About Sophie Pappas

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.

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 / 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.

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.

See What People Are Saying About Us

Sophie was extremely helpful in obtaining our mortgage for our second home. Her professional communication and quick response time were exceptional. I would recommend her services to anyone in a similar situation. I have found all of the Spire Financal officers to be first rate. Jessen Gregory Perko
Sophie was very knowledgeable about every aspect of the refinancing process. She was extremely attentive and quick to respond to every question along the way. The paperwork was almost effortless with her guidance. Fortunately, the loan closed in a very short period of time with zero ... READ MORE stephanie downing homeowner
Working with Sophie and her team has been such a delight. It is a wonderful experience to work with such kind and helpful people. They made every step of the process so easy to navigate and complete! My family is so thankful! Mary Lueck
Sophie made the entire process of lending incredibly seamless. From simple communications techniques (texting, quick phone calls, Zoom meetings) to discuss ongoing items of interest, to making me feel like I was in focus 24/7 during the lender process. Sophie would answer questions and ... READ MORE Ian Kaufer Ian Kaufer Systems Engineer
Sophie and her team are simply the best; I can't recommend Spire Financial enough. Sophie is incredibly personable and thoughtful when it comes her personal and professional relationships. She is very knowledgeable about mortgages and I highly recommend using her for any of your ... READ MORE Katherine Gowdey Realtor
As a 23 year old, navigating the world of purchasing a home can be daunting and stressful. From the moment I had my first meeting with Sophie I felt at ease. She took the time to describe to me key concepts and phrases that I would encounter throughout the process, making me an ... READ MORE Oliver T Software Analyst
Sophie and her team were knowledgeable, professional, efficient, timely and effective in refinancing a rental property for me. She was willing to spend time educating me and aggressive working through a few bumps in my process, which almost any loan has. If you are buying a first or ... READ MORE Ryan Slaughter Insurance Agent

Let's accomplish more together.

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