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I'm a Mother to two beautiful daughters, my oldest attends UCSB majoring in Biological Sciences and my youngest attends Bullard High and keeps me very busy with her travel softball team. I have worked in the mortgage industry for over 15 years with 8 of those years being builder business. I'm very passionate about my career and take great pride about giving my very best to each and every client. As a Mortgage Loan Professional it is my responsibility and obligation to be knowledgeable in all of our loan products and down payment assistance programs. I promise to take the extra time to look at ALL loan options and or credit improvement options for each of my clients to insure that they have the best loan option that suits their needs. I do not take the easy way out when it comes to difficult scenarios. Challenges don’t scare me; they motivate me to conquer and succeed. I know that buying a home can be scary for some of us therefore I will communicate with you and walk you through the whole loan process so that you have a peace of mind and confidence about owning the home of your dreams!

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.

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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.

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

Clarissa made sure we were approved and on track at all times for closing our loan. We felt like she was on our team and had us in mind throughout the loan and home buying process. Jeffrey K Gooch
Clarissa did a fantastic job working with me and helping me get my first home ?? I would highly recommend her for anyone looking on buying a house ?? Arturo C
Clarissa was everything I needed and more when it came time to refinancing our home! She was flexible, patient, and readily available to answer any questions or concerns. I appreciated her transparency and her entire team is awesome! I highly recommend Clarissa and her team for any of ... READ MORE Yesica Colmenares School Psychologist
Clarissa Campos is splendid to work with. Her knowledge is impecable and made me feel at ease through the entire refinance process. I would definitely recommend her to others wanting to refinance or purchase. Overall, It was great experience! Thank you Clarissa! Elida Rubio
I can't emphasize how grateful my family is for Ms. Campos. Clarissa advised me for months in advance in order to get the best options, rate, and refund from my cash-out mortgage in my situation, whereas my previous lender (a larger well-known company) had stopped offering ... READ MORE Becky Hiura Educator
Clarissa Campos was very helpful and she guided us through this crazy process of owning our first house I would go to her without any hesitation in the event of going through this process again and I would recommend her to my family and friends when they are ready for becoming home ... READ MORE Oscar Mejia
As a first time homebuyer, the process can be daunting! Clarissa was patient, communicated clearly, and made herself readily available to answer any questions. She quickly handled any issues that came up and was great about sending texts reminders for pending tasks. This worked ... READ MORE Kristen Herrera Senior Defense Investigator
Clarissa is so proficient at what she does! She made every document so easy to understand and kept me informed and updated as my loan was moving forward. Thank you so much for your time, patience and professionalism. I would and will recommend her to all my family and friends that are ... READ MORE Karla Karla Jackson
Clarissa is super helpful, knowledgeable and friendly. She is great person to work with when buying a house and she does her job well. I highly recommend her. Amy Xiong
Clarissa is super helpful, knowledgeable and friendly. She is great person to work with when buying a house and she does her job well. I highly recommend her. Amy Xiong
Clarissa is super helpful, knowledgeable and friendly. She is great person to work with when buying a house and she does her job well. I highly recommend her. Amy Xiong
Clarissa is super helpful, knowledgeable and friendly. She is great person to work with when buying a house and she does her job well. I highly recommend her. Amy Xiong
Clarissa is super helpful, knowledgeable and friendly. She is great person to work with when buying a house and she does her job well. I highly recommend her. Amy Xiong
Clarissa is amazing! Made our process so easy and done in such a timely manner!! Thank you Clarissa!! Jennifer Henderson
Clarissa was Amazing! I was very worried about the process of REFI and worried if this was the right option for me. Clarissa Campos made the whole process easy and painless. Everything went through so smooth and I would highly recommend using her. Thank you Clarissa!!! Gabriel M Stevens
Clarissa was amazing to work with. She jumps through hoops to make things happen and to create the best experience for her customers. I highly recommend Clarissa! Audra Carrillo
Thoroughly impressed and pleased with the work that Clarissa performed with our mortgage loan. She was a blessing throughout the process. I am a new hire at my current job and couldn't take time off from work to go over information. My best time was after work hours. Was that a ... READ MORE Michael A. Camarillo County Worker
Clarissa was great and answered all my questions through whole loan process. Sarah Montes
Clarissa and the entire staff was amazing. She helped us with things we didn’t know. And made sure the processes was smooth. She would always get back to me with inn a few minutes when ever I had any questions. Highly recommend. Patty Gonzalez
We have worked with Clarrisa twice now. She is very knowledgeable and treats her clients like family. I will continue to recommend her and seek her out should I need her services again. Kimberly Reed
Clarissa Campos was at most professional making the process of refinancing easily keeping me informed throughout the loan most docs were signed electronically signatures until the very end when my loan was approved in a timely matter saving me over 1500 a month very pleased with Clarissa. Mauricio C. Grocery distribution
Clarissa was truly a blessing for me .Clarissa helped me to get me refinanced , she truly is a hard worker and and did not allow any obstacles to get in her way she got it done ! I highly recommend her to all . Thank you ?? Nancy Alejandrez Nancy Alejandrez Self Employed
I had the pleasure of working with Clarissa during the purchase of my second home. She was not only diligent but went the extra mile to make sure my family got the best interest rate possible. I would highly recommend Clarissa to anyone looking to purchase a home and in need of a loan officer. Floren
Clarissa was referred to me by US Bank. She helped me do a cash refi so I can buy a second home. Clarrissa was on top of her work, and she was very knowledgeable. She is a loan guru and is very technical and detailed with her loan services. She is good a responding back to you. If you ... READ MORE Jensen Vang Finance Director
Clarissa was excellent to work with answered all our questions .Helped all the way through the process highly recommend her . Cesar Avalos
Clarrissa was recommended to us from our friends who just bought a house. From start to finish Clarrissa was amazing! I loved that she communicated with me the whole time, as I needed that since this was my first time buying a home. She made the process very easy!! I highly recommend her! Heather Fode
Clarissa was amazing to work with! She answered all of my questions and helped me with any issues or concerns i had. Being a first time home buyer there was a lot to learn but she was able to bring me up to speed very fast and made the home buying process a pleasant experience. She is ... READ MORE Alex Rosenberg Flight test Engineer
Clarissa has been great to work with. This is the second time I have worked with her. And she has always been helpful and quick to respond. Richard Salgado
Clarissa was very professional and helpful. She and her assistant made the entire process of refinancing our home extremely easy. She was able to get us a lower interest rate, help us pay off some of our debt, lower our mortgage payment, and decrease our monthly expenses. I would ... READ MORE Justin Wallace
Always punctual, knowledgeable, friendly, and helpful! Highly recommend!! Kelly Kim Sales
Clarissa was awesome. She helped me with everything in a friendly timely manner. Clarissa took the time to do everything right the first time. Thank you for everything Clarissa Erica Urena
Clarissa helped me and boyfriend buy our first house and she was amazing through the whole process! I will be recommending her to anyone who asks. :D Vanessa Villanueva Insurance Agent
Clarissa has done an amazing job. She has helped us twice in the past seven years. We keep coming back to her. She is very attentive and explains everything to us step by step and in simple terms. Clarissa always exceeds our expectations and goes above and beyond. Antonio Ramirez Superintendent
Es muy profesional, amable y eficaz, la recomiendo al 100% Francisco velazquez Francisco velazquez Se positivo y nunca conformista.
Clarissa was awesome, answered all our questions, always responded timely, and got our refinance done quickly. Would highly recommend. Brian Rankin Technical Manager
She was great. We are glad that we used her company. William Bolin Diesel mechanic
I worked with Ms. Campos with refinancing my mother's home, a home she has resided in for 45 years and was at a 6.9% interest rate. I found Ms. Campos to be very professional, flexible with her time --- easily accessible by phone/text and email, and a very pleasant person to work ... READ MORE Edward T. Lewis Edward T. Lewis Section 3 Administator
I was amazed at how knowledgeable Clarissa was on my refinance. I am a numbers person and she knew her numbers and math. She did all the work and I relaxed and was worry free with my work and personal life. I appreciate her hard work and dedication to excellence when dealing with me ... READ MORE Anna Amador Anna Amador Project Engineer
Clarissa is great! She is very professional and prompt with answering questions. Through the loan process she made sure I understood everything. In addition, she took time in analyzing my personal situation to get me the best possible loan. I would recommend Clarissa to any one who ... READ MORE Maria Adame
She is really helpful and polite and always detailed every concern we had about refinance our home and gets the best rates for you. I highly recommend her. Monica Guerrero Monica Guerrero MA
Clarissa finished my refi process in a timely manner. She helped me to understand the process and always answered all of my questions. She knows her stuff so well and was always conveniently available. This is my second time working with Clarissa and it was a pleasure again. I always ... READ MORE Elvera Arias Very pleased homeowner
We are glad to choose Clarissa Campos as our Mortgage Loan Officer. We started off not knowing much about refinancing, but Clarissa made it easy for us to understand the process. It doesn’t matter what time of day it is, Clarissa always answered all of our questions. Her response ... READ MORE Piseth Uk and Phomre Aun
Clarissa Campos at AmeriFirst did a fantastic job helping me refinance my home taking money out and saving me over $100 a month Anonymous
Clarissa Campos at Amerifirst helped me refinance my home and take cash out. Clarissa was able to give me the cash I needed and lower my mortgage payment by over hundred dollars a month. If you’re thinking about refinancing your mortgage I strongly recommend you contact Clarissa ... READ MORE Anthony S. Gonzales
In 2018 we were first time buyers when we bought our new house. We got into a FHA loan because we didn't have 20% to put down and literally put all of our savings into the down payment and buying points to lower our rate to 4.25. Almost two years later we decided to look into ... READ MORE Anna Reyes Anna Reyes Mom, Wife, Do-er
Clarissa was a joy to work with. She took my phone calls every time I calle And closed my loans on time. I would Definitely work with her in the future Dennis Biggins
Clarissa was great! Very responsive and got all paper work done in a timely manner. I was super happy to get my keys on time and at an excellent interest rate. I will definitely keep her contact on hand :) Jenny Elia Home Buyer
Clarissa is a great person to work with . She is extremely knowledgeable in handling home loans and refinancing in a timely manner. I will definitely use her services again . I can proudly say it will be pleasure to refer her to my family members, friends and coworkers. Micheal Williams Service operator
Clarissa did an outstanding job with helping us get our loan. As first time home buyers we didn't know what was needed to be done and how the process would go. She explained everything to the core and made sure we understood it all. She was always on top of getting back to any ... READ MORE Simarjit Sandhu Buyer
Clarissa was very helpful and made my home buying experience a breeze! Thank you Clarissa! Jeannine Marcenaro Home Buyer
Clarissa was amazing through out the whole home buying process! She did everything she could to help us get into our home and you could tell that she genuinely cared about our purchase! Would HIGHLY recommend her! Anthony cantu Agricultural technician
Very professional and a very trustworthy person to work with. Made my entire experience of applying for a loan pleasant. Will truly recommend her service to others!! Rodd Welch Rodd Welch
Very helpful. Answered all our questions and was available late afternoons. Explained the process of home buying. Rodolfo Quezada
Clarissa worked long and hard, overcame hurdles that came her way in a very professional manner. Her underwriting creativity and patience made this experience as well as could possibly go. I highly recommend her to anyone that is looking for their financial needs. Thank ... READ MORE Lety Goodman Account Manager Lead
Clarissa was extremely helpful the whole way through the refi process of my home. She promptly responded to phone calls, emails, and text messages and even got me a lower rate than we discussed last second due to the fed dropping rates recently! I would 100% recommend Clarissa to ... READ MORE Joshua Schwartz
She did an exelent job. Clarissa Campos Clarissa Campos Directora de ventas
My husband and I are so pleased with the experience we had with Clarissa Campos She contacted us with updates and the progress of our loan, if we had questions or concerns we were always able to reach her. We really do feel Clarissa did her very best to get us where we needed to be ... READ MORE BARBARA R CAMPOS
Clarissa was heaven sent... she was attentive to our needs, always responded in a swift manner. We had the upmost confidence in her ability to successfully complete the loan.. I’ve had a few friends mention they’ve in the market to purchase a home...with no hesitation I ... READ MORE Christy Clark
Thank you Clarrisa for your hard work and dedication. Your knowledge and expertise was exceptional. If the opportunity arise I would not hesitate to contact you again for your service. I most definitely will recommend any of my friends and family when they are in the market to buy or refinance. teng vang and mary xiong
Clarissa is very detail, responsive, care and helpful on all aspect during the loan process, from start to end. I would highly recommend her to others who would like to apply for a mortgage loan. Frankie Kwok Senior Software Developer
Clarissa made our first home purchase easy and smooth, she was on top of things and went the extra mile to make things happen. Very satisfied with her service. Anonymous
Awesome job thank you so much Nelson Davison Retired Plumber
Clarissa was awesome, not only did she take the time to give clarity on the different products she had to offer, she kept me informed step by step. If you have the need for home loan choose Clarissa you won’t regret it! Jess Villanueva Jess Villanueva
When my loan was switched over to AmeriFirst in the middle of escrow Clarissa gave me a closing date and she made sure it happened on that day her staff was sending me documents to sign and if I had any questions her and staff was there to answer the phone and answer any questions I ... READ MORE Sean Warren Home owner
Clarissa was recommended to us from a family member and I’m so happy she was. Clarissa was extremely helpful and we felt very comfortable from the start. She was very patient and informative with our questions and concerns about our first home buying experience. We are so ... READ MORE Frank Beltran Supervisor
Clarissa Campos was very professional and helpful with the refinance of my home. She explained the process clear and answered all my questions regarding the refinance. She made herself available when I had questions or concerns. Clarissa is an amazing loan officer and I would recommend ... READ MORE Olga Alicia Garcia Program Assistant
this is my second time working with clarissa. she's helped me with the purchased and refinancing of my home. she replied quickly to any questions that i have and quick on processing the loan. she's a great and friendly person. khoua shipping receiving
As a first time buyer, I am grateful that a good friend recommended Clarissa to me. As soon as I contacted her she made me feel comfortable about the process. Clarissa explained herself very well and also answered any questions that I had throughout the process. She did an exceptional ... READ MORE Maria Valadez Admin

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