ABOUT KAREN JONES
Message from Karen Jones to you:
"Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my clients with home loan services that will exceed your expectations. Please browse through my website and find the answers that you are seeking. You'll find calculator tools that will assist you in the planning of your home purchase. And when you are ready to be guided to success, simply contact me...or you can use the secure online application to get started. I look forward to meeting you and serving you with your homeownership goals."
Karen Jones, an experienced full service Senior Mortgage Loan Officer has been serving Arizona and California families for over 32 years. Whether you are purchasing a home or refinancing a home, learning about your options is imperative. When choosing to work with Karen Jones, you'll be sure to obtain the information that you need to make those important informed decisions.
Serving clients with FHA, VA, USDA, Conventional and Jumbo Home Loans, Senior Mortgage Loan Officer, Karen Jones, has guided homeowners through the home loan process with World-Class reviews.
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.
Estimate your Monthly Payments
- Principal & Interest $949
- Property Tax $250
- Homeowners Insurance $58
- Mortgage Insurance $84
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.
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.
Karen was the lender for the lovely buyers who purchased one of my listings. She was easy to work with; super with all communications. Funded in mock speed and a joy to work with.Realtor with Urban House Realty
Karen was amazing! She explained everything I needed to know about my refinance and was on top of it! The whole process was a breeze with her. She made sure I was aware of everything as it was happening and I really appreciated that. Thank you for everything!
Had a great time working with Karen getting my house financed. All questions answered even though I financed from Va. in a total professional manner. I would totally recommend Karen to all as your Mortgage Loan Officer. Thanks, TNSManager Facilities, Security, Safety for Satellite Network Operations Center
I must say how pleased I was with Karen. She was so helpful from obtaining my mortgage straight through to my closing. Karen kept me up to date every step of the way. She was most knowledgeable and professional; I recommend her highly.Interior Designer for Ethan Allen
Thorough ,always responds promptly, updates you frequently, entire team always in contact, all very easy to work with.RN
It had been a long time since I had purchased a home and a lot had changed. Karen explained the new requirements and walked me through the entire process which made a stressful process very doable. Thank you, Karen for all of your help.
Karen, Ginger, and the rest of the team were amazing to work with. We were always kept up to speed on current status, copies we needed to forward, etc. Let's face it, home buying can be a stressful proposition no matter what, but not dealing with Karen. Her years of experience ... READ MORERetired
Karen and her team is fantastic to work with. This was the best experience buying a home. She has defined a fantastic process for her team for customer engagement. I was always kept in the loop on how things were progressing, what was required of me, any follow ups required. This took ... READ MORE
This was our 2nd time using Karen as our Loan Officer. She never fails to deliver excellent, professional, and timely service. Should I buy another home in the future, I will once again be calling Karen to represent me. If you are a veteran, Karen has a very intricate understanding ... READ MOREHome Buyer, Veteran
Karen and her team kept me informed all through the transaction which gave me confidence that all would be well with the transaction. They also pulled off getting the deal closed with a new closing date at the last minute. Good job all!!Realtor
Karen has worked with several of my clients over the years and done an excellent job. Her expertise in walking through the new home buyer as well as the seasoned homeowner has been wonderful. The Amerifirst Team of professionals make the loan procedure run smoothly as well as their ... READ MORERealtor
Karen Jones and her team are a well-oiled machine! They set up their clients for success, which results in smooth, on-time closings. A true pleasure to work with from start to finish.Escrow Officer
Highest recommendations to Karen Jones and her staff. They were very friendly and professional. Her team kept my buyers informed throughout the entire process and assisted with any questions they had. They made my buyers feel comfortable and explained everything thoroughly. Karen, ... READ MOREReal Estate Broker
We all know that buying a home can be stressful and exhausting. We had been renting for several years after previously owning two homes. My wife and I decided to buy a home and were introduced to Karen and her team at AmeriFirst. While we had a few ups and downs during the search for ... READ MOREHome Buyer
Karen and Ginger were excellent at helping us navigate our first house purchase. Karen was always available for questions and always picked the phone up when we called. I highly recommend them for anyone looking for a lender.First Time home Owner
The HIGHEST of recommendations to Karen Jones and her team! I represented the Seller on this transaction, but am so very pleased to offer sincere thanks and gratitude to Karen and her team for excellent communication and service from start to closing.Realtor, Russ Lyon Sotheby's International Real Estate
Karen and Ginger are great and made our buying process an easy one. I will be recommending them to my family and friends for sure! Karen is very knowledgeable and recommended a program that was not offered to us by another lender we worked with previously.Julie Garner
Karen and Ginger Amazing team!!! Thank you so much fior every thing you did for me. I could not have done it without you. Truly
Karen was amazing during each phase of the house buying process. She made sure she answered any questions we had along the way and quickly. She made buying a house easy and secure. I would definitely work with her again if we decide to buy again.Production Processor Team Lead
Great communication and always sending updates on time.Associate Broker
Great communication and teamwork ;-)Senior Escrow Officer
Outstanding service. I am a first time home buyer and Karen and her team made my process very easy. I felt supported the entire process and I felt like a made a couple of new friends. Thank you Karen !!!Insurance sales agent
I worked with Karen and her team and never had such a confidence that my lender is on top of her stuff. We did the same day closing on the house thst we sold and the one we bought, but Karen and her team pulled it through. Great follow up and great people.Quality inspector lead
Karen did a very good job. She explained everything in details to where I could understand clearly .. She was very nice and helpful. She kept her word to help me get through process from beginning to end. I recommend her.. Her work is Excellent!Caregiver
Karen and her team were awesome. Can't day enough. This was really easy. They handled all the problems. It is certainly a "well done" from us. Thank you again for everything. Highly recommend Karen and her team.Retired
Karen is very knowledgeable and reliable!Insurance Team Member
Karen is wonderful. Delightful to work with, very motivated, and insightful.Insurance Agent
If you want confidence and a seamless process in your corner, Karen is your go-to! Her level of professionalism is unmatched and to top it off, she takes a true buy-in to you and your personal situation. Thank you Karen for being you!Owner
I highly recommend Karen Jones, who is a consummate finance professional and always very thorough and knowledgeable. She qualified my client and had his loan pre-approved before he started making offers on homes. This made the process for getting his offer accepted easier and enabled ... READ MORERealtor
Karen is extremely talented, professional, and trustworthy mortgage loan officer. Throughout the loan process, she was very helpful and always on time. She made sure to answer all our concerns and questions to our full satisfaction even after the closure. I will be recommending her to ... READ MOREDr.
Karen and Ginger were great and patient with our loan application. Great communication. Karen was very knowledgeable and answered any questions I had as a first time home buyer. I highly recommend this team.operation manager
Karen and Ginger were amazing to work with. They both went above and beyond to make my house purchase experience very pleasant! They were on top of all the paperwork and made sure they included everyone involved with my purchase with any updates they had along the way. They were in ... READ MORE
Karen was the most efficient, accurate, and professional person I have met since I've been in Arizona. Throughout the loan process, she followed up, and notified me of the loan status. I was lucky and blessed to have worked with such a professional!!! I would highly recommend ... READ MORESpa Supervisor
Karen Jones and her team are amazing at what they do! They were detailed, communicative, helpful and efficient to say the least. Thank you for the great, straight forward experience!Account Manager
Karen made finical aspect of home purchase absolutely painless. She was very proactive in managing expectations, communication, as well as educating us through out the entire process. Her attention to detail and quality of service made me feel like I was always in the best hands. She ... READ MORESenior Web Developer
We had a very challenging scenario with our loan needs. Karen did not give up. She turned over every stone and was finally able to piece together a program that worked for us. And she kept us abreast of everything during the process. I know plenty of loan officers. I chose Karen ... READ MOREAssociate Broker @ DeLex Realty
I really enjoyed working with Karen Jones! She is thorough, detailed and anticipates needs. She cares about giving you a good experience and goes out of her way to explain everything until you feel comfortable. She is a great communicator and was readily available when I had questions. ... READ MOREHome buyer
We recently came in contact with Karen Jones at Amerafirst Financial.We had rented for many years so were unfamiliar with the home buying process. Karen was a wealth of critical information. She was very customer friendly and kept us informed about each step of the process. Always ... READ MORE
Very diligent and on point. Glad to have had the opportunity to complete a smooth transaction with Karen Jones.
Purchasing my first home was a long journey for me, and there were many little details I did not understand about the loan process. Karen Jones, my loan officer, had an abundance of knowledge and education and patience that she used in order to walk with me through this process. Karen ... READ MORECRP for Food for the Hungry
Thanks again Karen to you and your team for closing this VA Loan with professionalism and on time!Realtor
Karen Jones and her team were great to work with. Not only was the communication constant, they were ahead of schedule the entire loan process. They had the documents ready to go a full week before closing. Karen kept me up to date at least weekly most times more than once a week. She ... READ MORERealtor
My last deal with Karen went so smoothly, I joked that I felt guilty getting paid. On two other occasions, I brought files to Karen that other lenders were unable to close just as we rounded the home stretch. Karen was able to transfer the files, get them into underwriting and close ... READ MORERealtor
Karen and her team did an outstanding job again! Their communication is the best I've worked with, everyone is kept informed throughout the transaction. I will continue to use Karen and her team and recommend you do also!Realtor
Karen has been absolutely amazing to work with. Not only is she friendly and customer focused but she is also extremely knowledgeable and is an expert in her industry. She prepared three great loan programs for me so that I could fully understand my current and future financial ... READ MORESenior Account Manager
I love working with Karen. From an Escrow perspective, she makes things as easy as possible and it is very much appreciated. Thank you Karen!Escrow Officer
Karen and her team have taken care of our home owning and refinancing needs two times. We keep coming back to Karen because she cares about our needs and our family. She is genuinely interested in meeting our needs. We will always use her for our home buying/refinancing needs as long ... READ MOREHome owner
Karen and her team came through for us again! We used them a third time, even tried quicken first, and the numbers were relatively the same, however Karen and her Amerifirst team had much lower closing costs, and executed once again very quickly, making it a smooth process from start ... READ MORESuperintendent JB Henderson Construction
Karen and her team were extremely helpful. Would highly recommend.
From the start, Karen Jones of AmeriFirst, took our financial situation and guided us to the final purchase of our new home. Her team assisted us constantly and maintained close communications, far and beyond our expectations. In the end, I have tremendous admiration for her team and ... READ MORE
The communication and updates by Karen and her team was outstanding! Never once had to request an update or wonder what was going on at any time, I was always kept in the loop.Associate Broker
We would like to recommend Karen and her team at AmeriFirst. They were extremely efficient and kept us informed every step of the way to obtaining our new home. Karen went above and beyond in explaining each line item in the closing documents. Thank you Karen. We really appreciate ... READ MORE
Karen and her team did a great job of communicating from start to finish and the transaction was smooth & easy!!REALTOR
Karen Jones is amazing. She is very knowledgeable and professional of what she is doing. I can say that she is a miracle worker ! Way ? Another lender told me that I'm not qualify for a loan even with 25% down , a few months later I bought my house with 10 % down ...with ... READ MORE
Karen helped the buyer through the loan process on a home where I represented the seller. The communication with Karen was incredible and she delivered everything she promised she would by the time promised. We closed on time and had absolutely no problems. I was very impressed with Karen!Realtor®
Karen Jones and her team took care of me the exact way I would want to be taken care of. Every question was treated as important and every answer came within minutes. This is a grade A team of people that do everything they can to make sure you're aware of what's going on ... READ MORESoftware Developer
Karen and Paige were so helpful to me in getting my funding set with the purchase of my new home! My Realtor recommended them to me and I couldn't be more pleased. Any questions that I had were answered immediately and thoughtfully. I highly recommend Karen Jones!Territory Manager
Karen and her team are awesome and very professional. I felt that she cared for my family home loan needs as if she was personally applying for the loan herself. Karen and her team was prompt with returning and answering all of my questions and able to get us pre-approved in a matter ... READ MORERN
I want to start off by saying how grateful my husband and I are of Karen. Not only did owning our own home become a reality, we also learned so much throughout the process. My husband and I put off attempting to buy a home due to fear of being rejected. I was sure due to a messy ... READ MOREUnderwriting Trainer
Karen did a great job being available when I needed, providing me with accurate information, and help guiding me on the best possible options for buying my own home. Thank you Karen,
My neighbor who is a realtor suggested I call Karen for help. She said I would get great help and believe me Karen was there every step of the way. Karen and her assistant Paige made the process easy and fast. They were available always. They treated me as a friend. https://reach150.com/mortgage-refinance-first-time-buyer/review/61033/karen-jones/163258/sharon-risser-recommends-karen-jones-at-amerifirst-financial-inc' style='font-weight: bold' target='_blank'>READ MOREi needed to consolidate a first and a second mortgage
What a wonderful journey working with Karen Jones and Paige Thompson, Mortgage Loan Officer. I was always up to date each step of the way along with my clients. These ladies were so supportive to me through the process and I knew my clients were in the best hands. Because of ... READ MORERealtor
I was shopping for mortgages and went with an online lender. I had a very complicated situation. The seller wanted to close a week before the sale of my current home, which meant I would have to qualify to carry both mortgages (new and current). The owner had a previous offer pulled ... READ MORESystems Engineer
Karen was fantastic! It was a much smoother process working with Karen. She creates a plan just for you and your needs and then executes it flawlessly. Very knowledgeable, professional with a great personal touch. I highly recommend Karen and her team!
Wow! Karen Jones is the consummate mortgage broker professional! She is not only extraordinarily qualified to guide potential buyers through the mortgage application process resulting in a closed escrow and satisfied mortgagee. Karen listens to the needs of her clients and cares ... READ MORE
If there is such a thing as "perfection" it was on this loan! the best of the best in service not even a tiny bump....You and your group are fantastic!Realtor® Accredited Buyer’s Representative
I had a great experience with Karen and Paige. They kept in touch with me every step of the loan process. They were very personable and professional. I would highly recommend them.none
Karen Jones is one of the best lenders I've ever worked with. Along with her team, she makes the process easier for the client and keeps me informed all the way through to closing the transaction, and follow up...She is always available if I have questions, or if my client does. ... READ MOREAssociate Broker
Karen was very competent and proficient during the loan process. She was able to provide information to the seller that put the seller at ease and accomplished our goal of being the number one choice buyer (and we were the long shot). Karen's communication skills are top level ... READ MOREFormer program manager/engineer; now living life of retirement
I was very impressed with Karen and her team. Their ability to keep us informed of the status of the loan throughout the transaction was wonderful. Often times I received updates prior to my request for one which is rare with lenders. I would definately recommend Karen and her team to buyers.Transaction Manager/Realtor
Karen was super helpful in our home buying process. She stuck with us through multiple attempts, until we found the perfect home. We had not purchased a home in 10 years (pre-2008), and with all the changes in the mortgage industry, she happily spent time explaining the new steps in ... READ MORESr Director, Technical Sales
Thank you so much for you and your teams' professionalism. I can always trust you to educate our clients on the loan process, and take them through to the end with a smooth closing. I appreciate your knowledge, organization, and promptness! Thank you for treating all of our ... READ MORERealtor
Recently Karen assisted me in finding a morgage to purchase a home under unusual circumstances. Karen returned my call within minutes of my first message. She was very responsive and clear in all our exchanges. Karen took the time to ensure I truly understood everything that was going ... READ MORE
Karen and Paige are AMAZING. They very thorough, patient and diligent. I have the utmost confidence when they're helping a buyer. I'm so grateful to have them as a resource! Thanks for all that you have done for me on many transactions.Realtor
I received professional and pleasant service from Karen. She explained everything to me and tried to make the process as easy as possible. I would highly recommend Karen. Thank you!AutoCAD Technician
Karen and her team always kept me and my clients up to speed on everythingRealtor
Karen absolutely exceeded my expectations of a lender! The communication from Karen and her team was constant, timely and pertinent - not just emails, phone calls too. She explained things thoroughly to my client. I was never left overnight or over the weekend not knowing where we ... READ MORERealtor
Karen is very knowledgeable and personable. She truly cares for her clients, punctual and happily answers all questions. It is so nice that she keeps in contact after closing.
This is the fourth home I have purchased, but my first time utilizing AmeriFirst. I have utilized various Mortgage brokers in the past, but non compared to the AmeriFirst experience. Karen Jones is by far the best in the business. She was helpful, knowledgeable, communicative, and ... READ MOREElectrical Design - Salt River Project
Karen helped us get into our first home. I am very pleased with her service. She was very easy to talk to, professional, and detailed. I would definitely recommend her to first time home buyers or anyone looking for a home loan. She will be there to guide you thru the process.First time home buyer
Karen is super responsive, extremely helpful working with Buyers and is a true pleasure to work with!Sales Consultant
First Class Professional Lender! Highly experienced; knowledgeable; detail oriented; tremendous follow-up!Luxury Homes Agent - West USA Realty
Karen Jones is the lender that I like to work with. Karen goes the extra mile and works to get the best rates for my clients and she and I partner to find each and every way to process the file with the lowest fees. More importantly, we keep up on the file and always close on time! ... READ MORErealtor
Karen Jones was not only the most informative loan person but a kind individual that cared about me and not just my loan. I wasn't treated like I was a file # or set of figures for my loan, but she treated me like a real person...like a friend. I was so glad that my realtor ... READ MORE1st grade teacher
Karen Jones and her team took great care in providing my client with the professional service that one would expect. Transaction was smooth and closed on time. My client had a bad experience with a previous lender and Karen explained the process in a step by step conversation that my ... READ MORERealtor
We came to Karen Jones on the recommendation of a friend and we were very pleased with the service we received from Karen and her assistant Paige Thompson. They were very thorough and efficient in every step of the loan process and quick to answer or address any concerns we had. We ... READ MORE
Karen and her team were fantastic! I would recommend Karen and her team at Amerifirst to anyone looking to get help with a mortgage! Thank you team!Homeowner
I sold a listed a great AZ property and Karen Jones did a phenomenal job on the home loan, her communicating with her buyer, buyers Agent and me was the best I have ever received and closed early. Thank you Karen. Anne Harlow US Preferred Realty (480) 225 6654 Realtoranneharlow@gmail.com https://reach150.com/mortgage-refinance-first-time-buyer/review/61033/karen-jones/133340/anne-harlow-recommends-karen-jones-at-amerifirst-financial-inc' style='font-weight: bold' target='_blank'>READ MOREListing Agent