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ABOUT ROBERT COTTON

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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Estimate

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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

Robert did a great job in getting me a very competitive interest rate and managing the closing! James R. Bryant III Attorney
Robert is, above all, professional, courteous and attentive. We have chosen to have Robert refinance our home on two separate occasions and when we have the opportunity to talk to others about a refinance we always recommend Robert. He is character and customer driven, working for his ... READ MORE Ben Maynard
Robert works very hard for you. He Is patient , understanding and honest and reliable. And one of the good ones , I always feel I can go to him with questions that I know nothing about.. He is ready to help! Nancy J Silverstein
Robert Cotton was recommended to us by our realtor. Robert is a very nice person. He simplified everything that was going on and made it easier for me. Brian Casarrubias Corporal of Marines
I would highly recommend Robert to handle first time mortgages to refinances and he has been our broker and advisor for 5 years. Robert is knowledgeable, professional, and makes you feel like you are family. We trust Robert and are proud to be his clients. Denesha Seyfried
Robert was informative and responded quickly. He helped us secure our loan. Theodore Scheid
Robert was very helpful through your the process Deepak Vetal
Robert did an amazing job taking care of my refinance. He handled every single detail until we closed the loan. Robert provided me with every single piece of information I needed in order to make sure we were making the right decision. I would absolutely work with again. Maria Stricker
Robert is without a doubt the best mortgage broker I have ever dealt with. He is knowledgeable, friendly and responsive. He has now helped me with two purchases and two refi’s and I will never will never use anyone else, (and I even work at a bank). He always shoots straight, ... READ MORE Virginia Brake
 

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