When you decide to buy a home or refinance a mortgage, it's a big step. It should never come down to guesswork. You can trust us to find the loan program, as well as the right lender, that's best for you.

America First Mortgage is ready to serve you with literally thousands of loan programs from hundreds of lenders and banks, and an uncompromising commitment to client service. You are assured of the most sophisticated and innovative lending products available today, and in the future.  We genuinely care about you, your needs, goals and dreams.  We're your trusted friends in the mortgage industry, the kind of friends our clients refer to their families, friends and associates, over and over again.

Why a broker? Why not just go to a bank?

Two answers to that question:  1) One size does not fit all, and 2) a good brokerage will usually save you money over a bank.  Every person is different, and every loan is different.  And there are so many loan programs to choose from, that no single lender can have them all.  Most banks have their preferred niche, and often at a higher cost.  Our strength is our strong relationship with many lenders; and, even more importantly, our ability to manage and guide your mortgage loan through the entire process, from submission to final approval and funding, is truly what separates us from the pack.  As your mortgage broker, it's our job to tailor the mortgage to fit your needs, not the other way around.   The right mortgage professional makes all the difference in the world.

A smooth ride - Our VIP promise to you

Keeping you well informed every step of the way, with a clear understanding of your needs, is a big part of our promise to make the loan process a "smooth ride" from start to finish.  It's our job to spot the bumps in the road ahead and prepare for them.  And regardless of how large or small your loan may be, YOU are our most important client.  And every single member of our America First team feels that way.  It's why 90% of our business comes from repeat and referral clients.  It's about how our clients feel about the process, and how they are treated.  We never lose sight of the fact that you have choices when it comes to a loan professional.  When you choose us, you have chosen a team that stays with the mission until it is completed and the goal attained.  

Buying a new home does not have to be a source of anxiety, and frustration -- It should be a huge sense of accomplishment.  You didn't pick the house, condominium, investment property, or loan that was best for someone else, you picked the one that's right for you!  Trust us to find the mortgage loan that best fits your needs, too.  "Less paperwork and more personal attention" means you enter a frustration-free zone from application to close.   As your personal mortgage finance consultants, you can trust us to find the right mortgage that addresses both your immediate goals, as well as your long-term goals.  We can help you get there.

Refinancing your current mortgage has never been easier.  If you thought refinancing meant getting buried under mountains of paperwork, think again!  We make it easy and worry-free to reduce your interest rate and monthly payment.  Even as rates rise, we can help you pay down your balance more quickly for comparable monthly payment.  We'll guide you to the very best refinance loan!

Tapping into your home equity is easier than ever before. You've either amassed equity through appreciation, or you may have been paying down your balance.  Either way, you may have a considerable financial tool at your disposal in your home equity.  consider using your equity to pay off consumer debt, and even accelerate payments on your first mortgage!  We'll help with the best program to fit your goals.  Do you have high interest debt for cars, a boat, RV, or other consumer debt, whose interest cannot be deducted?  College expenses?  Home remodel plans?  Cash flow?  Investment Real Estate?  A home equity line may well be one of the smartest financial moves you can make.

Reverse Mortgages are coming of age as our population comes of age.  Homeowners 62 years young or older may tap into unused home equity to enjoy the "Golden Years" with additional tax-free income, make needed home improvements, travel, or just have the peace of mind to enjoy life more... the possibilities are endless.  We are Reverse Mortgage specialists who will take the worry and guesswork out of this very important decision.  We feel that Reverse Mortgages will be a very important financial tool for many seniors, and we are here to make sure that the process goes smoothly.  Call us.

Investment, and commercial financing available through our office!  We're not just about mortgages for primary residences!  Up to 90% Commercial Loans are available - Lo-rise and hi-rise condos, vacation properties, super jumbo luxury residential properties, investment and commercial property financing, (including stated income commercial loans!).  If you need solutions to challenging scenarios, residential, investment or commercial, call us!    

We give you the personal attention you deserve and treat you with the respect due a valued client.  We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity, financing a business, or investment property.   So we make a complete commitment to you, and to your success.  We will help you qualify, and be approved for the right mortgage loan for you.  To us you are always more than a customer.  You are our most important client.

Where we are located.   Our office is located in the Brentwood and Discovery Bay area,  about an hour East of San Francisco, nestled amidst the rich farmland and suburbs of the East Contra Costa County and the edge of the San Joaquin Valley, in north-central California. 

Our service area.   We service the entire state of California, and beyond, with clients from San Diego to Lake Tahoe, and from Chula Vista, California, and points beyond.   Call Mike Ketchel, Branch Manager at 925-321-2957, direct line.  Or you may call the office at 925-240-5278.  If your need is in an area outside the regions we serve, we may be able to refer you to someone in your area through one of the 1,000 loan profesionals within our parent company, or a professional affiliate in another region.

Please navigate our website to learn more about us, what we can do for you, and how easy it is to get started, with America First.  If you have any questions, call us today.  "We'll Stand by You."

CA DRE Broker License: 00654852