Michael Freeman

Area Manager, AZ | Sr. Mortgage Loan Officer NMLS ID: 237263 | AZ Lic: 0915967

About Michael Freeman

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

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.

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

Michael and his team made not only the purchase of my home but also the refinance a seamless process. They were attentive and informative, at no point was i confused on the process. Mike Bejarano
Michael and his team not only got me the best interest rate on my refinance, but they also provided excellent customer service throughout the process. I highly recommend them. Robin Marketing Manager
I have worked with Mike previously and was so impressed that I came back to him for another refinance. Very efficient and was a joy to work with. Lawrence Merritt Director of Marketing
Great staff very attentive and result driven. Donald Giorgi
The process was pretty straight forward and with not much intrusive documentation and focused on information about the financial capacity as it should be. But my experience with other loans (commercial) is that all I needed was 2 years tax returns, a financial statement and the ... READ MORE Riaz Hussain
Both the first and the refinance loans closed with little work on my end and best of all no cost to me. Thank you I will always be a customer for my loan needs. Barbara Leuci
Michael and team were a pleasure to work with! Michael Mochel
Your team kept us up to date with the status and made it all easy Kari Mocehel
. Jessica Witte
Lisa and Ryan went to bat for me on a tight 30 day jumbo with two holidays in between and dealt with my stress and frustration over an underwriter incapable of counting to 12 and stayed level headed and helpful while I was in freak out mode as we got neared close. Ultimately, it all ... READ MORE Gregory Kerr
Ryan and Charlie were outstanding! They really went the extra mile for us to ensure everything went through and they got the best deal for us. Patricia Wildfang
I was kept informed of everything in the process. Sandra Persinger
Charlie James was awesome to work with. Great experience! Robert Persinger
The Freeman team was fantastic and made the whole buying process seem so easy! Very prompt will all my questions. Highly recommend for the purchase of a new home. Shannon Barbara Salinas
Outstanding performance from start to finish. I was kept informed by every detail needed to successfully complete the process of my refinance. I am grateful to have a company by my side at any time, go Freeman team! Mladen Pivac
Everyone we dealt with was friendly and understanding. They were patient and explained everything we needed or didn't understand Christina Velten Brandelli
Great communication. Very responsive. Never made me or my questions feel stupid or like a bother. Everyone we interacted with always had a pleasant attitude and seemed eager to help. Felt like we could trust everyone. Sean Donovan
Too many people involved. Systems are not user friendly. Urgency on clients while your organization is lacking. Chris Rullman
Outstanding service in a professional and timely manner. Michael Freeman and team went above and beyond to make the home buying process smooth and easy Melissa Polk
Awesome communication and professionalism! Great experience working with Team Freeman at Fairway!! Extremely impressed and thankful for helping us on our new chapter in life! Eugene Polk
Better communication. More knowledge. Not sending us on a wild goose chase to Kansas City to meet with a notary who wasn't there. Continually asking for information. With proper planning, knowledge and communication, that all should have been handled comprehensively. Terry Kocourek
Honestly just good people. I always feel as though my business is important to you and the people always treat us very well. It's nice to do business with people when you feel important. Michael Norby
We had a few hiccups at first but everything was resolved swiftly Peter Taormina
Because there aren't even selections. It wasn't just okay, but it also wasn't great. It was good. There were multiple requests for the same information. Douglas Saunders
Very quick response time. Great communication with Michael and Ryan. Hannah Stout
The entire team was amazing to work with could not have done it with anyone else. I am a real-estate agent and always use Mike and Ryan. They definitely know the biz Christopher Smith
Very fast and communicative. They quickly answered questions and solved problems. The only concern was the property address was somehow mis-communicated when sent over to the title company, but in the end it worked out just fine. Micah Duncan
Not enough great things to say about our experience with the Freeman Team!! From day one their efforts on our behalf were outstanding. We had some unique issues come up and throughout the process they kept us calm and communicated openly and honestly with us. In the end, they were able ... READ MORE Sara Smith
Follow up could be improved. Gerald Barnes
Even with the large number of re-ifs being submitted Mikes team kept me informed and got it done it a timely manner. Thanks Mike and kudos to your team. Brett Skelley
Charlie was very professional and helpful Deborah Breining
Michael and his team are very responsive, communicate well and always made sure this was a pleasant transaction. We will be working with them in the future and referring more business! Thank you Freeman Team!! Ryan Banovac
Thanks, Lisa Hays
Dealing with the Freeman Team is a pleasant experience every step of the process. This is my 6th time doing a transaction with them and I wouldn't take my mortgage needs anywhere else. Marc Blagg
I had excellent and prompt communication from the entire team. I feel that everyone working together made this a great experience. Response times were very prompt no matter what time of the day it was or what day of the week. Someone always replied timely. Thank you to everyone for ... READ MORE Arturo Torres
A little more communication. If I wanted information about my loan I had to make a ton of phone calls to figure it out Nykole Willmore
Concise communications, quick responses, clear direction from team and online app. Casey Roush
Communicated very well every step in the process David Choquette
Clear and consistent communication, helpful attitude and on-time service. Gail Owens
They were awesome to work with and very knowledgeable. Reed Merritt
The Customer Service was exceptional everyone I dealt with was very professional and friendly. An overall pleasant experience. Michelle David
I know the market is crazy right now, but there needed to be more communication and fewer excuses everytime something went wrong. I know we do not live in a perfect world and things happen but communication is key. Especially between departments and loan officers. This is a time ... READ MORE Shananda Richards
Some mistakes were made in this process. I don't like surprises, especially when it costed me a lot more money than what was quoted. Granted the guy who worked on our loan at first was fired, I still think more should have been done to make things right with us for our inconvenience. Vicki Shelton
You all made everything fast and easy Great customer service. I was always kept up to date with the process. Thank you. Scott Ryan
Ryan Bolger from Scottsdale AZ branch has handled 3 transactions for us. Each time he has gone above and beyond the service we expected especially during the confusino caused by Covid 19. Michael Harshbarger
They made the process the most quick and easy for us Claudia Ramirez Espinoza
We have now use the Freeman Team for two mortgages and they are a breeze to work with. The team continually kept us up to date on status, next steps, explained the paperwork and what to expect, etc. It was a smooth and easy process. Sarah Hurd
Outstanding customer service. Friendly, very helpful, displayed they really wanted your business. Charles Mitchell
Ryan Bolger was honest and responsive. My only issue is that I would receive emails from different entities regarding my mortgage process and sometimes I would ignore it or miss it because I wasnt expecting it and I didnt recognize the sender. So, I felt that I wasnt responsive ... READ MORE Beverly Stokes
Ryan Bolger with the Freeman Team made it a easy and great experience purchasing our home. Anthony Kurth
Ryan was helpful all the way through the process. Always kept us informed. Love working with you all! David Deeny
This was our first house and we came into the process not knowing much and a little intimated. Buy the team that helped us made the entire process incredibly easy. Ive heard the stories of how hard the process of buy a house could be but that was not the case for us! Were incredibly thankful Derik Thomas
I loved how responsive Jared was and how he was readily accessible whenever we needed him and answered all of our questions enthusiastically. Brianna Moorhead
The personnel, professionalism and friendliness! Ronald Mautz
Awesome communication and professionalism! Great experience working with Team Freeman at Fairway!! Extremely impressed and thankful for helping us on our new chapter in life! Tajuana Whitehead
Consistent communication throughout the process Christopher Hurd
Mike was very helpful and knowledgeable about his job. He got all the paperwork and the info they needed in a timely manner. Very quick closing and that's what we were hoping for. Donald Giorgi
Mike and his team were a blessing to work with! They made our home purchase easy and stress free! I would Definitely recommend the Freeman team to any of my family and friends! Mark Medrano
Staff was friendly and professional. They made the experience stress free. Would not hesitate using them again. Jose Rivera
Easy to do business with and great rates. Kelly Garevrick
They kept us in the loop as to the status of our loan application. It was very pleasant to deal with all the people in the office. Catherine Bock
Great fast friendly service, always ready and willing to help you every step of the way. Made house purchasing a pleasure. Thank you for the opportunity. Corey Drury
Constant unnecessary requests for documents, even up until the very last day. Delayed the process, process was not clear. I received emails saying that your team would Reach out and fully prepare me for the closing process. Never heard back and walked in unprepared. Luckily the title ... READ MORE Zachary Vogel
A great experience all around! Kenneth Hawkins
Ryan Bolger is AMAZING! Professional, prompt, and all around a joy to work with. Jamie Kessler
The ease of doing it with these guys for both my refinance and my original home loan Nicholas Collins
I wouldn't recommend them at all! Justin Williams
Quick and easy process Ronald Mercer
From the start of the process through closing, everything went very smoothly. Jared always answered my questions quickly whether it was via email or a phone call. I highly suggest using the Freeman Team if you want the best rate and a smooth and fast closing. Robin Mish
Professional knowledgeable transparent affordable Brandon Herbst
Excellent customer service made the experience pleasant and stress free. Jeffrey Nelson
Did a refi November 2019 and again April 2020. The Freeman team did a great job of keeping me informed making the process easy. Cheryl Stair
Communication was great Mike and Jared were extremely helpful through the process! Ryan Holtorf
Michael and Jared were great. They processed our loan like no other company ever has for other homes we have purchased. I would highly recommend everyone looking for a home loan to use the Freeman Team. David Couch
Communication Libby Stressman
They were very professional. They made themselves very accessible and helpful. Using DocuSign was very easy. Final signing they came to me never had to leave my house. Fantastic service. William Thompson
Quick Jon Martis
Everyone! I have never had a smoother experience. I would definitely use them again. Thank you all Timothy Sprecker
Ryan went above and beyond for us, we appreciate it very much. Erick Krosky
Very happy and they all did a super and great job, i will continue my business with this team and Fairway great company and great people. Thank you!! Tomas Cancanon
The Freeman team is outstanding! Very easy and professional to work with. Wouldn't recommend anyone else! Eric Schmitt
Always a pleasure working with the Freeman Team! Marc Blagg
This was smooth and stress free. Ryan did a great job and the rates are good. Jeffrey Ullman
Ryan is my new favorite mortgage guy ! He's so easy to work with and understands that 'life happens'. He provides you with the personal service you need for your own situation. He gave us options so we could decide what was best for our future plan. We're very excited ... READ MORE Mary Wagner-Kimbrel
The Freeman Team is so easy to work with and they understand 'life happens'. They provide you with the personal service you need for your own situation. They gave us options so we could decide what was best for our future plan. We're very excited to have our new house on ... READ MORE Mary Wagner-Kimbrel
Everything went perfectly. Danielle & Ryan were way fast on timing & getting back to me with answers to all of my questions & concerns. I also was able to come in early & sign all thanks to the timeliness & caring attitude of all of everyone at the Freeman Team. Thank you much!! Maria Lindner
Everything was easy and stress free. The Freeman team is a pleasure to work with both as a realtor and a client. Shannalee Fowler
great communication, professional staff I knew where I was in the process at all times Gary Kerekes
The team was extremely responsive and in constant communication. They made the process flow seamlessly. LeeAnn Banfield
Poor and erroneous communication. Missed deadlines costing me thousands of dollars with the moving company and hotel costs. Additionally, as I work from a home office and had no home and no clear path to being able to move into my home, I incurred costs having to rent office space. ... READ MORE Ket Talley
The entire team was great. Everyone kept us informed as to what was going on and walked us through every step. Paperwork was quick and easy and communication was top-notch. Too many companies forget that communication makes or breaks a client's experience and we had a great experience Justin Schenk
I do not give out 5 stars very often but the Freeman team deserve it. The Freeman teams customer communication is excellent. Every conversation , with every team member was clear and complete, leaving me with absolutely no questions unanswered.. I felt so comfortable working with them. ... READ MORE StormieCoffman
Better communication on the timing and when barriers are encountered would have made the experience much better. We understand that things happen, but to not hear updates for weeks at a time and to have communicated deadlines pass with no communication is a bad customer service ... READ MORE Thomas
Extremely helpful, Very Professional, I Thank You for all your help in this process. Alberto
The Freeman Team helped make buying our first home an enjoyable experience. They answered all of our questions quickly and guided us all along the way as this was a new experience for my wife and I. I highly recommend working with the Freeman team. They provide an exceptional service. ... READ MORE Michael
Great communication and a quick closing. Mark Vanderpool
Your process was easy and your team was on top of the mortgage process every step of the way! Great customer service! Many Thanks. David and Laura Z. Goodyear AZ David Zack
The Freeman team did a great job. My refinance was a little more complicated. I am self employed and I paid off a rental home and a car and refinanced my home all at once. The Freeman Team made the whole process easy. I would definitely recommend the Freeman Team. Cheryl Stair
Buying a house is always a frantic and stressful event but Mike and his team did an amazing job throughout the process following up with us and ensuring we were moving through the process seamlessly. We had a complicated situation where we were selling and buying simultaneously but it ... READ MORE David Weems
You made the whole process as easy as possible. Scott Lesueur

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