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    Amerifirst Home Mortgage

    Amerifirst Home Mortgage

    (1 review)

    My wife and I are in the process of buying our first house. We realized the house we were…read moreinterested in needed some work, so we started looking at 203k loans. We were preapproved through Rocket Mortgage and had a locked in interest rate of 3.5% prior to looking for 203K loans. Ultimately, we started working with AmeriFirst Financial Corp dba AmeriFirst Home Mortgage on 7//19. We were preapproved that day for $320,000 and began looking for contractors to perform the renovations. On 7/11/19 we met with the loan agent in person to complete the loan application. During our meeting, a estimated cash to close worksheet was provided stating that we would owe $21,558.92 at close. We reluctantly signed due to the house we wanted to purchase being a relocation and the seller was getting nervous we could not secure funding for the 203k loan. On 7/14/19, while I reviewed the AmeriFirst form, I noticed a line item for Loan Discount Points in the value of $8,709.94. Upon researching the topic, I learned they are not a necessary item, and informed out loan agent that we did not wish to utilize them. Of note, the interest rate placed on the 203k loan sheet was 6.125%. We were assured that upon completion of the renovations to our home, we could transition to a traditional loan and use the equity built into the house as our downpayment. When confronted about the loan points, we were told they were necessary due to our credit scores and they could not be removed. Yet in 3 months when the renovations were completed, we were supposed to transition to traditional loan and the loan points we purchased would be void. It is clear that this company is pressuring first time home buyers to spend more money than necessary and do not care about helping rebuild credit, as the company touts.

    PNC Bank - mortgagebrokers - Updated May 2026

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