Amerifirst Home Mortgage

Our staff is amongst the most experienced staff in the state. We pride ourselves on being highly knowledgeable professionals in our field keeping track of the ever changing landscape that is mortgage lending. We find the perfect loan solution for every customer and a high percentage of our repeat customers and referrals says all you need to know about how our customers feel about us.

Make no mistake, there's quite a lot involved in oder to get a mortgage. You would not be researching mortgage loans if it were possible to get a mortgage loan in a single day with a simple application. But James M. Dix does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens. Do you have a question? We can help. We guarantee your privacy. By checking the box, you agree that James M. Dix may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.

You'll see an interest rate and an Annual Percentage Rate (A.P.R.) for each mortgage loan you see advertised. The easy answer to "why" is that federal law requires the lender to tell you both. The A.P.R. is a tool for comparing different loans, which will include different interest rates but also different points and other terms.

A rate "lock" or "commitment" is a promise from the lender to freeze a certain interest rate and a particular number of points for you for a certain period of time while your application is processed. This means your interest rate cannot rise as you are working through the application process. While there are several lengths of rate lock periods (from 15 to 60 days), the longer spans are typically more expensive.