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State License: AZ #925445

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, Inc. 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.


I am a family oriented individual! I believe that family is the most important part of your life. Life is short, so make each day count!

What I love about my job:

  • It brings me great joy to be able to help individuals, as well as, families own their own home!

Proud accomplishments:

  • Mortgage Loan Originator License in AZ
  • Bachelor of Science in Global Management with concentration in Finance from ASU

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 / 0% Interest
  • Principal & Interest $0
  • Property Tax $0
  • Homeowners Insurance $0
  • Mortgage Insurance $0

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.

See what people are saying about us

Georgeta helped me with my first home purchase 6 years ago so, naturally I reached out to her to handle my refinance to get rid of my PMI and enjoy a lower interest rate. She got to work on it IMMEDIATELY and before I knew it, it was complete. Georgeta was a breeze to work with and ... READ MORE LaDonna Milliner Supply Chain Manager
Absolutely the best in the business!!! A+++++ Peter Diamond CEO
Georgeta did a great job! Very knowledgeable and went the extra mile. Thank you! Otilia Husu
Georgeta is great. Knowledgeable and follows up with you. Proactive and answer your questions in a timely fashion. Judith Steward Home owner
Georgeta Chelmagan was Phenomenal at her job. She was able to find extra money for our new home. She was on time with everything. If anything was due she had a step by step email with instructions. She was also very patient. She was informative by calling or text or emailing me and ... READ MORE Andrea L. Johnson Glenn Andrea L. Johnson Glenn Ecommerce Manager
Came highly recommended and did not disappoint. Very professional, knowledgeable, answered all calls promptly. Would use again for future transactions. Job well done. Dan Trifiani Development engineer
Forgot to add my star rating. 5 stars all the way around. JD Dominguez
Absolutely highly recommend Georgeta. Very efficient and informative through out refinance process. Working with her was totally aces! JD Dominguez
Georgeta is amazing to work with. She made everything so easy and simple to understand and went over everything fully in detail. She really went above and beyond for us. This is our second time working with her and we would work with her again! Thank you Georgeta! Anonymous
I cannot stress enough how thankful I am for Georgeta. I’ve worked with many other loan officers but she went above and beyond to get us the best deal altogether. She made herself available at any time of the day and truly was so knowledgeable about everything she worked on with ... READ MORE Livia Radu Medical professional
We've done several loans with Georgeta and she has been the best Loan officer we've worked with. She's very detailed and on top of her game. Cornel Business owner
Great experience , very professional . I definitely will come back for future Business with Georgeta. Benito gurule Assistant builder Beazer Homes
She is excellent she did a wonderful job helping us with our house and refinance she’s a very hard worker and we really appreciate everything she’s done for us we highly recommend her to everyone.. Thank you again for everything you’ve done for us.. Romeo & Lidia Popovici Romeo & Lidia Popovici Customer
Georgeta is a true professional and the absolute BEST in the business!! She is always on point, very responsive and gets the job done every time. Would highly recommend!! Peter Diamond Owner
I was really impressed with Georgeta's style of getting things done on the mortgage side. I appreciated how well we worked together and was grateful how she was able to go out of her way to help our client get more credit with the majority of the closing costs. Georgeta is a 5 STAR ... READ MORE Robert Alexe Robert Alexe Realtor
"I highly recommend Miss Georgeta C. & Amerifirst Company. They are professionals that go the extra mile without the extra cost. They work with my schedule. I was greatly satisfied and appreciative for the professional help I received. " Flavius Birau Buyer
All I have to say is this: we closed 9 days before scheduled closing and with a lower interest rate than expected. Also she has excellent communication skills. Alin Calini Buyer
I’d like to take a minute and recognize the hard work and dedication that Georgeta has put into making my loan a lot easier not only for myself but for The other individuals involved. She always remained a level of professionalism every question I asked she answered with a smile ... READ MORE Jacob Chelmagan
Georgeta Chelmagan was simply amazing, she was always available to talk and had an answer to all my questions. I’m a first time buyer and I can truly say that I made the best decision by going with Georgeta. She is super kind, sweet and a very hard worker! Will definitely be ... READ MORE Samuel Zinici Home buyer

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