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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.


Turner and his team at AmeriFirst were great to work with throughout the entire buying process. From our first conversation before I even knew what type of financing I could qualify for to the property closing, Turner was responsive, professional, and very knowledgeable. When I ... READ MORE Brett Erb Acquisitions Officer
Turner and the team were great to work with. All communication was clear and timely, and they make an effort to develop a personal relationship as well. Would definitely recommend to anyone. Eli Pollet Customer
Turner was recommended to us when we first started looking for a home in April 2018. I did call a few other people, but no one got back to me timely. As soon as I contacted him, he got back to us immediately (within minutes) and started the process and established a rapport. Turner ... READ MORE Robert Wetzel Robert Wetzel Employee Benefits Account Manager
Great and professional job. Highly recommended. Thank you and your team. Pawel Owner
The mortgage process couldn't have gone smoother between Turner & his team for my wife and I's first home purchase! He laid out tons of options, crunched a bunch of numbers with us together, and explained many different products and options. Once we decided on something, it ... READ MORE Paul Moniuszko Technical Program Manager
Turner was recommended to us by a friend at the beginning of our home search. I couldn't be happier with the level of service we received and was thoroughly impressed with his expertise during all phases of the mortgage and home buying process. Turner was accessible throughout ... READ MORE Cuyler Stone Cuyler Stone Client Services Director
Turner and his team did such an incredible job with our home loan. I would recommend him to anyone! Wow. I was blown away as well as the seller’s broker. Such a smooth process and he is very personable. Kevin Carlstead Kevin Carlstead General Manager
Turner is my go-to lender. He has not only done multiple of my personal deals, but he has done many transactions for my clients. He is responsive, communicative, and gets the job done. He is always available when you need help and also happy to do it. He's not only a great lender, ... READ MORE Sarah Clark Realtor
I work in the real estate industry and have worked with dozens of lenders in the Denver metro area so I know a good mortgage lender when I find one. Turner and his team have consistently delivered exceptional service time after time. I refer clients to him without hesitation while also ... READ MORE Jesse Dixon Associate Broker
I've worked with Turner and his team to purchase two homes. They are great to work with. They treat clients with tremendous respect. Importantly, Turner and his team are very considerate of the financial (and relationship!) issues that arise in buying a home. Andy Frohardt Andy Frohardt Senior Assistant Attorney General, Colorado Office of Attorney General
Turner and his team have always done a great job for me, for multiple mortgages now. He always works hard to get you a loan based on your needs and special circumstances. Brandon Haas Mechanical Engineer
Turner was extremely professional, helpful and informative in assisting me with my lending needs. He always made himself available to answer any question or concern I had. On multiple occasions, he even made himself available at evenings and weekends to accommodate my work schedule for ... READ MORE Treacy Stuck Sr. Account Manager
Turner and his team are the absolute best in the business. In what a massive corporate bank could not complete in two months, they completed in five DAYS! I will never go with another lender. They have a customer for life. Bryanna Meloni Bryanna Meloni New Homeowner
Turner was exceptionally helpful through the process of securing financing for my home. I travel for work and we had a quick 30 days close so his team's quick responses as well as the ability to sign documents remotely (in this day and age would be expected but that is not always ... READ MORE Merrill Prazenka Sales Manager
Turner was exceptionally helpful through the process of securing financing for my home. I travel for work and we had a quick 30 days close so his team's quick responses as well as the ability to sign documents remotely (in this day and age would be expected but that is not always ... READ MORE Merrill Prazenka Sales Manager
Turner was incredibly friendly and helpful for the duration of the loan process. He bent over backwards to ensure that all things went smoothly. Alexander M Bard Business Relations Manager
Turner has been very communicative and a huge help to me in securing my Colorado home. I will be using his services again in the future! Anonymous
Turner was so great to work with! He always explained everything thoroughly and put me at ease when I wasn’t understanding something. He is friendly and professional and I would highly recommend him! Nicole Watson Nicole Watson Nuclear Medicine Tech
We initially used Turner for buying our first home and were so impressed that we became repeat customers. Turner and team were able to provide us a variety of options for re-financing our home and walked us through the entire process. Additionally, the team quickly responded to our ... READ MORE Jamie Ziemann Senior Finance Specialist
Turner and his team were excellent to work with. They made things easy and clear and answered any questions that came up promptly. I would absolutely work with Turner again when I’m ready for the next house. Brad Daniels Business Manager
I can say enough to say how much I appreciated all of Turner's efforts and that of the team to make my loan work. They were all very attentive, creative, and just flat out got the job done when others couldn't. I've worked with others in the past who I thought we're ... READ MORE Rashad Khan
Great to work with! Turner is exceptionally well versed on everything home loans and he goes out of his way to make sure that you have a thorough understanding of the process. I was especially impressed with his constant availability, anytime I had a question day, night or weekend ... READ MORE JACK G SCHMIDT Senior Engineer
Turner was excellent to work with on my home purchase. He is creative, persistent and quick! He was able to get up and down on a loan in a very short period of time enabling me to submit a winning bid for my new home. He works with you on what you are looking for and helps to get ... READ MORE Ben Hall Vice President of Acquisitions
As a first time home buyer, I had no idea how to begin this process or navigate through it. I felt very comfortable with Turner - he walked me through a seamless and easy process making purchasing a home far easier than I could have ever imagined. I would recommend him to anyone. Jennifer Biggs Jennifer Biggs Associate Chief Nursing Office and Craig Hospital
I cannot say enough good things about Turner through this process! As a first time home buyer, the timeline and numbers were overwhelming, but Turner explained every thing in such great detail that I never felt lost. One thing that really stood out to me about Turner was his rapid ... READ MORE Ashlee Nevares Wellness Coordinator
Turner was fantastic to work with! He made sure we were involved in the entire loan process and provided clear information on the status throughout all steps. Whenever we had a question Turner or his team would be available or reach out promptly to resolve any issues. I wouldn't ... READ MORE Robert Ragno Client
Fantastic to work with ... extremely thorough and reliable ! Michael Fadell Doctor
Turner was in a highly competitive situation for my loan. He not only got me a great deal (beat Quick Loans), but he and his organization were able to meet a short deadline and maneuver through using a 1031 (exchange). I had no headaches in the process and the closing went ... READ MORE Anonymous Investor
Turner came very highly recommended to us and he (and his team) did a fantastic job! We were first time home buyers and although we had done our research, there is really no preparing for the work that goes into getting a loan. Turner was available to meet with us and talk over to ... READ MORE Melissa Brasfield Community Relations Coordinator
Turner and his team were a great support through my home-buying experience. He is extremely knowledgeable and supportive through the process. There was consistent communication and I felt comfortable relying on the team. Highly recommended! -Michelle Michelle Ried Director of Analytics and Business Management
Turner did an outstanding job in supporting my wife and I in the purchase of a new construction home. He helped us with the challenges in working through the inevitable building delays, and ensured we made decisions at the right time to lock in rates with the flexibility for ... READ MORE Jack Nicholson
Turner and his team made the entire loan process easy and understandable. At every juncture, he made himself available to answer questions and provide reassurance. With his knack for simplifying complicated financial concepts and a sense of humor, working with Turner was an absolute pleasure! Emily Kritzler
Turner and his team were great to work with. He made everything super easy and guaranteed he would close on time. That can be a little tricky when the seller keeps moving up the closing. Tuner got us closed 27 days after going under contract, I expected this but the sellers agent was ... READ MORE Whit Hard
Turner was helpful throughout the process of buying our first home. He met with us to talk through our finances, worked with the selling agent to assure her that our finances wouldn't be an issue, and helped with getting all documentation to the underwriter. We enjoyed working with him. David Sibley
Turner was fantastic throughout the entire process of buying my home. He sat down with me before we got started to look at loan options and answer all my questions, kept me in the loop along the way, and even offered to scrape paint to get the VA to sign off on the house (thankfully ... READ MORE Harley Nelson
I have heard Turner's name in conjunction with many fellow Realtors, and chose to use him for my personal purchase. He did not disappoint!! Turner and his team were fantastic to work with- I was informed every step of the way and very clearly understood what was required of me to ... READ MORE Amy Preyer Realtor
I am so glad our realtor referred us to Turner at AmeriFirst. He was able to meet with us in person right away and was very personable. He was easy to get in touch with when we needed him, and was very patient with me as I had a lot of questions as a first time homebuyer. He made the ... READ MORE Georgia Handleman First time homebuyer
Turner got it done! Seriously though, I had concerns about the tight timeline, but Turner gave me every confidence that the loan wouldnt be what held things up. Highly recommend. Alex Alex S
We recently received a refinance of our Mortgage and a HELOC for our home. We were extremely pleased with Turner Williams and his staff. They all did a great job, far better and easier than we expected and with better results than we expected. I would highly recommend Turner to ... READ MORE Jane Watkins Business Manager
This spring, my friend Caitlin and I decided to buy a house together with big visions of community and sustainability in mind... Both of us first time home buyers, we weren't sure what our options would be or where to get started looking for financial assistance in making our ... READ MORE Kayla Hoggatt Marketing Manager
Turner took care of me in a timely and considerate manner. I will go through him for the next refinance or new home loan Andrew koldeway HBO tech
Turner and his team did absolutely everything they could to find my wife and I a loan that meets our specific needs. In no way was Turner pushy nor did I ever feel led astray. This was my first home and I feel that Turner treated me they way he would treat his own family. I will return ... READ MORE Michael Anderson Paramedic
Turner was recommended to me by my real estate agent. I was purchasing from out of state and had no local contacts. Turner and his team quickly and effeciently got me through the pre-approval process. He presented several options for the loan and explained everything to my ... READ MORE James Franck
I've worked with Turner Williams for over four years on countless transactions. He and his team are always responsive, knowledgeable, competitive and detail oriented. Turner's financial background allows him to navigate the best loan product for his client, and he takes the ... READ MORE Scott Beville Scott Beville Realtor
Turner and I have worked together for several years on multiple deals. He is my go-to guy and always is available to answer any questions my client or myself may have. He has done my personal loans and is extremely easy to work with. Upbeat, knowledgeable, and on the ball. I always recommend him. Sarah Clark Realtor
I highly recommend Turner Williams! Turner's work ethic was remarkable throughout the entire process, and he insured that work got done in a very timely manner in order to get me the lowest rate possible. I will use Turner again for all future purchases. Nick Haggard Nick Haggard Senior Regional Marketing Consultant
We really enjoyed working with Turner. He is extremely knowledgeable and responsive. He walked us through the entire process of our refinancing, so we understood all of the steps. We would recommend him to anyone and will certainly utilize Turner in the future. Nick Ragaller
Turner Williams is knowledgeable and detail oriented; the two characteristics I find most important in a mortgage broker. With the expertise to navigate interest rates and loan structures, personable staff to keep timelines on target and paperwork in-line and great referrals for any ... READ MORE Tom Harper Vice President - Energy Group
I have worked with Turner for over 3 years on 50+ transactions and I can honesty say that he is one of the most knowledgeable Mortgage Lenders in Denver. He has been an important thought leader in my life and taught me so much about the Real Estate space. I would HIGHLY recommend ... READ MORE Vincenzo Malara Vincenzo Malara Business Development
Turner Williams and his team have provided excellent service to both myself and my clients when purchasing a home. He is excellent about keeping track of dates and deadlines and I have yet to extend a closing date due to any lending issues. I highly recommend him to anyone looking to ... READ MORE Heather Charbonneau Real Estate Agent
We have an incredible experience every time we work with Turner. He is extremely dedicated to delivering the best service and options for your specific needs. Turner is reliable, trustworthy and a leader in the industry. He has my business for life. Andrew Norwood Vice President of Business Development for AdAction Interactive
Turner provided excellent service to me and my wife during our home purchase process. He was patient and willing to explore/explain all of our mortgage options in order to set us up with the best scenario. I would highly recommend his services and look forward to working with Turner in the future. Mick Kittle Project Manager / Land Planner
I highly recommend Turner to anyone looking into financing a real estate transaction. He has the knowledge and experience to get you to the closing table, the patience to help and find the best option for you, and does his best to work outside of business hours to ensure his ... READ MORE Corey O'Flanagan Real Estate Broker

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