There’s talk in the news and throughout the housing market industry that lending giant Wells Fargo is lowering credit scores it requires for prospective home buyers financing with FHA loans. While this may seem – on the surface at least - like great news for Americans looking to buy a home … we approach this move with cautious optimism.

One of the "don'ts" when buying a home and securing your financing is a job change. Losing your job is tough and can impact your chances of mortgage approval drastically. Lenders want to know that you can pay your bills. No job, no income, no mortgage loan. However, a job change can also give lenders a reason to reconsider.

Updated 10/01/16 to include our new Customer Care hours and phone number! Home buyers with a mortgage loan through AmeriFirst Home Mortgage enjoy several benefits. One of them is local service. AmeriFirst retains servicing of most of its loans. We do not sell servicing to big banks. This means when you close with AmeriFirst Home Mortgage, you pay your mortgage to AmeriFirst. You can call us with questions and talk to the AmeriFirst Customer Care department. They're local, too. No call centers here.