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Buying a home is one of the most financially and emotionally rewarding experiences in anyone’s lifetime, yet there are many inherent challenges that often arise during the process. Because of this, my team and I have created a customized, transparent and hands-on approach to uncover challenges before they ever become problematic. We always strive to deliver a stress free loan process for each of our unique clients. I’m passionate about assisting and educating first-time home buyers and seasoned homeowners alike. My primary goal is to give each of my clients the peace of mind that their purchase will include the best loan program for their unique needs, the best possible rate, a quick and efficient closing, with no stress.

I strive to simplify the loan process for all of my clients by offering exceptional customer service, clearly and concisely presenting information so my clients understand all of their options, and providing the best loan products that cater to each client’s unique needs. As if that wasn't enough, AmeriFirst Financial, Inc. is the only lender in the state of Colorado that offers a product called Protect Your Transaction (PYT), a $10,000 bond that YOU, my client, can use to entice a seller to accept YOUR offer because they (the seller) are protected. And best of all, you will receive PYT at no extra cost!

As a Colorado native, I love sharing the numerous splendors that make Colorado so special, and I’d be more than happy to share them with you over a cup of coffee or a beer. I grew up in the Town of Lyons, and attended the University of Northern Colorado, where I received my Business Administration degree with emphasis in both Finance and Accounting. When I’m not helping my client’s achieve their dreams of homeownership, you will likely find me spending time with my wife and our two standard poodles, watching the Denver Broncos, or skiing/ snowboarding down one of Colorado’s pristine mountain slopes.

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 / 4.25% Interest
  • Principal & Interest $949
  • Property Tax $250
  • Homeowners Insurance $58
  • Mortgage Insurance $84

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.


Eric Miller at AmeriFirst Financial was there to help me through every step of the buying process of my latest home purchase. Eric is an absolute professional, and provided exceptional service in answering all of my questions throughout the process and made sure I felt comfortable with ... READ MORE Michael Boyle Logistics Manager
Eric was great to work with, patient when I had questions, and very clear when explaining what was needed and when to keep the process moving. He was able to arrange the loan in just a few weeks, much faster than most banks would be able to. I would highly recommend Eric and the AmeriFirst team. Dale Abel Information Architect
Eric was informative, prompt to respond to questions, and thorough in his handling of my loan. Definitely a pleasure to work with. Dale Abel Information Architect
Eric Miller was the best! My fiance and i are first time home buyers and our biggest worry was that we would not understand the process and the language to get a good mortgage. We also both work from 8-6pm M-F. Eric was able to explain and answer any and all of our 1000 questions with ... READ MORE Lilian Garcia Engineer
Eric really went above and beyond with helping us through our loan process. We did not know much about the process and he not only explained each step but would answer our questions and calls late at night. He had many different options for us which made us feel like we were truly a ... READ MORE Kimberly Rash Administrator
Eric did an amazing job. I choose poorly in not getting an agent and caused great amount of stress. He helped me navigate the whole process on as well help me figure the proper loan for me. Eric was accessible even outside normal business hours. He was accessible via text messages ... READ MORE Mateusz Przybylek Pharmacy technician
Eric was great during my loan process. He was available nearly any time I needed him. He was open and transparent from start to end and worked with me and my budget. I would gladly recommend Eric for any home purchase! Molly Jenkins Speech-Language Pathologist
Eric and his team provided us professional, knowledgeable, and friendly assistance through the entire process of our recent purchase of a 2nd home condo in Denver. We had several hurdles do to our out of state residence, employment, and typical adjustments having to be made prior to ... READ MORE Larry Resczenski Financial Representative
I was recently embarking on a complicated financial process, going through a divorce and attempting to secure a new loan for the home I hoped to take on on my own. I didn’t know where to start, but I was recommended to Eric Miller, who I was told was good with complicated ... READ MORE My Andrea Fender
Throughout our home buying process, Eric was incredibly helpful and accommodating. We had a somewhat tricky situation that other lenders were not able to handle but Eric and his team made it seem like no big deal. Eric is an all around nice guy, who really knows his stuff. He made ... READ MORE Amanda Parker Amanda Parker Director
I tried to refinance twice with a cash out with my existing mortgage company, with no success as it was not my primary residence. A friend recommended Eric and from the first phone call to closing was about six weeks. Eric made it happen and the only reason it took that long had ... READ MORE Linda H.
When I first met with Eric about getting into the real estate market, I was hesitant and unsure if I was financially ready for that big of a leap. Eric's calm demeanor and way of explaining mortgage specifics in a way I could understand eased my nerves and helped me realize how ... READ MORE Nick Welder Accounting Assistant
Eric was very professional and made the home buying process for me and my husband very smooth. He was always reachable and everything was done in a timely matter. We had an enjoyable experience and would highly recommend Eric. Kaity Brown Kaity Brown Analyst
I just purchased my first house using Eric. He was amazing to work with and I couldn't say better things about work with Eric. He answered the phone at any time to answer questions or concerns that I had. He also helped me understand all the intricacies of the mortgage I was taking ... READ MORE Wesley Williams Wesley Williams Sr. Financial Analyst and Happy Customer
Eric Miller is a knowledgeable and smart Loan officer that looks for the best options for his clients. He checks in and helps through out the process to make sure it runs as smooth as possible. You never feel out of the loop or ignored. He truly wants the best for the people he works with. Heather DeWitt
Eric is a true professional and takes pride in providing his clients with the best service possible. I would recommend Eric to anyone looking to buy a home in Colorado. Dan Charbonneau COO, Decollement Consulting
As an Insurance agent it is my job to make the insurance buying portion as efficient as possible for Eric's Clients. However one thing that Eric does is make the whole process of financing a home seamless and efficient! I have no reservations what so ever referring any of my ... READ MORE Jack McGinn Jack McGinn Insurance Agent with Country Financial
No issues, everything was on time and questions were answered quickly. Kyle McLean Associate Project Manager
My wife and i presented Eric with a challange and he really came through for us. Thank you Eric for making this process easy. He is very knowledgeable and very professional! Gracias por todo Eric! Rodolfo ortega Busy
I came to Eric with a short deadline and a mess of things. Buying a new house and a refinance and I needd everything in line to close in 3 weeks and he did it! He did and amazing job, was very organized and got us the best rates. He's very knowledgeable and was always trying to ... READ MORE Pyper Ortega Hmfic
Eric is prompt, friendly and professional. He was quick to find answers and create solutions that best suited what I was looking for. Don Jaramillo Sales Manager
Eric was professional, courteous and easy going. He is obviously a man who has a deep understanding of his work and an inner drive to help his clients get the loan that's right for them. Eric's unparalleled level of service,and accountability combined with his dedication to ... READ MORE Patrick Morris Claims Consultant
Eric did a wonderful job of walking me through the loan documents to make sure I had a clear understanding of the content, as well as being available at all hours of the day to answer questions. Amerifirst's use of technology makes the process simple from the time of application ... READ MORE Nicholas Mann Associate Project Manager
If you're looking for a mortgage loan, look no further than Eric Miller. He is knowledgeable and passionate about what he does and will make you his top priority. Trevor Wynn High School Teacher
Eric is a dependable man. He strives to put you into the best position possible with a home loan and while being honest about any obtacles that May be in the way. Full of answers for any concerns you may have and willing to help you achieve your goal by going above and beyond. I would ... READ MORE Billy Gibson Retail Manager
Reliable, knowledgeable, and very personable. I have no doubt that Eric will go above and beyond to provide high quality service. Morgan Laustrup Accountant
I highly recommend getting your next home loan through Eric. He is very dedicated. He answers his phone at anytime of the day. Eric is very knowledgeable, hard working, and gets the job done quickly and and smoothly. Carlos Gallegos Carlos Gallegos Communication Engineer

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