Skip to Content


State License: AZ #914383

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.

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 / 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

She was great and very informative. As a first time homebuyer I was clueless to everything and she educated me throughout the process to help give me a better understanding. Analicia Meza Buyer
We bought the house thru Karen and now a refinance, Karen is the best to work with keep us informed of what was going on and if we had and questions she was right there to explain it to us.. She is the best.. Carol Daub
Karen and her team were great! Before my refinance was finished I had to go out of state for an extended time. Ginger kept in touch with me and arranged a notary from the area I was in to come to the house so I could sign all needed documents. My refinanced closed while I was out of ... READ MORE Muriel Stockman Client
As a broker with forty years experience in the AZ residential real estate market, I can tell when a loan officer is committed, organized and effective. Karen is all those things and more. She is organized, communicates proactively and delivers on time! Thank you for doing your job ... READ MORE Debbie Yost Designated Broker, RE/MAX Casa Grande
Karen is Great to work with!! Closing happened on time and transaction went very smooth. Shana Trotter Realtor
I used them to buy my house a couple years ago and recently refinanced my house through them. Karen and Ginger are great and make the process painless and fast. They are also fast to get back to you if you have any questions and will explain it until you understand what is going on. Edward T
Everyone was so attentive and did everything to make this process as easy as possible for us. Would recommend ! Valorie ibarra Buyer
Karen and her Team were great to work with. They communicated well and sent weekly LSUs. The Drew Team
Karen is very knowledgeable in her field. Great approach to guide us through the hole process. Karen’s team was always ready to answer our questions any time we need them. Dalwinder K
Karen has stayed in contact with me for months before I was ready to buy a home. Best team I have had! Would definitely recommend her to everyone! Daisy ortega Buyer
Karen and her team did a fantastic job first in the original purchase of my home three years ago and more recently with the refinancing process. Would not recommend using anyone else but Karen. Steven J Schneider
We had multiple buyers purchasing a condominium in Carefree that had to close within 45 days. Karen did a great job working with all the parties involved and drove the process successfully through to completion. Thanks Karen! Carl Dabruzzi
Easy transaction. Karen and team were very responsive. Patrick K Kranz
Karen and her team did a great job guiding us through the home mortgage process. It has never been so easy and without unnecessary stress. Danie Allen customer
Karen is AMAZING! From start to finish she had our best interest in mind, and kept us very well informed of every part of the process. The process was seamless, and in the end, we have saved SO MUCH Money! This is the 2nd time I have used Karen for my mortgage needs, and both times ... READ MORE Erin Stafford
Karen and Ginger ๐Ÿ‘๐Ÿ‘๐Ÿ‘๐Ÿ‘ Victor W Trucker
Karen made the whole process of buying a home easy to understand and stress free by breaking down steps and answering any questions no matter how simple or complex. Mario Macias
Karen was excellent very knowledge and a pleasure to work with! Our VA loan experience was very professional our questions were always answered and we were always kept well informed! Also to talk to a real person who is always available instead of voice mail is wonderful and a real plus!!!! Gerald and Pamela Lind
Karen did a wonderful job for her client and worked well with my team throughout the process. Great job Karen. Robert L Garwood Robert L Garwood Realtor
Karen Jones is on my short list of highly recommended lenders! She is highly reliable and communicative. And a wealth of knowledge across many lending products. Ted Bland Realtor
Working with Karen was a wonderful experience. Her knowledge and abilities are outstanding. If you are ready or considering buying a home, Karen is your gal! She will guide you through every fine detail, easy to talk too and she is 100% dedicated to making your home owning dreams a ... READ MORE Connie Courtroom Clerk
Karen's great to work with, would recommend to anyone. Tim Bateman Real Estate Agent
I never have given a 5 except in this case. Karen and her team were a pleasure to work with. They were all on top of their game!!! Nick Imm Retired
This is the 2nd time we used Karen's mortgage super power. The first was to buy a home,and most recently to refinance the home we purchased 6 years ago. Karen and Ginger are the dynamic duo that secured our refinancing within 35 days. We have a lower interest rate, cut 5 years off ... READ MORE Vikki Pine-Kern Retired
Karen and Ginger were AWESOME!! Enjoyed the process! Mario Mario Licciardi Realtor
Karen went above and beyond to help us afford our dream home. She was quick and responsive and we are so grateful for her and all her help Thank you Karen!! Ashley Wolfe Buyer
I can't say enough wonderful things about Karen and her team! I was first introduced to Karen 4 years ago when I bought my home and she worked my loan... we recently reconnected for my re-fi and made the experience incredibly pleasant. "Highly Recommend" is an absolute ... READ MORE Todd Schwartz
Karen and Ginger did an amazing job! They were always on top of everything and always available. My family members recommended them to me and I will definitely do the same !! Kristina Soto
She is always available. She knows what she is doing. Quick respond to any questions. Bahman mokri
Karen and Ginger are an amazing team. They kept everything rolling and sent emails everyday to help me stay informed of loan process. Today I am a home owner Sara Sara Davis Realtor
Karen was so easy to deal with and always had my back. Very professional. She and Ginger are a great team and I will highly recommend them to anyone who needs home buying services. She explained every issue I had in detail so I understood and felt comfortable. Thank you as I write this ... READ MORE Mary Ann Kimmel Homeowner
Karen jones helped my wife and i buy our first home she is very helpful and anything you need she is there for you... She explains everything very clearly and makes sure you understand the whole buying process and makes it as smooth as possible... If your trying to get a home Karen ... READ MORE Adrian Nunez
Karen has helped my fiancé and I for quite sometime now . She has been very patient and super informative from the start . We are first time homeowners and didn’t fully understand to much but Karen made it priority to help us every step of the way . I definitely recommend ... READ MORE Mary Hernandez
Karen was very informative and was an absolute pleasure to work with. She explained every detail which was very comforting to me especially when buying my first home. I’ve already recommended her great services to my coworkers, family and friends. Dawn Matragrano Client
Karen and her team were great to work with. Good communication and we closed as scheduled. Let's do it again soon! Lisa Lowe Lisa Lowe Realtor
Excellent communication skills with caring for the best results for her clients. She take extra care with first time buyers and those who need credit repair. Karen also has a great scope of knowledge in the mortgage industry. Helen Calvin P.C. Realtor
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. Robin Duffey Robin Duffey 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! Beth Bahrs
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, TNS Timothy Stom Timothy Stom Manager 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. Iris Bessler Interior Designer for Ethan Allen
Thorough ,always responds promptly, updates you frequently, entire team always in contact, all very easy to work with. karin e Emmons 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. Cathie Rodman
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 MORE Rick  Daub Rick Daub Retired
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 Amol Ajgaonkar
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 MORE Michael Rime Home 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!! Eileen Harris 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 MORE Barbara Monroe Barbara Monroe Realtor
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. Denise Nojaim 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 MORE Leonor Burruel Real 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 MORE Norm Carrier Home 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. Ryan Scott 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. Pamela LoBosco 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 Julie Garner 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 Rosa Rabago
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. Heather Hansen Production Processor Team Lead
Great communication and always sending updates on time. Anastasia Tsoka Associate Broker
Great communication and teamwork ;-) Trish Worsham 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 !!! shana sigler 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. Borhan Ardestani 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! Carissa Ruiz Carissa Ruiz 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. Barbara and Walt Rockwell Retired
Karen is very knowledgeable and reliable! Camelia Pacheco Insurance Team Member
Karen is wonderful. Delightful to work with, very motivated, and insightful. Tom Evon 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! Brett Gaboury 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 MORE Anonymous Realtor
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 MORE Aysegul Demirtas Dr.
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. ShariBrunton 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 Veronica Nichols
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 MORE Georgette Azizi Spa 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! Tina Azizi 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 MORE Andrey Snyder Senior 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 MORE Greg Loynd Greg Loynd Associate 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 MORE Tracy Keller Home 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 Barbara Bernard
Very diligent and on point. Glad to have had the opportunity to complete a smooth transaction with Karen Jones. Justin
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 MORE Terri Williams CRP for Food for the Hungry
Thanks again Karen to you and your team for closing this VA Loan with professionalism and on time! Kelly Ryan 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 MORE Bobbi K Herman Bobbi K Herman Realtor
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 MORE Aaron Weeks Aaron Weeks Realtor
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! Chris Mott 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 MORE Courtney Coady Courtney Coady Senior 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! Michele Flanigan 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 MORE Montgomery Framily Montgomery Framily Home 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 MORE Jared Haldane Superintendent JB Henderson Construction
Karen and her team were extremely helpful. Would highly recommend. Chris wahl
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 Charles Bradshaw
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. Gary Lund Gary Lund 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 Susan and Keith Armstrong
Karen and her team did a great job of communicating from start to finish and the transaction was smooth & easy!! Jonny Meins Jonny Meins 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 Petrana Stamenov
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! Desiree Cosby Realtorยฎ
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 MORE Jason Dalle Software 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! Ron Amneus 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 MORE Maria Nnaji RN
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 MORE Kelly Gunter Kelly Gunter Underwriting 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, Tara Verhagen
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.' style='font-weight: bold' target='_blank'>READ MORE Sharon Risser i 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 MORE Pam Carlson Pam Carlson Realtor
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 MORE David Vong Systems 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! Moshe Zohar

Let's accomplish more together.

Get in touch

Back to top