Mortgage Loan Officer NMLS ID: 1460476
ABOUT GIL MUNGUIA
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.
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.
Mr. Mungia was amazing! Buying a house can be stressful and overwhelming so having Mr. Mungia working on my side made the process less stressful. He is diligent, Even though I faced obstacles and just when I was ready to give up. Gil was so professional and thorough in explaining ... READ MOREMedical Support Clerk
Thank you Gil, for working with me and wife to get our new home. You were there to answer all my question and getting all the information needed to get my loan approved. We ran into some obstacles at the end but we were able to work thru them thanks to you and the other gentleman that ... READ MOREEnrollment Specialist
Gil did a great trying to get loan approved. He worked even on weekends to make sure that things were done. He called me back asap, even over the Thanksgiving Holiday to get things done.Teacher
Having worked with Gilberto has been a very pleasant experience. He is a very kind person and very prepared in his work. I would recommend 100%.
We were referred to Gil upon our home search and he called us immediately. Gil helped us with all our questions and was available at all times to further explain anything we needed clarification on. The process of applying for the loan was easy and straightforward. Gil has an easygoing ... READ MORE
Gil was readily available for any questions and gave 100% all the time, would highly recommend.Doctor
I began my search for my own home and was introduced to Gil Munguia who was instrumental in me achieving my dream. Even when we faced some obstacles along the way beyond his control, he offered ongoing expertise and support. Even with my process taking a length of time, Mr. Munguia ... READ MOREMs.
I was pleased with the service gil provided. Any time day or night he stayed available for any questions or concerns i had. He also lived about a mile from me before i purchased my new home and instead of making me drive across town to deliver any documents he might have needed he ... READ MORE
Cant put into words how painless experience Gil made of this process. Top of the line assistance.
A pleasure to work with. Great communication throughout the loan process and even after I closed on the loan.Wellness
First time home buyer and Gil definitely made the entire process easy! He was on top of everything and always kept me updated, as well as answering all my questions along the way. He goes above and beyond to make sure you are taken care of and I recommend his services to anyone looking for a lender!Registered Nurse
Throughout our home buying process, I would recommend Gil Munguia he was extremely helpful and answered all our questions. My wife and I were very pleased and we will for sure be recommending him.Tile installer
MR. MUNGIA WAS AMAZING TO WORK WITH. HE IS DILIGENT, PROFESSIONAL, THOROUGH AND KNOWLEDGEABLE. HE IS VERY THOROUGH IN EXPLAINING EVERY DETAIL OF THIS PROCESS AND HELPS YOU GET THROUGH IT WITH GREAT EXPLANATION AND A CALMING NATURE ABOUT HIM THAT HELPS YOU GET THROUGH THE PROCESS ... READ MOREEVENTS MANAGER