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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.


Mike MESSER & the entire Mills Team were nothing short of spectacular. They worked diligently throughout the entire buying process. Mike & Mercedes made themselves available to my concerns about documents, new utilities, moving, etc, etc, no stone was left unturned. They ... READ MORE Larry E. OSBORN RETIRED USMC OFFICER & LAW ENFORCEMENT
Everyone was so easy to work with given all the paperwork and hurdles. The team was amazing, patient, and helped us at every turn. Randall made a point of reaching out to congratulate us at the close. A great group to work with and highly recommended. Scott R. Client - Buyer
This was the first time we worked with the Randall Mills and his team of professionals. We had an excellent experience with his team from start to finish and ended up closing 10 days early thanks to their efforts. A Happy Homeowner Client - Buyer
This lending team was everything you’d want. Fast replies. Fast decisions. Fast approval. The crew here is over the top friendly and goes out of their way to make you feel appreciated. This team makes buying a home fun! Tyler C. Client - Buyer
My wife and I had a great buying experience with Randall’s team. We are first time home buyers, and they were very accessible and easy to work with. I couldn’t tell you how many questions we had, and Randall always made sure to answer our questions within a timely manner. ... READ MORE Andy Y. Client - Buyer
This was the first time I worked with the Mills Team & I must say it was the best experience from start to finish. I had a bad experience the last time I bought a house with the mortgage team I used. My realtor strongly suggested Randall & I was not disappointed. His team was ... READ MORE Gregg D. Client - Buyer
Without a doubt, Randall and his team are top notch. From a buyer's perspective, they communicated with us very effectively throughout the home buying experience from pre-qualification to close of escrow and beyond. Every step of the way, we were informed of what and how the ... READ MORE Jonathan D. Client - Buyer
Top Notch Service - Worked with us every step of the way and made sure we had answers to all the right questions. The team kept us up to date on everything and was patient on the things that needed explaining. Kathryne L. Client - Buyer
Randall Mills and his team were excellent in every aspect. We chose to forego a realtor and The Mills Team allowed us to complete the transaction with ease. The team members walked us through each step and offered necessary guidance throughout the process. This team has it dialed in ... READ MORE Eric & Nikki S. Clients - Buyers
Randall is very sharp. Knows the business. He is very professional yet personable. His entire team is well trained, responsive, friendly, and efficient. Randall takes the time to communicate and follow up personally as well. Great doing business with people at their level of expertise ... READ MORE Joe K. Client - Buyer
I contacted Randall after waiting several days for a response from one of his competitors. From our first contact I knew we had found our financial team. Randall took the time to talk to us, and really listen as we explained what we needed. Within a couple days we were pre-approved, ... READ MORE Don and Kara M. Clients - Buyers
My wife and I bought our first home using The Randall Mills team for our home loan. They made the whole process very easy for us. They were very thorough and we could tell they cared about us through the process. Thanks guys! John L. Client - Buyer
Amerifirst / Randall Mills / Lender was always extremely helpful and always on top of things and made my home buying process a breeze . Michael T. Client - Buyer
It's not often that a business handles something as involved as a mortgage without something being less than hoped. But the Mills Team (and they function as a well-oiled team) hit it out of the ball park at each step. We closed in 21 days (from contract to keys) in the midst of the ... READ MORE A Happy Homebuyer Client - Buyer
Randall, Chad & Jennifer were all splendid, as a first time home buyer, they promptly answered all my calls and gave me up to date information on what can be a stressful process. I thought buying a home was going to be difficult, not with this team! Chris K. Client - Buyer
Blessings come after prayer and after some leg work. The Mills Team was part of our blessing to get our new home! Everyone was so friendly and helpful after a bit they just seemed like you were chatting with family. They made our process 100% better than working with anyone else... Believe us! The Jones Family Clients - Buyers
These guys actually did what they said they would at every turn. I had been trying to buy a house for more than 4 years-ish. I kept working with my credit union, and tried a couple of solo lender firms. Absolutely none of them were as attentive, direct and nearly as helpful as The ... READ MORE Rutan M. Client - Buyer
I worked with Chad and Jennifer the most and a little with Randall. It didn't matter who I was working with, we received stellar service and very quick responses. They got us into our new home quickly and with little effort on our part. I would recommend this team to any one as ... READ MORE John G. Client - Buyer
Buying a house is never easy but the excitement somehow helps to get you through it. The Mills Tea made it smooth and comfortable . They made us feel like a top priority even though I’m sure there were many top priorities. Use them, you won’t regret it. Jen Dale Jen
Was very happy with Randall and his team. We closed on time, and had very few bumps in the road. Randall and Chad were very helpful, and provided a lot of information. They made closing on my condo purchase smooth and easy. Thanks. Ron A. Client - Buyer
This guy is awesome and wouldn’t recommend anyone else, was with another lender in the beginning of my search and it was a big mess, contacted Randall and everything was resolved and then some! He was able to get me into my wonderful home while being on a tight time crunch, I ... READ MORE Stephen W. Client - Buyer
Absolutely the best lender and lending team in the business. Randall and his team work at the highest level in the business with top notch systems and processes to ensure that all loans get done right and on time. Jeff M. Realtor
Thank you for all of your help during this important time in my life! I honestly could not have done this without you; your willingness to step in so quickly when things fell through for me is so appreciated. Your team's knowledge and expertise in this field is top notch, and I am ... READ MORE Megan T.
We just bought our 1st home in over 10 years. Randall and the Mills Team made it easy and fast. They thoroughly explain what to do and what to expect every step of the way. They answer questions quickly and accurately via phone and email. When we buy again, The Mills Team will be our ... READ MORE A Happy Customer
Randall makes understanding the loan process and steps needed easy to follow. The man has a lot of patience when it comes to explaining all that is required to be successful. Michael M.
Randall and the Mills team are great! Easy to work with, answers any questions and keeps you up to date the hole way through. I would recommend them to anyone looking to buy a house! Great experience. John D.
As someone who never writes reviews and in truth this is my first. Randall and his excellent team over at AmeriFirst financial helped me and my family with our dream of owning a home again. They did everything in there power to work it out for us with no head ache. If you think you ... READ MORE Daniel M.
Randall and team were willing to answer all of my first time questions and were kind and polite throughout the whole process. I'd suggest Amerifirst to anyone who wants to get a loan. Sean N.
Using Randall and his team at Amerifirst to buy our first home was a great decision. He was always available for any questions we had and his streamlined process from beginning to end was extremely helpful. Can't thank him and his team enough! Brooks Griffith
Randall was recommended to me by a co-worker who had had great service from Randall and AmeriFirst. When I first made contact with him, he was very responsive to me, He and his staff worked diligently to make the mortgage process a good experience. I had a very special situation ... READ MORE Barbara Thorn Appraisal ReviewerII
My entire first home purchase was so easy working with the Mills Team. They kept me informed throughout the process and were extremely kind to work with. I love my new home and am so grateful to have worked with your team. Melinda R Project Coordinator
We worked with Randall and Team to set up our first American Mortgage with 0% down. His team was always on top of all inquiries and always have the right and correct answers that help make our first buyer a great success. I would recommend him and his team for all of your mortgage needs. Timothy Marshall Supervisor IT, Infrastructure Engineer
I was very pleased with Randall and his awesome team. You do not find that often in today's society. This is my 5th home purchase and I have never had anyone other company even come close to the efficiently of the Mills Team. Everyone on the team kept me updated in all phases of ... READ MORE Debra H.
Purchasing a house is very stressful indeed! However, thanks to the Mills Team - Randall Mills, of AmeriFirst Financial, the loan process was efficient, on schedule and very professional. Judy B.
Dear Mr. Mills and Team I wanted to thank you for your invaluable assistance during my home buying experience. I found your services to be excellent. Your team went above and beyond to help me and made the whole experience pleasant and satisfying. I appreciate that your team ... READ MORE Johnna Scurlock Nurse
Randall Mills and his team were great to work with on the financing of our home! Randall and his team were extremely cooperative and ALWAYS available to answer all of our questions. I was amazed at how soon I would get a response to my phone calls, texts and emails...often after ... READ MORE JOHN HAFER
This was the second time that I used Randall Mills' organization and I think they are just fabulous. They dot all the I's and cross all of the t's. The people I worked with were very competent and personable. If I were to refinance in the future, I would do it through this ... READ MORE Matt C.
Randall and his team were very professional and took care of all the paperwork for us quickly and timely. They also called frequently to check on our progress and asked if we had any questions for them. I would recommend them to anyone buying a home. Derril W Shiflet Home buyer
From day one when I called in to inquire to see if it was even possible to buy a home and my my wife & my dreams come true of buying a home Randall was there every step of the way he was honest up front and sincere from the beginning and told me if there was a way he would find it ... READ MORE William L.
Randall and his team were amazing throughout the loan process! They always kept me informed on what was going on. As a first home buyer i was very nervous on purchasing a home but Randall and his team had an answer for every question I had. If i had to call and they were closed they ... READ MORE Michael Q.
Randall and his team were easy and great to work with. They made sure we closed on our new home in time and handled everything professionally from A to Z. I would recommend Randall and his team to anyone else looking to purchase a home. Andrew Stehlin General Manager
Randall and his staff did a great job on a recent refinance for me personally. I would highly recommend him and his company. Customer service is the key for a great relationship with a lender! Susan Jacobs Investor, Broker/owner
Randall and his staff were amazing to work with on refinance Terry Knutson
Randall and his team were amazing every step of the way! We had a million questions and they were always very thorough and very knowledgeable answering them all for us. We are very thankful to have been able to have him working hard for us to complete the purchase of our new home. Holly Geymont Accounting Manager
From the moment we placed the call to inquire about financing till the day after loan recorded we were inundated with over the top kindness, ease of the financial burden of qualifying & smoothness of the major event of purchasing our home. The communication Chad & his ... READ MORE Kelly Marcotte Department of Economic Security
From the moment we placed the call to inquire about financing till the day after loan recorded we were inundated with over the top kindness, ease of the financial burden of qualifying & smoothness of the major event of purchasing our home. The communication Chad & his ... READ MORE Kelly Marcotte Department of Economic Security
Randall Mills and his team helped me to purchase my very first home and a year later helped me to lower my Interest Rate on my Mortgage. I would highly recommend Randall and is team; they are very knowledgeable on the housing loans and how to achieve your dreams to own. Sandra R Lyon Accounts Receivable
What an amazing team Randall has! Knowledgeable, patient, accurate and efficient. Each and every person I had the pleasure of interacting with exceeded my expectations. First class group in every way! 🌟🌟🌟🌟🌟 Wendy Happy Home Owner
Great staff. Gets back go you right away when you have questions. Wonderful to work with this company. Emmett Abel Teacher
I have worked with Randall, for a long time and evey single time he gets the loan done early or on time! He always solves any challenges we may face and with a positive attitude makes it happen. I have 110% faith in him he is simply the best!. Kristie Lund Kristie Lund Realtor
I would like to thank Randall and his team at Amerifirst for diligently working on our file they have good communication skills and are very efficient at working with files and trying to get them approved and keeping us in the loop of where we were at with the process. I would highly ... READ MORE Gloria Pena Office Manager
My wife and I recently purchased a new home and acquired our loan from Randall Mills of AmeriFirst Financial. We can't say enough about the first class service we received from Randall and his team. They all were professional throughout the entire process. We would definitely ... READ MORE William McLaughlin Home Owner
Working with Randall and his team has been a extremely wonderful experience. Professional service, from beginning to end. His Team is very detail driven to walk you thru all the process seamlessly in a timely fashion to make sure all the documents are complete and knowing the job will ... READ MORE Richard Mills Richard Mills VP of North America
Our lender and his whole team were nothing short of AMAZING and I cannot say enough great things about him!! The purchase of our home was pretty much falling through and they picked up the slack and MADE IT HAPPEN!! Because of them we were able to get the home our hearts were set on!! ... READ MORE Traci Z.
This was my first home buying experience and Randall and his entire team made it painless, smooth and quick! Was referred to them by my realtor, April Mauch, and am very thankful she did! I would highly recommend their agency! Everyone was very attentive, easy to get a hold of and they ... READ MORE Amanda B.

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