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ABOUT MICHAEL PENKA

State License: AZ #1004820

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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Please enter a valid home price
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Estimate

$0/mo
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

Michael and the whole crew at AmeriFirst Financial were fantastic! Michael responded quickly to my questions. If he didn't immediately know the answer to my questions, he took the time to find out. Highly recommended! Great Job, Michael! Paul Saggau Special Education Teacher
Michael Penka did such an amazing job helping my fiancé and I get our first loan for our first home. Michael was helpful and encouraging every step of the way. Whenever any questions came up, Michael was a quick message away and prompt to respond to us. Michael definitely made ... READ MORE Alexandra Valenzuela First Time Home Buyer
Michael Penka did an outstanding job of doing our mortgage on our second home. He was attentive, personable, and knowledgeable about the current rates and the current market values of Tempe properties. I especially admired his quick responses to my questions and needs.as a first time ... READ MORE Anthony Caporaso Special Education Director
 

Let's accomplish more together.

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