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Buying a home is one of the most rewarding, yet sometimes challenging, experiences of a lifetime. My team and I deliver a hands-on and customized approach to ease the process. I’ve been in the business since 2006 and appreciate assisting first-time home buyers and seasoned borrowers alike. My primary goals include finding the best loan program for each buyer and getting to the closing table efficiently but I’m also always up for a coffee, a round of golf or to chat about Minnesota Vikings football.

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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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.


Mike, Lisa and the entire team at AmeriFirst did an outstanding job on moving my loan through the process. They were professional, yet personable throughout the entire transaction. I didn't have a home to sell and my wife and I found our perfect home and didn't want to let it ... READ MORE Paul Humrich Paul Humrich
Mike was fantastic to work with, Very responsive, informative, and helpful with any questions I had or information I needed. He was friendly and super easy to work with overall. I would absolutely recommend using his services for anyone in need. Nicholas Willets Performance Manager, Strategic Accounts
Mike Kenevan was very helpful and walked us through the whole process. He made sure we had everything we needed to complete the loan. I am so thankful for all he did for us to get us into our home! I would absolutely recommend him! Vicente Lopez Agent baggage
Mike Kenevan was very helpful and walked us through the whole process. He made sure we had everything we needed to complete the loan. I am so thankful for all he did for us to get us into our home! I would absolutely recommend him! Vicente Lopez Agent baggage
Mike and his team were incredibly helpful and easy to work with throughout the entire process! As someone who works in the service industry, it was a pleasure to work with a team that is responsive and thoughtful in each and every step of the home buying process - ESPECIALLY for a ... READ MORE Benjamin Jensen Benjamin Jensen Commercial Real Estate Broker
I highly recommend Mike and his team. As we dug into the process of buying a new home and turning our old home into an investment property, I spoke with a few different lenders who each had different opinions on how to work both loans at the same time. Most people said it couldn't ... READ MORE Josh Pierce New Home Owner
What a great team Mike and Lisa always there for me any questions or concerns I had they were there to answer them. Really appreciate all their time helping me getting into my house. Would recommend their services to anyone looking for a loan to buy a home. Johnnie Madrid Carpenter
Mike and his team were AMAZING for us during our first-time home buying process. We didn't have a buyer's agent and they were extremely helpful. During closing, Mike even stopped by to make an appearance and meet us in person, with his kids in tow. It really meant a lot to ... READ MORE Desiree Myhre Desiree Myhre National Account Manager
Mike and his team were fantastic to work with. This was our first home buy and we knew very little about the process. Mike educated us on all the ins and outs of the various options and processes of home buying. They were also very patient as we spent months looking for the right ... READ MORE Samuel Porter
Mike and his team were incredibly professional and worked hard to get us the loan we needed for our first home! There is not a single negative thing I could say about how he treated us or managed our situation. He was available to take our calls, questions, concerns, and super ... READ MORE Christopher Turpaud Director of Economic Empowerment in Guatemala
I was a first time home buyer and Mike handled every single question asked with ease. He has a positive attitude towards everything and is very realistic and there when you need him. I traveled internationally for 2 weeks after putting in an offer on a house and Mike and his team ... READ MORE Colin P. Colin P. Marketing Analyst at Evolve Vacation Rental Network
Mike and his team were fast, friendly, and efficient. We were is constant communication through the loan process for our house. We couldn’t be happier with their service and highly recommend them! Shawn Wyman Shop Foreman
Mike and his entire team are top notch in my book. I probably talked to 4-5 different people on his team during the process. Each person was professional, knowledgeable and very pleasant to deal with. He made an important closing date happen on the day he said it would. The ... READ MORE Brent Bertrand SVP of Operations
Mike and his team made our house purchase in Castle Rock Colorado the easiest and simplest process we have gone through in three house purchases. I highly recommend Mike and his team Bobby Dahlquist
Mike was wonderful to work with for my home loan. He always was timely in his responses and followed through with everything he said he would. Any question I had or if I didn't quite understand something, Mike would pick up the phone and call to make sure we were on the same page. ... READ MORE Kyle Altier Director of Sales, Mountain
Mike takes the stress out of financing a home by handling all transactions promptly and effectively; explaining the nuances of home finance with confidence and patience. His team are all on point, friendly, and supportive. All around great experience. Wesley Zolecki Sales
With 20+ years in the real estate business and running a productive team, we've seen our share of lenders over the years and can confidently say that Mike is at the top and among the very best of the bunch. Having worked with him on personal transactions as well as seeing him ... READ MORE Michael Zak Michael Zak Broker Owner
Mike was instrumental in helping us refinance our home and purchase property. He communicated throughout the process, keeping us fully informed. We never had to call and ask, "what happens next". The entire process was smooth and painless, just as expected. I would recommend ... READ MORE Rick Frasier Sales Manager, Latitude Beverage
Mike and his team are fantastic. The level of service was exactly what we needed for our recent home purchase in Denver. We found him to be transparent, honest, and he quickly responded to email, text, phone calls. Can't recommend Mike and his team more. A+ David Marshall Home Buyer
My wife and I went through Mike's team at AmeriFirst for our 2nd home purchase - first home in Colorado. It was nearly 10 years after buying our first home and obviously many things have changed in the market in 10 years! Mike and team walked us through the process and made it as ... READ MORE Russell White Project Manager (Software Development)
Mike and his team at AmeriFirst made my first experience buying a home a seamless process. I received a great interest rate and top-notch service. Mike was recommended to me by both my realtor and insurance agent, and I am glad that I chose to do business with him and his team. Larissa Fillingham
Our experience with Mike was fantastic and I highly recommend him. He is very knowledgeable, easily accessible and he ensured that every aspect of the financing process was smooth and easy. We'd definitely do business again and wish him the greatest success. Lou Jacob VP of Customer Success
I love working with Mike. This is deal 4 together and always a seamless and painless process. They hit every deadline early. Sarah Bowles Best Denver Realtor that Mike seems to know!
Everything was quick and convenient. Carlton P Jarvi
Mike and his team provided an effortless and great experience with the purchase of our home. Brian Fishman
Mike and his team at AmeriFirst were helpful, informative, and responsive throughout my whole loan application process. I looked at a few different lenders before choosing to go with AmeriFirst Financial. Ultimately, I felt a local lender with a straightforward approach to lending ... READ MORE Dan Anuka First time home buyer
Mike and his team answered all of our questions promptly and completely. Our transaction went so smoothly, we couldn't believe how easy it was! Thank you Mike! Luke Phares Manager
mike and his team are great to work with ,i was in in a time crunch with my realities to close in time .they expedited my loan made it happen in two weeks ,great team ,i would recommend mike and his team to any body ,i will bee going back for all my loan needs. robert anastasov
Mike and his team have helped me obtain financing for 2 properties I bought. They are always friendly and respond to every little question you may have. They made the process of obtaining a loan pain free! Thank you guys! Jorge Amaya Accountant
We were recommended to Mike from our realtors, Russ and Lauren Pfeifer and we couldn't have asked for a better team of people to help us buy our first home. Mike was helpful, patient, knowledgeable, encouraging and willing to answer every question we had along the way at any time ... READ MORE Kaitlyn LaFramboise and Eric Pfeifer Executive Assistant
Mike was a pleasure to work with as he was very helpful with letting me know what my options were and what worked best for me. Scott Brosowske Sous Chef
We really enjoyed working with Mike. We were first time home buyers and he helped educate us on how the process works, along with giving us the great advice. He's extremely straight forward and very responsive. Even if it means setting up phone call off hours. Kevin McCarthy Director of sales
Mike has done a very impressive job for closing my loan. Himself has involved proactively in all the issues I have during the whole process and everything were resolved smoothly. The team is also very efficient and experienced, no re-work, no last minute surprise. Everything is done ... READ MORE Yu Liu IT Senior Project Manager
Mike and his team did a great job with my loan. The process was straightforward and devoid of the drama I have experienced in the past with other companies. We closed within a month of putting an offer on a house and he made it happen! His team was nice, professional, and responsive. Sarah
Mike has done multiple mortgages for me and every transaction has been extremely smooth. I know I can go under contract with confidence knowing that he is going to help me get the lending I need to present as a strong buyer. His team works seamlessly together to make sure everything ... READ MORE Bryan Z
I've know Mike for over ten years now and have worked with him on two loans and a refinance. He's very professional, communicates clearly and consistently and made me very comfortable with the entire process. I've recommended Mike to real estate agents and friends and will ... READ MORE Annie Gleason Marketing Manager
Mike was professional and able to hit a very tight window for closing which others were not able to guanrantee. Craig Miller Project Manager
Mike did a great job on our home loan. He was patient and made the jungle of mortgage-related numbers, terms and paperwork easier to understand. He also made himself very available. Even after hours and on weekends he made time to answer our questions.......thanks again, Mike! - Daryl Moorehouse' style='font-weight: bold' target='_blank'>READ MORE Daryl Moorehouse
I was looking for a knowledgeable and honest financial advisor to help me finance an investment property. Mike was highly recommended by a friend so I got in touch with him and I'm very happy I did. Mike and his team worked hard to help me understand the process and they ... READ MORE Rod Granados Credit Officer
Mike and his team were great to work with and extremely helpful. Greg Pasco
When me and my boyfriend first started looking for a house to buy just over 3 months ago, our amazing realtor Kassidy Bensen asked us if we had a lender for a loan set up yet. At that time we hadn't gotten that far on in the process, so we responded no and that we were working on ... READ MORE Sara Bloom Middle School Counselor, First Time
Mike and his entire team were great! They made it as easy as it could be for me to get into my new home. Mike was there to answer questions or respond to emails, even during non business hours. I'm definitely recommending Mike to anyone I know in the future. Will Epstein
Mike and his team were consummate professionals throughout the mortgage process. They held my hand, provided guidance on do's and don'ts, and kept in touch with my real estate agent so I didn't have to be the go between. They did a great job of asking for all of the right ... READ MORE Katie Dowdy Insurance Broker
he is the best greg hixon
My husband and I had been talking about buying a new home for years. Feeling a little lost we contacted Mike Kenevan to discuss our options and to determine just "how much" house we could afford. Mike's process was clear and concise. After completing his online form and ... READ MORE Amy Beth Woodruff
Before I met Mike things were not looking very good for me. The frustrations I was having working with my previous lender were causing me to rethink whether or not I should be purchasing a house at all. That was until I found out about Mike. He made the process simple, pain free, ... READ MORE Thomas Grobaski Product Manager
Great to work with - very real, direct and transparent with his communication. Made the process easy and provided support (24/7) every step of the way. Would definitely recommend to anyone in my network. Michael Wilson Placement Manager
Mike did a fantastic job of ensuring our home loan was done thoroughly and accurately. He got us the lowest possible rate locked in before the rates increased and jumped though hoops at the last minute guaranteeing our closing went off without any issues. This is the second time I ... READ MORE Justin Paige Harrington Director of Quality
The one big thing I appreciated about Mike was his availability and quick response. He was also very patient and able to help us step by step, and offer more assistance when needed (so many ins and outs of a process!). Mike was wonderful to work with. Highly recommend him! Jess Shenk
Mike has brokered three total loans for our house purchases over the last few years, and have had the most relaxed time on each. He's got a laid back demeanor, but still knows his stuff and takes good care of you. Ryan Nowosielski Senior Architect
Mike was amazing. He stuck through the entire process with me and my hectic work schedule. I had a few bumps along the way but he was able to adjust on the fly and got me into my house. I would and have been recommending him to everyone. Mack Frederick Program Manager
Mike and his team were professional, friendly and efficient. Every step of the way, Mike was available to answer questions and handled everything quickly. My loan process was seamless, and I was made aware of all progress step-by-step. I highly recommend Mike and his team at Amerifirst! Cathie Marie Cathie Marie Partner
Mike and his team were wonderful with whom to work. They were knowledgeable, efficient and proactive in making sure we stayed on course throughout the process. I trust Mike and would recommend him as a great resource for anyone looking for a new mortgage. Jim Scott Homeowner
Mike had the challenge of helping us navigate a two fast closes (sale and purchase) in a 5 and 6 week window with the Christmas holiday thrown in for good measure. My buyers had a deadline around holiday travel and my sellers were on vacation in Hawaii. Somehow Mike and his team ... READ MORE Craig Director of Engineering
Thanks Mike and team you really did a great job with my Re-Fi. There were a couple of hurdles and you walked me thru every step of the way. Thanks! I would recommend you to anyone who is looking for a mortgage. Tom Goodenough Electrical superintendant
We started working with Mike whenever the sellers forced a hand. While we felt pinched at the start, Mike and his services blew us away, I now know why they felt comfortable that Mike would expedite the selling of their house. We purchased our first home via Mike and his team in ... READ MORE Rachel Hubel Technology Consultant
Mike did a great job both times for us.Professional personable easy to work with.I would not hesitate to go back to Mike and his team.Thank you Mike&team. Randy Moffitt
We came into the process terrified of buying our first house after years of horror stories from everyone. Mike and his team guided us step by step through the process and it couldn't have gone smoother. I highly recommend Mike and will tell anyone to give him a call. Willie Petersen
Whenever my wife and I had a question. Mike was quick to answer with concise responses that set us at ease. He gave us plenty of loan options and explained the benefits of each. He helped us understand exactly how they could meet our needs and found us the best fit. Thanks Mike! Chris Carroll Assistant Golf Professional
Mike was very helpful, timely, explained all of our options in great detail, and advised us on the best option. Highly recommended! Adam Tondryk Managing Director
Mike does a great job helping individuals with the mortgage process from beginning to end. He seems to take each client on board as if they were a family member or friend. Jason Troth Teacher K-5
Mike and his team were an extraordinary support through the entire buying process, we could not be happier! Mike got us an excellent rate, in a very timely manner, and was always available to help us navigate the ins and outs of the loan approval process. He even brought coffee the ... READ MORE Shanti Flaherty Buyer
Mike was so great to work with. Honest, always available for questions and quick to respond. Made the cumbersome process as easy as possible. If I ever need anything in regards to my mortgage Mike will be the first one I call. Haley Bliss Business Development Manager
Mike Kenevan and his team helped us refinance our mortgage. The entire process was very quick and easy. I have recommended Mike to co-workers for their mortgage needs. Arlan Kluth
Mike Kenevan was very helpful to my husband and I during our first home-buying experience. Mike was able to take a couple hours and explain everything to me, as I did not know how anything worked. He was very easy to get ahold which helped since I work night shift and often wake up in ... READ MORE Ashley Crandall Buyer
Mike made the whole process extremely easy and did a great job. He told us exactly how to do everything and explained it really well. My whole family has had the chance to work with Mike and have loved the experience. David L McCormick Comcast tier 3 Xh technician
Mike made the whole process extremely easy and did a great job. He told us exactly how to do everything and explained it really well. My whole family has had the chance to work with Mike and have loved the experience. David L McCormick Comcast tier 3 Xh technician
Mike Kenevan and his team helped us refinance two mortgages into one while taking out cash for a landscaping project and to pay off a couple credit cards. They maintained great communication throughout the process, and we always knew exactly what was happening. The whole process was ... READ MORE Ingrid Milinazzo
So I am not one to write recommendations or reviews online. But I really felt the need to do so with AmeriFirst financial. I was referred for my sister-in-law to Mike Kenevan, from the first time I step in his office it was a very laid-back and professional atmosphere. He was very ... READ MORE Franco Celeste
Mike did a great job of handling our refi. He listened to what we were trying to accomplish, and executed the process flawlessly. He and his staff did a great job of keeping us informed during the process and they all were a joy to work with Bill Beck Dealer Sales Manager
Mike and his team at AmeriFirst have now done 3 home loans for us and I cannot even begin to describe how good they are. Mike provides a high level of financial and industry expertise in an extremely professional and customer driven manner. Communication is always timely, rates and ... READ MORE Jeffrey Mitchell Finance Analyst
We are so glad that we chose to go with Mike and his team for our recent home purchase. The pre-qualification was so easy, and Mike answered our questions all along the way. There was an address we thought we were interested in, we sent him the MLS number on a Saturday, and he ran ... READ MORE Amber Corson Engineering Lead
We found the house of our dreams back in June. We started working with a different lender at first who led us down bad paths. We parted ways with that lender and were introduced to Mike right away. Mike called me on a Saturday morning and listened to me explain everything that had ... READ MORE Kevin Bost Law Enforcement and Military
Mike makes the loan process simple and does a great job guiding you through the process. We'll continue to use Mike with all our home purchases and refinances. Sam Stevens Engineering Supervisor
Mike has done 3 loans for us, and we cannot recommend him and his team highly enough. They walk you through every step, are extremely responsive, and give great service. Erin Carpenter small business owner
I really appreciate the job that Mike and his team did in getting my home loan. I received a very nice interest rate during a period where rates were fluctuating. His team kept my application on track and made the process pretty easy. I do recommend using Mike and Amerifirst. Anthony Pressgrove Sr Explorer of Fishing spots
Mike and his team were easy to work with and very efficient. My real estate agent was also very impressed with how well they were on top of things and said he would recommend AmeriFirst to his clients. Dan Horn
Mike and his team are amazing! They expertly handled my home mortgage loan from pre-qualification all the way through to closing with efficiency and accuracy. Mike kept me well-informed and thoroughly answered my questions all throughout the process. He ensured that every detail was ... READ MORE Melanie Rich Aerospace Engineee
Buying or refinancing a home is a stressful time; but not with Mike! We have bought a home and refinanced with him several times. He has made each transaction smooth and stress free. He has an incredible team that is just as knowledgeable and helpful as Mike is. I highly recommend Mike Kenevan! Vanessa Mitchell
Mike Kenevan is a very good and qualified mortgage loan officer. His efforts exceeded my expectations. Throughout the entire process Mike was professional, conscientious and extremely responsive. I always felt as though Dominic and I were his only clients. He is extremely kind and ... READ MORE Deanna White National Operations Manager
Mike was wonderful for us. He fought for us and continued to work out the kinks in order for use to finalize our home loan. He was available at any time of the day to answer our questions. He was extremely kind and considerate when working with us. I highly recommend Mike Kenevan as a loan officer. Tucker Huber Director of Operations
Mike and his team did excellent work, helping us get into our new home. From the day we reached out to him to close was only 4 weeks! He and his staff were helpful in every way we could hope for, responding to all of our inquiries quickly and professionally. We couldn't have gotten ... READ MORE Austin Andreasen
Matthew DeLuzio did a fantastic job. We worked with Mike last time we refinanced. This time Matt called us out of the blue, and was a god send. We were able to combine our loans and lower our payments at the same time. The did a great job with communication and involving us in the ... READ MORE KURT W. MELVIN Teacher
Mike and his team came highly recommended by some friends and we were by no means disappointed. My husband and I started looking at buying a house in 2013, he met with us and helped us figure out a reasonable figure that wouldn't leave us house poor. Our search became off and on ... READ MORE Jenn and Thara Siriwardana Teacher and Director of Security at CU Boulder
Mike and his team worked tirelessly on making sure that my loan was approved and the purchase of my home went off without a glitch. The entire staff at Amerifirst Financial were very professional and treated me with the utmost respect and consideration. I will definitely recommend Mike ... READ MORE Ann Harmon Ann Harmon Director, Ticket Operations
Mike Kenevan and his team were great to work with. We had a few obstacles to overcome throughout the transaction and they did a great job of facilitating the process and meeting all deadlines. I would highly recommend Mike to anyone looking for a lender who is very knowledgeable, ... READ MORE Scott Hummel Consultant
Mike and his team made the mortgage side of our home-buying process very easy. He was always available to answer questions and guide us through each step. The team were very responsive and helpful throughout our time working with them. I would highly recommend Mike and AmeriFirst Financial. Christi Christensen
We were new to the city and craziness of the real estate market. The sheer volume of the documentation requests and signatures required could have been overwhelming. Mike and his excellent team simplified the process, insured the necessary complimentary agencies were in place and ... READ MORE Richard Focht Retired
Mike Kenevan at AmeriFirst has been and will be my guy for mortgages and refi. He has now gotten me in to both of my two new houses in the last 6 years. He is very professional and is still easy to understand in a very confusing industry for explaining things to us novices. Extremely ... READ MORE Erik Walstrom Product Manager
Great loan officer. Very helpful and available. Mike made the loan process a lot less overwhelming than it seems. Whitney Swarringim Aviation Analyst
Working with Mike and RyAnn was the easiest mortgage process I have ever been through! Mike and his team made the daunting paperwork seem manageable and easy to understand! I couldn't imagine working with anyone else in the future! Lauren Knudsen Special Events Manager
Mike was wonderful to work with–always super responsive and willing to answer questions! Colette Mazunik
Mike and his team were an absolute pleasure to work with. Everything is done in a timely fashion and questions always got answered. He has been great even after the loan closed. He knows this business and will guide you through the whole process. I would definitely recommend ... READ MORE William A Rogge IV
Mike and his team were fantastic to work with. The process went very quickly and very easily. Everything he and his people did was efficient and transparent, and easy to understand all steps and requirements. The process from beginning to end didn't have any hiccups and always had ... READ MORE Eric D. Public Service
Mike and his team were incredible to work with. This is the third house we have purchased and by far this was the most efficient group my wife and I have worked with. We could not believe how fast and accurate this process was and everyone made us feel very well cared for and taken ... READ MORE Zach Weller Insurance
Mike was great to work with. He was timely and professional. I never had to wait long for a response to my questions. He made the financing part of buying a house fairly easy. I will definitely recommend him to people in the future. Thanks Mike! Justin Tarkington Pharmacy Manager
Communications was strong and consistent. Timely requests for info or follow up questions as needed. Knowledgeable and answered my questions as to info requested. Richard H Baker
Mike made my refinance painless and easy . Everything was done in a timely manner . He was very knowledgable and got me the terms I was looking for . Would definitly recommend . Alan Humphreys Alan Humphreys Business owner
Mike did a fantastic job with both of my loans. I have made two purchases in the past 9 months. He has been very efficient and easily accessible. I would highly recommend Mr. Kenevan to any of your future clients. John Provenzano john provenzano mike kenevan
Mike and his team made the process smooth and simple. Though not our first mortgage process, it was certainly our best. Not only did they meet our already tight closing deadline but they beat it by 5 days. His team works in tandem to deliver a great experience. We're thrilled! Suzanne Weller Area Director, Business Banking

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