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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.


Curtis Helton was joy to work with. Everyone on his team has such a vast knowledge of what you need to do. My whole process was easy. Curtis and his team helped with every little thing. Anytime I had a question, they had the answers. I loved working with everyone very much. Stacy Sandy Food and Beverage Manager
Curtis helped me with my home mortgage. He definitely knows his stuff and couples that with a genuine desire to help people. I am so thankful Curtis was there to help me with my mortgage. Kimberly Moon Client
Curtis worked with me on the finest of details and he was so very patient. I am so grateful! Delia García Delia García Home Owner!
Curtis and his team were absolutely wonderful! I loved working with Lauren Kerchner and Briana Hill — they are superstars!!!! Amazing customer service: fast, courteous, efficient, and responsive. We closed ON TIME! As a first time home buyer, I couldn’t have asked for a ... READ MORE Katrina Villanueva Katrina Villanueva Professional lines Underwriter
Curtis and his team are the people you want helping you with this process. Everyone was very knowledgeable and enjoyable to work with. I will be recommending them to my friends and family going forward. Sam Safronoff Automation Engineer
Curtis and his team are amazing. Without them, we would not be in the house we're in. Super fast response to any question. Makes you feel comfortable in a very tough market. Made you feel welcomed, no matter what your price point. Highly recommend them!! User393859
Curtis's and his team were great since my first encounter with them. Curtis answered my email promptly in a timely manner. His team kept me informed and thoroughly explained every single step to me, who was illiterate at home buying process. From the time I was under contract to ... READ MORE Jing T
The constant communication with our loan status and progress was great! Curtis and his team always responded in a very prompt and professional manner. I would highly recommend Curtis and Catalyst Lending to future buyers. by Chris T Chris T
Curtis and his team were extremely easy to work with and made the entire process pain free. I would definitely refer my my friends and family! by Wes M. Wes M
Curtis and his team were so helpful and positive throughout the whole process. I would recommend them to everyone I know!! by Ashley C Ashley C
Curtis Helton and his team, specifically Lauren Kerchner and Kelley Strombeck worked miracles to get my family in a house as soon as possible. I had a previous lender that was stubborn and not even motivated enough to respond in a timely fashion, and the group over at AmeriFirst really ... READ MORE Evan W
The entire team at The Helton Team were AMAZING to work with. They went above and beyond to help me purchase a home. The communication was the best I've experienced with a company and the professionalism was outstanding; they did exactly what they said they would and so much more. ... READ MORE Summer A
The HeltonTeam was fun to work with! Their communication skills were impressive, e.g. Curtis who followed up the next day to my initial midnight on-line application/inquiry and who kept us abreast of the progress through the maze of mortgage minutia, all the while answering a myriad of ... READ MORE tmspillane from Peyton, CO
Curtis and his team were awesome from the beginning!! Whenever I had a question about ANYTHING Kelly, or Lauren would be available on the spot if I wasn't able to reach Curtis. Then Curtis would follow up just to make sure I completely understood!I would absolutely recommend ... READ MORE onemrslove from Aurora, CO
Curtis is a great lender. My husband & I were 1st. time home buyers, so all of this was new to us. He explained everything to us & he also got someone to explain it in Spanish to my husband so he could better understand all the terms. Curtis is an excellent person & lender, ... READ MORE angieverdin from Lakewood, CO
Curtis and his team handled every thing professionally and kept me informed the whole way through the process. Questions where answered very rapidly and clearly Mvise1 from Boulder, CO
they did a good job, very quick to answer any questions I had, and even helped me find a realtor. which helped that they worked together, made it fast ajabori from Aurora, CO
I am a first-time home buyer and I found Curtis through the internet. I had spoken with a couple of different lenders, but Curtis' team was the first one that took the time to explain the process and not be pushy about it. I very much appreciated that approach! Curtis also helped ... READ MORE dmortimeyer from Thornton, CO
This is the third home I have purchased, and it was by far the quickest, most efficient process yet. Curtis and his team, especially Kelly were attentive and responsive no matter how many times I called. debmtn from Denver, CO
Curtis and his team was excellent. They made my home buying experience very easy and painless. Curtis was very good about getting back to me and answering all my questions. I would highly recommend them! Good people with good values and trustworthy!! user92559652 from Thornton, CO
Curtis and his team treat you as if you were their brother or sister, walking you through best options and carrying you along in the process to completion. I sensed absolute integrity and transparency from the beginning of the process and throughout, which allowed me to relax, knowing ... READ MORE robandjulie3 from Denver, CO
Curtis and his team are amazing. Without them, we would not be in the house we're in. Super fast response to any question. Makes you feel comfortable in a very tough market. Made you feel welcomed, no matter what your price point. Highly recommend them!! mds10us from Aurora, CO
Curtis and his team at AmeriFirst are wonderful to work with. Curtis is responsive, professional, and knowledgeable. I recommend Curtis to my clients. Emily Gomez Emily Gomez Managing Broker

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