realtor
What an amazing team! The knowledge, communication and integrity the Eusea Team demonstrates is a breath of fresh air. You can count on their pre-approvals and their ability to close your buyers loan. They made my job easier and made it a great experience for my clients. Couldn't ask for more! Shawna A. Realtor
Catherine and her team are amazing. I recently bought my first home in the super busy Fort Collins market. Anytime I had a question, even after hours, Catherine was available to answer it. She went over my options with me whenever I needed to and provided excellent and personal ... READ MORE Courtney first-time homebuyer
Catherine and her team (especially Lori McNeil) have done a fantastic job with a recent loan for some of my clients. They are responsive, personable, and were ready to close 5 days early! In the Real estate business, it's hard to find this combination in a lender. They have ... READ MORE Dan Bode Dan Bode Broker Associate, New Era Group
I cannot say enough about how great Catherine, Sommer, Lori, and the whole team are! As first-time home buyers, there were a lot of tricky aspects to deal with, and the team was there throughout the entire process to guide us in the right direction. I would recommend the Eusea Team to ... READ MORE Kerry and Cathy Dougherty
Awesome! Awesome! Awesome! Catherine, Sommer and, Lori are nothing short of amazing! This is round two for us with Catherine and the first time we've gotten to work with Sommer and Lori. They are so helpful and easy to work with. My husband was out of town for most of the loan ... READ MORE Ashley Yaste
I had worked with Catherine a little over a year ago when I was interested in purchasing a condo. At that time I was very impressed with her and her team. I ended up not purchasing the condo because a portion of the contract fell through. When my sister and I decided to purchase a ... READ MORE Kelly Home Buyer
I was the buyer's agent in a recent transaction where my client used Catherine and her team for their loan. It was their first purchase and Catherine did an outstanding job holding their hands through the process and answering all their questions. I have already sent her another client. B. Bishop Partner, The Group Real Estate, Inc
I was the listing agent and the buyer used Catherine as his lender. I am usually apprehensive about a lender I have never worked with before, but found Catherine to be excellent. She kept me informed and met all contract deadlines. Eleanor Y. Listing Realtor
We can't thank the Eusea Team enough! We were first time home buyers and admittedly ignorant about the entire home-buying process. Catherine and her team kept us informed and up to speed on everything along the way. They provided us with options and listened to our feedback the ... READ MORE Casey and Nicole Wright
This team was absolutely amazing!!!! I had a closing date of less than 30 days and for a VA loan that is unheard of due to of all the paperwork needed. The Eusea team was so helpful and stayed on me about getting everything in to their team. I had a question concerning the contract ... READ MORE Jaclyn US Army

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