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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.

My Posts:

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.


Mike assisted Dustin and I purchase our home here in Yreka ca in January this year. Even though Mike was 45+ miles down south from (Redding Ca) he made every effort to connect with us just about every other our with an update. He made this process way to smooth and rapid. Highly ... READ MORE Anthony McMurry / Dustin Anthony McMurry / Dustin Medical Billing
Mike and Gayle were great! They helped me along every step of the way. I would highly recommend Mike and Gayle if you’re looking for a home loan. They’re extremely kind as well as ptofesdional. Sally Cooper Licensed Midwife
Mike and Gayle are very kind, courteous people. They were quick and efficient and laid everything out for me. I enjoyed their weekly updates. They answered any questions that I had and were willing to take the time to explain everything to me. I would highly recommend working with ... READ MORE Dustin Loftis Crane Operator
Mike and Gayle are very hard workers, and they kept in touch and walked me through all details from beginning to closing of my escrow and after. I was lucky to find Mike and Gayle Lynch. I told them what my budget was and they worked with me so I didn't go over my budget and got ... READ MORE Kathy Klauwers Mrs
Mike and Gayle were such a pleasure to work with. They made the process seem effortless, and although we were over 1,000 miles away it was as if we were working with a local team of Mortgage Loan Officers. Thanks Mike and Gayle! Todd and Barbara Lawlar Homeowners
Mike and Gayle were great to work with - very pleasant, knowledgeable, and helpful. They (Mike especially) went above and beyond to make sure the loan process was as seamless as possible. I would recommend Amerifirst to anyone looking for some extra TLC during the home buying process. Dayna Underwood Nurse Practitioner
Mike and his team were very helpful. They made sure to contact us right away with any news or changes to our process. Thanks again!!!! Virgil Woods Virgil Woods
My wife and I have closed three loans with Mike and Gayle (two homes and one construction rollover) over the last 10 years. We couldn't be happier with the honest excellent customer service they provide. I have recommended them on numerous occasions and will continue to do so. ... READ MORE Clint Snyder
I was very pleased with the whole process. They made sure that I was keep informed of everything that was happening with the loan. I knew that they wanted the best loan for me. Therefore, I would definitely recommend Mike & Gayle Lynch to anyone that was going to buy a house. ... READ MORE Gen Holloway retured teacher
Mike and Gayle are amazing!!!!! They went above and beyond to ensure that every aspect of my home buying experience was as simple and strees free. They were a pleasure to work with and i would recommend anyone that is in the market to purchase a home, contact Mike and Gayle. They are ... READ MORE Brian Nichols Property management
Mike & Gale did a fantastic job! With us being first time homeowners they where very good at explaining all that was happening. They where very flexible with our schedule. I was glad they constantly kept us up to date on all that was going on and was really good at keeping in ... READ MORE Cameron Gully Mechanic
I've done home loans before and it was always very difficult because I own a corporation that compounds the process. Mike made it so easy! They're very helpful, detailed and didn't skip a beat. I'm referring them to all my friends! Nicole Artieres
Mike Lynch and his assistant Jessie at AmeriFirst did an outstanding job of getting me qualified and into a home in record time! They were on top of everything at all times, ensuring that all the paperwork was done in a timely manner! They kept in contact with my real estate agent ... READ MORE Cindy Sinclair
Mike and Gayle are awesome! I initially had been working with a large internet company to refinance my home. It was all very impersonal and I had several concerns which I shared with a friend who suggested I give Mike a call. I knew in my initial conversation I was at the right ... READ MORE Max Wilke
Recently purchased a Ranch, and I was truly impressed with Mike and Gail. Their expertise in real estate and in the finance business made a difficult transaction go smoothly. Thus my dream became a reality. I think of them as friends and forever grateful. I highly recommend AmeriFirst ... READ MORE Anne Marie Pinter Registered Nurse
Gayle and Mike were amazing! We wanted to refinance our house, and had been working with another company for almost an entire year trying to get it done. We finally voiced our frustrations to a friend who then referred us to Gayle. What a difference! Gayle and Mike worked us ... READ MORE Jeff and Caren Miller
Mike and Gayle, and Jessie, made the whole loan process go so smoothly for me. They provided quick answers to questions and guided me through the maze of paperwork with expertise and good cheer. I will definitely recommend them to others. Kathyrn Chase-Dunn homeowner and soft handcrafts business owner
Mike & Gayle did an amazing job of walking us through the lending process. Gayle is so service oriented and her friendliness and expertise in the lending field immediately put us at ease. She was accessible in person and over the phone whenever we needed clarification. Gayle ... READ MORE Troy & Rachelle Busby
Mike and his team are top notch. They do everything great when it comes to getting a mortgage the. They explain the process in detail and offer a lot of educational outlets, such as apps. They truly care about their clients and go the extra mile to make sure they are satisfied with the process. Jacob Stroman Physical Therapist
Mike and Gayle did an absolutley fantastic job putting our loan together . Mike has written two deals for Susie and me and in both cases they did a super job. I can not thank them enough for all their efforts. I highly recommend them. Susie & Chuck Ryan chuck ryan real estate appraiser
Great people work with! Mike and his team walked me through the whole home buying process and were more than patient with me. Like any home loan process, there were a few bumps in the road, but we were able to meet our objective which in this case was my new home! Thanks again. Justin king Er Great people work with! Mike and his team walked me through the whole home buying process annurse
Communicates very well, LOVE the automatic updates o the loan process. Mike and his team are very knowledgable and friendly! Great service and people! Yolanda Kruger Yolanda Kruger Real Estate Agent
Mike served us with extraordinary clarity, availability, and professionalism. He was detailed and timely in his work. Additionally, he cared about acquiring for us every advantage possible. I can't speak too highly of Mike and the good work he does. Phil Vaughn Professor
It took from 5 to 6 weeks to get approved for a home loan through Mike Lynch and AmeriFirst Financial. Mike and his team guided me through this process with tremendous patience and understanding. Once I found a home that I wanted to buy the process of getting the actual loan and ... READ MORE Larry E. Carnes Owner of the Pottery Studio
Great job at solving the issues I had with credit Anonymous
Did a great job w my home loan,made it quick and painless Waynebalma
Mike Lynch exceeded every expectation I had for the home buying process. He helped me every step of the way and answered every single question I had ( stupid or not ). This was my first home purchase, and it could'nt have been better. He laid out all of my options and helped me ... READ MORE Jake Mires Service Manager
I am a retired bank manager, so I am speaking from 35+ years working with bank related customers and problems. In 2010 I lost my job, due to the recession. In 2012, I finally had to file for bankruptcy, not something I was proud of, but unfortunately had to do. I knew that getting a ... READ MORE Jean Littleton Bank Manager, retired
mike did a very good job for me purchasing a 2nd home in Crescent City, Jessica was most helpful friendly and kept me posted of progress. We recommend mike to our buyers here at Alpine Realty. Bill Larsen Real estate broker
My wife and I absolutely loved partnering with Mike, Gayle and Jessica. Their professionalism and warmth really made this process enjoyable. I was always kept informed and they made sure I understood everything every step of the way. I highly recommend Amerifirst. Thank you Mike, ... READ MORE Greg Simms
Mike and his team (Gail and Jessie) were the best! They helped us with the whole process of a VA refinance that was the easiest refinance we have ever done! They walked us through the whole process and returned any calls immediately that we had questions on. We recommend Mike and ... READ MORE Ronald and Karen Jones
We have had the pleasure of working with Mike and Gayle on multiple occasions. They have been extremely helpful, educated, and made the home purchasing process as stress free as possible. I do not feel like we are simply clients to them, rather friends. They have even assisted us with ... READ MORE Pamela & Monroe Lee Education/Owner Operator
Mike and his team (Gail and Jessie) walked me through every step of refinancing my home. The had incredible patience with me throughout this whole procedure. They took into consideration my health issues and made arrangements to give me the ability to fax all my paperwork from ... READ MORE Diane Lahey retired
Mike took a valued client from frustration to success. She was told her home would not structurally qualify for financing. This made refinancing and getting a good price in sale both doubtful. Mike researched Assessors/ Building Dept. records and found that the home was compliant ... READ MORE Mike Ferrier Financial Advisor, Brennan Asset Management Group
Mike is a pleasure to work with, kept us informed at all times and is very knowledgeable, we have been through the loan process twice now with Mike and highly recommend him.. Bruce Beck Retired Forester
We purchased our first house through Mike and couldn't have been happier. Not only did we purchase our first house, but did it without using any realtors. This would not have been possible without the patience and dedication of Mike and his team. Mike was very upfront and honest ... READ MORE Kurt MacArthur Managed Services Supervisor
I recently used Amerifirst to finance an investment property in Redding California. Mike Lynch was phenomenal. I have bought and sold many properties and Mike and his team at Amerifirst take first place over all of my past transactions. The follow up and professionalism of his ... READ MORE Scott Bailey Owner, SJB Foods. CMD Foods, Lumberjacks Inc.
I would recommend, without hesitation, Mike Lynch and his team if you are looking to finance a home. They are knowledgeable, friendly and work hard to get the best deal for you. Communication was great and necessary when you have questions that need to be answered quickly and ... READ MORE Mike & Shelley Underwood
Dear Mike & The Home 1 Team, Thank you all for the outstanding service you gave to the buyer ( Scott Bailey ) and the agents involved in the transcation on Rosebud. You always kept me in the loop from day one & throughout the entire process even though I was the listing ... READ MORE Robin Quinn Realtor with Next Generation Real Estate Services
Mike and his team did a wonderful job for our clients. I got regular updates though out the entire transaction. From start to finish they were making sure that every part of the deal was taken care of. I look forward to the next one. Christina Wooley Realtor
Mike and his team were fantastic to work with. They are very knowledgeable on the lending process, and have fabulous communication skills. As a Realtor communication is huge for me to know that we are all on the same page and reaching the timely goal of closing the escrow. I look ... READ MORE Cindy Young Cindy Young Realtor, Windermere Norcal Properties
We recently bought a home in Redding, CA. Mike Lynch and his team worked with us to help us qualify for a loan, and they were wonderful! Mike kept in touch with us throughout the process and all the paperwork, and we are very grateful for his support and expertise. I would ... READ MORE Kiyo Tracy Kiyo Tracy Kiyo Tracy
Just like thousands of other people, the "great recession" hit us pretty hard. That, coupled with major health issues put us in a tricky place financially. We needed to do a refinance on our home property but we knew that with our recent history it would be a challenge. ... READ MORE Steve and Lori Harris
I am very happy with the service provided by Mike Lynch and his team at AmeriFirst Financial. Mike was extremely friendly, helpful, and professional in securing my VA approved home loan. He made the process easy for me, and kept me updated the entire time. I would highly recommended ... READ MORE Ken Bowman
My wife and I needed to consolidate our debt in order to reduce our payment. Mike made the whole process a breeze. He was able to find a great interest rate. We knew exactly what documents we needed to provide. He reviewed everything and made sure the whole loan package was ... READ MORE Keith Jackman
My wife and I have used Mike's services many times over the last 9 years. We very much enjoy and appreciate the way Mike treats us, as if we're a good friend or family. Mike is very efficient and diligent in his work. We are always well informed of our situation and given the ... READ MORE Nick Ciapponi Fire Captain
From the moment I walked in to Mike's office I knew we had picked the right mortgage professional. He was welcoming, friendly and and made us feel like we were part of the family. From day one Mike and his team went to work to make our loan process smooth and timely. Mike made us ... READ MORE Pamela Storey Pamela Storey
Thank you Mike and his team for making our home buying experience go smoothly . When we had questions someone was always available. We really appreciate all their hard work. Ryan & Jami Perkins
It was a pleasure working with an old college friend. Mike seems to have educated himself beyond the level of some lenders. There were no hiccups in the process. Everything went exactly as he said it would. Mike kept me updated throughout the entire loan process. There were no ... READ MORE Chris Buckley PA
Mike is on it. His team is the best. In my 25 years as a Realtor I’ve seldom dealt with a lender I was so happy with. Chris Young Realtor
Wow! Getting a home loan these days is difficult, time consuming and stressful. But Mike and his team performed beyond our expectations. They explained everything! They knew what we are going through and everyone made the process easier on us. Mike and Gayle are an experts in their ... READ MORE Laura Day
We cannot thank Mike and his team enough for their efforts in the purchase of our first home. Their office scores a “10 out of 10” in sincerity, professionalism, knowledge and accountability. It goes without saying that we are huge fans of Mike and his team and would ... READ MORE Travor and Shelby Nelson

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