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ABOUT ISRAEL VALENCIA GARCIA

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
  • FHA/VA/USDA

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.

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Estimate

$1,341/mo
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.

SEE WHAT PEOPLE ARE SAYING ABOUT US

Israel Garcia did a really good job, he is friendly and very realiable answering all my questions, he did everything to help me with my loan I highly recommend him to everyone who needs a mortage loan. Thank you. Nohemi Cruz Israel Garcia Mortage Loaner
Working with Israel Garcia in the process of buying a house was a great experience. He is very reliable and well experienced. Vicente Duran Garcia Home owner
Gracias a Israel García y jessenia por habernos ayudado a encontrar nuestra propia casa estamos muy agradecidos se los recomendamos gracias a ellos pudimos cumplir nuestros sueños se los recomendamos para las personas que quieran comprar su casa Israel García y ... READ MORE Israel Morales García Israel Morales García Pintor
Israel es un profesional en su officio Definitivamente recomiendo sus servicios y puedes contar con el en todo el proceso muy atento en responder todas sus preguntas que tengan. Guadalupe Castillo N/A
I could not have asked more of Israel he did everything he could to make this very stressful experience of buying my first house as stress free as possible .Israel a sword every question I had and helped reco.end the best solutions for me in the future I will definicely come to him for ... READ MORE edgar godinez sales representative
Would recommend! very satisfied. Sergio Oscar Araujo Gomez Operator
Me gusto mucho la forma como trabajo Israel conmigo,porque el pudo hacer lo que otros no pudieron para poder conseguir el préstamo para comprar mi casa. Lo recomiendo 100% para ayudar a cualquiera que este buscando un prestamo para casa. Rodolfo Morales
I highly appreciate and recommend working with Israel as he patiently worked to get me the best deal on my new property. Always available as well attentive to all my inquiries, he facilitated the process of buying a house. All the documents I signed were explained before hand, and any ... READ MORE Anthony Paez New Home Owner
Exelente . Persona .Muy. Responsable. Atento. Y. Muy. Eficiente. En. Su. Trabajo. Yo. Lo .Recomiendo. Xk. Ami. Me .Ayudo. Bastante gracias Ana. Soto najera Town house
Solo tengo una palabra profesionalismo es un equipo muy completo gracias por tu ayuda Diego Gutiérrez Buyer
Highly recommend Gloria Tornel
Israel Garcia is a wonderful person. Israel did not stop working on my loan until i got my house. He is a really nice person and explains every detail and answers all your questions. I am very greatful for what he did for my family and me. I would recommend him to friends and family. Thank you Eva Martinez Eva Martinez I work in production area I'm an engraver.
Me gusto mucho la amabilidad,pasiencia,dedicación y toda la ayuda que me brindó Israel siempre contestando mis preguntas y aclarando cualquier duda. Gracias a toda su ayuda pude obterner el préstamo para mi primera casa. Lo recomiendo 100%. Karina j Sánchez Hernandez Karina j Sánchez Hernandez Owner of Tile Installing Company
Israel was excellent. He was on top of everything, really helpful and made everything simple for me and my family to get a house. Armando Duran Armando Duran New house owner
Les recomiendo a Israel ,muy amable y siempre contestando nuestras preguntas en el proceso de comprar nuestra primer casa. miguel alvarado
They did a awesome job. Very patient and work fast at getting the job done. Thanks alot guys Rodolfo Andrade
Israel es una persona muy atenta amable que me ayudo a cada momento de mi prestamo la verdad yo lo recomiendo al 100 porciento. gracias a el tube el prestamo de mi casa fernando vazquez rodriguez
Israel comes highly recommended He went over the top with helping us purchase our first home.I wasnt sure what to expect during the process but he made everything clear and the process went very smooth for me and my family.5 stars and i will recommend him he will make it happen. David Villalobos
Israel and his staff were amazing. My husband and I are self employed and Israel was able to get us approved by thinking outside of the box. Not once did I hear him admit defeat. Israel worked hard for us even though our loan was smaller than most. I know he will work hard for you too! SONIA MONTESINOS Realtor
I highly recommend israel he is very professional and has a great experience on what he does, he made the process of getting approved for our home loan way less stressful than I thought it would be! he got us through from start to finish in a few weeks !! Yesica Yesica
Muchisimas grasias por todo ....es el mejor Israel García Anonymous
I just want to thank Israel for a smooth transition on purchasing my new home. He send all my e sign docs on time, even with me being out of state. I highly recommend him for your future financial needs. Jesus Munoz
Faustino fragoso kiero comentar ke Israel garsia es muy buena persona para ayudarnos con los préstamos para kien kiera comprar su casa selos recomiendo Faustino fragoso
Israel Garcia is very trustworthy person and I really enjoyed doing my refinance through him. I would definitely recommend him to anybody I know and is looking for this type of service. Rigoberto Vazquez
Nice Job, Fast, Easy Anonymous
Awesome to work with, excellent support team and fast easy closing. I would highly recommend Israel Garcia. Jorge
Gracias por la paciencia que tu bieron con nosotros, son unas personas amables , y cualkier cosa aki estamos ... sus amigos, byron y Susana 😀🙏🏼 byron barrios byron barrios
Israel was very patient and understanding he helped me with all my needs to buy my house. I greatly appreciate his help and im very thankful . Iam happy my nephew Freddy Pryor recommended me to him because everything he told me about him was true he was very helpful. I recommend Israel ... READ MORE Irene Martinez Irene Martinez Home Buyer
I can say a lot about this team , but I'm just going to say it in one word. AMAZING!!! Team to work with. THANK YOU VERY MUCH!!!! Carlos lozano Buyer
Me encantó, el trato del Sr. Israel y todo su equito, son unas personas,muy amables,respetuosos, con muy buenos principios, que se enfocan en nuestras necesidades, en nuestros sueños de compradores por primera vez, saben como tratar a las personas,a todos por igual sin ... READ MORE María Lezama TL
Israel Garsia iso un trabajo exelente siempre ala orden y te contesta a todas tus llamadas. Responde a todas tus dudas y preguntas. Gerardo Davila
Israel Garcia, an Exceptional Loan Officer and Person I would like to recommend, strongly recommend, Israel Garcia, a Senior Loan Officer. Israel is a very dedicated individual who works for his clients and follows through on every part of the process that is under his purvey. ... READ MORE Brenda Ortiz
Dear whom ever this is directed to, I just wanted to take the time, to really thank Israel Garcia for the way he took care of us and the way he handled the loan situation, and I admired the seriousness it was handled with sincerely Rosa Maria azamar Anonymous
Agradecidos por toda su ayuda paciencia excelente haciendo su trabajo dios lo siga bendiciendo mucho a usted y todo su equipo de trabajo saludos Cynthia quiroz Cynthia quiroz Sergio Quiroz
Israel he become a great blessing because for his honesty I got the opportunity to buy 1 house in Phoenix and a second one in el paso my wife uncle got his help to good person to work whit it. I will probably contact him one more time for a 3rd house in San Antonio Familia Palma
Israel was excellent in all aspects of the transaction. I was representing the Seller and I was pleased to work with Israel and his team from the introduction to the phone call at the end to personally thank me. Great job Israel, I hope to work with you again. Marcus Marcus Bacon Realtor
Excelent Scarlet Trejo
Good service and fast processing Mujubur Manager
Gracias por tu ayuda al refinanciar mi casa si duda la mejor persona ke pude encontrar para refinanciar mi casa sinceramente muy agradecido Vicente nafarrate
Israel did great throughout the process of my transaction. Everything was completed correctly and on time to keep both parties happy. I will be using AmeriFirst again for future transactions. Thank you for all your help! Jessica Huerta Jessica Huerta Realtor
Amazing job. Help me and my husband get our first home. Very professional and friendly. Would recommend him to anyone. He answered all my calls, e-mails and helped me out with all the specifics. Thank you again Awesome job.! Jennifer
Israel help me out to get my first house he's very professional and he answered the phone every time I had a question, i would recommend Israel if you need help buying a house no doubt he will do anything for you to get your own home. Daniel oros Electrician
Paciente Atento. Y. Conprencibo. = Exelente. En. Una. Sola. Persona. Gracias. Israel. Garcia Sin. Dudas. Te. EscoJeria. De. Nuevo. Super. Recomendado 😊 maria g amaya driggs
I yes want thank israel Garcia for helping me buying my home he did a realy good job i recommend to all the people looking for a home realy professional thanks again👍. Mario espinoza Home buyer
Gracias Israel insiste muy buen trabajo con nosotros teníamos varios años intentando comprar la casa de nuestros sueños de nuevo gracias por tu ayuda fue un compra excelente Nereyda n mondragon Nereyda n mondragon Amerifirst financial
Queremos recomendar 100% a Israel Garcia, por el excelente trabajo que brinda y por su gran honestidad. Gracias a el obtuvimos nuestra casa y tambien ayudo a mi hijo a refinanciar su casa. Gracias Israel por tu amabilidad, tu forma de explicar las cosas en una manera muy entendible y ... READ MORE Familia Francisco. Familia Francisco.
I yes want thank israel Garcia for helping me buying my home he did a realy good job i recommend to all the people looking for a home realy professional thanks again👍. Mario espinoza Home buyer
I want to thank Israel Garcia for the great job he did helping me and my husband refinance. We had tried with other loan officers but they didn't offer enough help to go through the process; however Israel was with us until the last step of the way. We highly recommend Israel as ... READ MORE Rocio Gonzalez
Es una persona muy professional en su trabajo mi familia y yo estamos contentos con nuestra casa gracias a Israel Por su ayuda Francisco Javier Serrano General manager at streets of newyork
Highly professional, knowledgeable and responsive. Always looking out for my best interests. Rose Pizarro
Israel went above and beyond to get me into our new home. There were issues with my loan that were not part of his duties. He took the time not only to explain but also walked me through the process of taking care of and solving those issues. I highly recommend his services. Carlos Renteria Carlos Renteria
To start Israel is a great loan officer , from the start really nice and has great communication. All my questions were always answered and always tried to be available for any concern . Would definetly recommend, his really great at what he does makes it happen along with his team . Jose
And show me how to get my house got good customer service do good job I recommend somebody else if you buy another house I'm going with him to get another house thank you Milton Welder
Israel is one of the best in his field, he goes above and beyond for our clients matching the loan product to our customers needs I would highly recommend Israel, honest, efficient and bold are some of the many traits he has shown working with our clients. Clients always give us ... READ MORE Brian A. CPM
Israel was pretty helpul with my house buying process the we definetly recommend him to help you getting the loan you need to buy your house. Thanks Israel Obed Zamorano Fac Tech
I have known Israel Garcia for over fifteen years and I've never met a more honest man, father and husband. Israel has ALWAYS went above and beyond anything he could do to help our family get the best options out there for home selling our buying. Israel Garcia has helped us ... READ MORE Beverly McGriff Corporate Secretary
Israel and his staff at AmeriFirst have always been a pleasure to work with. Israel is always responsive to all questions, dependable and reliable in accomplishing the task at hand. I am most impressed with the turnaround and how quickly he gets his loans approved and funded. His ... READ MORE Jessenia M. Garcia Jessenia M. Garcia REALTOR®
Israel is a great Loan Officer that takes good care of his clients and guide them from the beginning until the end of a transaction. He closes on time the transactions. I recommend him as an excellent Loan Officer. Rosa Atencia Real Estate Agent
I highly recommend Israel, he is very professional and fast response time. He was very helpful and directed us to exactly what we needed to so to buy our first home. Three years later we are so,so happy in our home. I have refered him to several people. Raquel Martinez
I was having a very difficult time to get financed on my house. Israel went above and beyond to achieve my goal in purchasing my home. Now I am living happy at my new house, thanks to Israel's hard work and dedication. Jorge Deniz Torres Utility Technician
It was a pleasure to work with Israel Garcia on the purchase of my first home. I had many questions, as this was all new to me, and Israel made sure I understood the whole process and explained everything I was signing. I truly appreciated his honesty and patience. Thank you Israel! Elizabeth Pérez Injury Prevention Specialist
It is been a pleasure to work with Israel in his profetional team in last 4 years always aware of all the isues to accomplish our dreams to buy a house we always recommend him with all our family and friends Gracias Israel. Jose and amelia Jose and amelia Tech. Industry
Solo para compartirles mi esperiencia con Israel garcia por segunda vez me ayudo a solucionar mi prestamo siempre dispuesto a aclarar cualquier duda muy agradesida con su ayuda y porsupuesto k yo recomiendo sus servicios una persona muy profecional !!! yadira monge
We were very pleased with your loan processing!! we closed sooner than expected and we continue to recommend you to all of our friends that are looking into purchasing!! We greatly appreciate your business, and will definitely return to you once we are ready for our next purchase!! ... READ MORE Sonia Abril Medina Sub-Zero Operations
Querido compartir mi historia y mi grandiosa experiencia con Israel Garcia con tan solo dos años de haber llegado a los Estados Unidos el señor Israel Garcia me ayudó a hacer mi sueño realidad .el sueño americano de tener mi propia casa . Siempre esta ... READ MORE Yudy Romero Yudy Romero
Hi, I recommend Israel Because he is berry professional on my personal experience with hem is been the best because he explained every single detail to me step by step and he is available all the time, he still helping me when I have a question I'm really thankful to hem and I have ... READ MORE Veronica Porras Macias ECG Monitor tech
hola . yo quiero recomendar a Israel Garcia por que el hizo un buen trabajo cuando yo fui a comprar mi casa todo fue muy facil para mi con la ayuda de Israel todo fue bien claro cualquier duda que tenia me explicaba bien hace un trabajo muy profecional todo fue exelente . osmany martinez driver
Israel Garcia is an outstanding Mortgage Loan Officer. He is an experienced Loan Officer that is honest, knowledgeable, thorough, hardworking, diligent and motivated. Israel has all the qualities that an outstanding Loan Officer must possess in order to succeed and thrive as long as he ... READ MORE Mauricio Leiva Real Estate Broker
I would just like to say how professional and hard working Israel is. He always is on top of things dedicated to making paper work and procedures fast in order to get the house of your dreams. You will love him I recommend him to everyone. Nidya N Carvallo
It was a pleasure working with Mr.Garcia. He was above my expectations, polite and very profesional. I highly recommend him to assist you in your home process. As to me anytime I become in need to purchase another home i will definately contact Mr.Garcia. Flor Acosta Dental office manager
Israel Garcia has communicated with me in a very professional manner. In the past, he has made himself available -so that I can ask any questions. Even when the questions were late during the evening. From my end, it seems that Mr. Garcia is very organized and detail oriented. ... READ MORE Marlene Montiel 2nd grade teacher
Israel help me to get my house, and my house loan. He is a great and nice person, he really help us. I recommend Israel to all people that wants someone that help them find a house or a house loan. He is a really serious person. Marvin Perez
Excellent customer service very informative with all information. It was both my husband and myself's first time purchasing a new home , Israel helped us through everything and explained all in detail what we signing. I would recommend anyone to have Israel ne apart of the process ... READ MORE Monica RICO Operations Supervisor
quiero dar las gracias porque ya es la segunda vez que nos ayudas a conseguir nuestro ptrestamo la primera vez nos gusto mucho tu honestidad y eficiente trabajo por eso no pensamos en otra persona cuando volvimos a nesecitar la segunda vez , gracias por todas sus atenciones RAUL PEREZ
I'm so grateful with Israel Garcia, since day one that I spoke to him I knew that he was a serious person and professional, he told me; "We are closing in 45 days"! And it happened, Mr Garcia helped me a lot and we always kept a great communication during the process. ... READ MORE Heidy Morales Heidy Morales Underwriter
Yo estoy super agradecido con Israel Garcia ya son los 2 años de conocerlo cuando nos ayudó con el préstamos de nuestra primer casa y este año vamos por la segunda casa muchas gracias por explicarnos paso a paso el proceso del préstamo yo y mi ... READ MORE Jorge R Pama Jorge R Pama Comprador
Hello, I want to thank Israel Garcia, because he help me, well us my family to get, buy this house, with proffessionalism and honesty, tell me what documents I need it, always unswering all my questions with smille, I can't be more bless that I have him as a loan officer, and I ... READ MORE Maria D Martinez MedicalTech
Israel worked on my loan and he was prompt and always got back to me when he said he was. He also told me upfront what interest rate I would be getting and he made sure that happened. His assistant Ivan Madrueno made sure everything went by smooth as well. I would greatly recommend him. Alex A. Romero Cyberlink Communications-Owner
I DEFINITE RECOMMEND MR. ISRAEL GARCIA AS A LOAN OFFICER. I HAVE BEEN WORKED WITH HIM IN TWO OCCASIONS TO GET LOANS AND HE HELPED ME A LOT IN EVERYTHING I NEEDED FOR. HE DID AN EXCELLENT WORK. MR. ISRAEL IS A VERY PROFESSIONAL, INTELLIGENT AND SUCCESSFUL PERSON . THANK YOU ... READ MORE BLANCA ROSA MARTINEZ BLANCA ROSA MARTINEZ CLIENT
He does a great job with the help he gave us to get our house, which we were first time buyers, and lead us in the right direction to accomplish of getting the house we wanted. Aldo Ivan Reyes
 

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