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After graduating from the United States Naval Academy I served as an Officer in the Navy for just over six years. When it came time to leave the service I sought out an industry, and more importantly a company, that aligned well with the traits and values I gained during that time. I joined The Spire Team at AmeriFirst Financial Inc. because it is truly a family environment centered on providing our clients with the best service in the industry. I’m proud to be a part of such a great team and in a career that I can still continue to be a resource to the community around me.

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 / 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.


Tim was absolutely wonderful! He communicated very clearly with every step of the process and was on top of everything to get us to closing in 3 weeks. Susan Showalter
Tim was great to work with. I spent over 9 months looking for a house and Tim stuck with me the whole time. I appreciate his patience throughout the process. He was also very responsive and always got back to me quickly about any question I had. Not only that but I got a lower rate ... READ MORE James Doss Sales Manager
Tim was great! Always very responsive and very quick. I had a lot of questions as I was a first time home buyer. Tim took as much time as needed to clarify and questions I had. Sheila Sweeney Sheila Sweeney Homeowner
As first-time home buyers, my husband and I had no idea where to begin the undertaking. We attended one of Tim's free seminars to learn more, and immediately felt at ease thanks to Tim's knowledge of the entire mortgage process and understanding of our full financial situation ... READ MORE Caitlin Martz Streams Caitlin Martz Streams First-time Home Buyer
Tim does an excellent job of communicating with his clients, trouble-shooting and problem solving. He is diligent about doing what is necessary to provide the best possible service and getting his clients to the closing table with minimal disruption. I would rexommmend him for his ... READ MORE Pamela Puchino
Tim was absolutely awesome. He kept us in the loop at all times, and we never felt lost or like we didn’t matter at any point in time. To close on our house, Tim took it upon himself to actually go to the VA office when they told him our loan did not take priority. We closed that ... READ MORE Adam Thompson
Tim consistently went out of his way to ensure that he was available to my wife and I at all times throughout the home-buying process. His knowledge, availability and timeliness were invaluable. While our mortgage qualification status was far from simple, Tim made sure that each step ... READ MORE Joseph Latta Student / Navy Officer
Tim and his team made the ENTIRE process so smooth and stress-free! (Not to mention we closed in 21 days!) Not only was Tim and his team the utmost professionals, their amiable personalities made it the entire experience completely enjoyable! I DEFINITELY recommend Tim (and am ... READ MORE Joseph Choi Director of Operations
Tim and his team were absolutely INCREDIBLE throughout the entire home buying experience! We are first-time home buyers and had absolutely no idea where to start when we were ready to find a house-- a daunting feeling, to say the least. Tim was always available when we needed him and ... READ MORE Jenny Thornton Clueless first-time home buyer
Tim was a pleasure to work with. He was always available to answer any questions I had. He was on top of making sure everyone had all the information and paperwork that needed to be taken care of. We asked for a 20 day close around a holiday and he finished with time to spare! Tim is a ... READ MORE Dana Fisher Dana Fisher
Tim was super responsive and helpful throughout the entire process of getting my first homebuyers loan. He always answered any of my silly questions and gave clear and concise explanations. Tim is the best! Robert C Margolin-Ross Software Engineer
Tim was very responsive to our requests and helped us work through the best loan option for our family. He was very professional and easy to work with. We would highly recommend him for your next home loan! Jesse Dean Mechanical Engineer
From the get go he was always fully engaged and made us feel like we were his only clients. He took the time to explain conditions which were new to us in this process. He is very knowledgeable and we felt he had our interests at the forefront. Gary Rackov Buyer
Tim has amazing initiative and follow up. The responsiveness and care he has for his client relationships goes over and beyond. I was honored to use Tim as my Loan Officer on my most recent refinance and would gladly do it again! Thanks Tim, looking forward to our next transaction together!!! Abby McDaniel Senior Loan Officer
Tim was awesome. He went above and beyond . Debbie Steenrod Retired
Tim Tacl went out of his way to help us understand the nuances of VA loans and walked us through the entire purchase process. Without his help, we would not have been able to purchase our dream home. Thanks, Tim! Whitney Shiflett

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