First Rate Team Powered by AmeriFirst Financial, Inc.

As a company focused on purchase business, we strive to become the lender of choice for real estate professionals across the country. In order to gain and keep the trust of our referral partners and their valued clients, we make it a priority to hire the industry's best talent. Our culture is built on pursuing excellence - the AmeriFirst professional has a desire to be the best, to keep improving.


Recommendations (32)

Aug 3, 2018

Alicia Norton recommends Noel Kelman

Homemaker/small business owner

Refinancing or buying a home is one of the biggest decisions you will ever make, and there are so many people that can help guide you through that journey, but none quite like Noel. Noel really took the time to get to know us and to understand our needs. She was knowledgeable, efficiant and always available to answer any of our questions. Some how she was able to take a stressful situation and make it an absolute dream. Thank you Noel! You and your team are heads and shoulders above the rest.
Aug 1, 2018

Miguel Padilla recommends Noel Kelman

Acquisitions Agent/Investor

Noel has been working with my family for over 5 years. When it was my turn to buy a house, my family said look no further than Noel. She made life easy during a very difficult process. I look forward to working with her again
Mar 26, 2018

DeAnna Pitman recommends Noel Kelman


Noel met all of our needs! Her extensive knowledge of the industry provided us with up to date interest rates and options on refinancing. Our loan was completed quickly, on time and with no problems...all due to Noel's help. I highly recommend her if you are buying a home or refinancing an existing one!
Mar 4, 2018

Christopher Foster recommends Noel Kelman

Working with Noel was extremely pleasant. Having never bought a house before we were confused, directionless, and kind of scared. When Noel starting working with us our anxiety quickly went away. She was extremely professional, positive, and reassuring. One thing that stood out was that she anticipated all our needs and questions beforehand. It made the entire experience go very well for my wife and I. We are honestly in her debt. Because of her optimism, patience, and extreme diligence we definitely recommend her. My wife thinks she’s a rock star!
Feb 16, 2018

Erika Gonzalez recommends Noel Kelman


I could not have had a better experience purchasing my first home with Noel’s help! I always had so many questions and Noel made everything easy for me to understand and made this process less stressful. I appreciate her expertise and her patience.
Feb 12, 2018

Virginia Espinoza recommends Noel Kelman

Registered Dental Hygienist

Noel is by far the best broker for Home buying I have ever met. Buying a house is a stressful process and there is so much information that to the regular person is hard to understand. But with Noel, nothing went unexplained. She takes the time to walk you through each document if needed. She is reliable, prompt and above all kind and understanding when it comes to helping her clients. I have recommended her to various friends and family. She will always remain in my contacts as person I can reach out to should I ever have a banking/home loans.
Feb 6, 2018

Stephen Chikasawa recommends Noel Kelman

Stephen Chikasawa

Noel did an amazing job helping me out with this mortgage loan. She helped me step by step so I knew exactly what was going on. I would highly recommend her to my family and friends!
Feb 6, 2018

Francisco Macias recommends Noel Kelman

This is the second time we have used Noel and her team. They provide a great service and are very knowledgeable. They always kept us updated and informed on the status of our loan. They answered all our questions and emails in a promptly manner. Noel and her team are courteous and polite. We felt as though we were being treated as family and not just a number. I highly recommend her !
Jan 15, 2018

Tina Ross recommends Noel Kelman

Noel is such a wonderful person to work with! She is always available, kind, and works to keep her clients best interests at heart. I can't recommend Noel enough! Thank you Noel for making the refinance of my home so very easy and smooth! I look forward to working with you again!
Dec 20, 2017

Julio Chan recommends First Rate Team Powered by AmeriFirst Financial, Inc.

Finish Carpenter

We met Paul about 18 years ago when we bought our current house.
2 months ago, my wife and I decided to refinance our home and found his phone number. We decided to call him since we remembered how professional and easy he had made the first process of buying our home.
Paul has always been friendly, and always checked in with us during every step of the refinance. The whole First Rate Team made our home refinance possible.

Thanks Paul!
Dec 20, 2017

Micvhael Bennett recommends First Rate Team Powered by AmeriFirst Financial, Inc.

Business Owner

Paul and his team helped us through the refinance process and provided answers to all our questions making a difficult and time-consuming task as painless as possible.

If you have any financial needs then call Paul for a worry free experience.
Dec 8, 2017

Geoffrey Klotz recommends Noel Kelman


Noel is by far the best mortgage loan officer we have ever worked with. We highly recommend her for any home financing needs.
Nov 27, 2017

Paige Rothermel recommends First Rate Team Powered by AmeriFirst Financial, Inc.

VP, GM Anthem Blue Cross

Mary has been a great lender. In the last 20 years, we have used her to support multiple property purchases. She is supportive and makes the process of buying a home simple and easy. Thank you, Mary!
Nov 15, 2017

Michael Drewry recommends First Rate Team Powered by AmeriFirst Financial, Inc.

Mary is very proactive in communicating regarding our loan status. She is very clear and detailed in how the process works at every step.
Oct 31, 2017

Jose Hernandez recommends Noel Kelman

Retail Professional

Noel is an amazing person. This was the second time that my wife and I have worked with her. She is very friendly and always looking out for the customer. I strongly recommend her if you are out and about looking for a home loan or refinance.
Oct 30, 2017

Frank Rook recommends First Rate Team Powered by AmeriFirst Financial, Inc.

Records Coordinator

Tim Dunigan really helped when both buying our home and when we refinanced years later. When refinancing, some issues affecting our work status changed right before closing and Tim was able to adjust quickly to the new circumstances and was able to still get the refinancing. He and his team were friendly and efficient and timely in their communication. He knows the various refinance options and does his homework as to which option best fits our needs.
Oct 23, 2017

Debbie Puente recommends Noel Kelman

I just finished my THIRD loan with Noel and wouldn't use anyone else! She's the best! She is always cheerful and very professional. I highly recommend Noel!
Oct 17, 2017

Mark Barrett recommends First Rate Team Powered by AmeriFirst Financial, Inc.

Engineering Geologist

I have known him for over 20 years and I will only do a loan with him. I trust him and I know he has my best interests at heart. Besides, he is one of the funniest guys I know. If you are considering a home loan or want to refinance your current loan, please call Tim. He will take care of you.

Mark Barrett
Oct 15, 2017

Douglas C. Vey recommends First Rate Team Powered by AmeriFirst Financial, Inc.

Letter Carrier

We had a difficult time finding a mortgage because of housing prices in Ventura County. Paul was able to work with our problems and help get us into a condo that suited my disabled wife's needs. He moved mountains to get it all done in a very fast moving escrow. We wouldn't have our home without his very long and tireless work on our behalf. I can't say enough about him. Thank you

Douglas C Vey
Oct 12, 2017

Mark M. Stewart recommends First Rate Team Powered by AmeriFirst Financial, Inc.

Attorney At Law

I have known Tim Dunigan for forty years. He has handled two refinances for me and they were both smooth transactions. I have referred many friends to Tim and they have had nothing but good things to say about working with him. Tim is personable, honest, and knowledgeable. I trust him like a brother and could not recommend him more highly.
Oct 2, 2017

Connie Fandino recommends Noel Kelman

Home buyer

Buying a home you love and fearing you might lose it to a mortgage denial is the first AND hardest part of an escrow.
Noel called me and outlined what I had to do to get this home. She was always supportive, organized me and never let me utter a single negative word.
She had my loan paperwork AND financing done in the shortest time I have ever seen.
She was the team player that kept communication with the mortgage company, realty agent and escrow into a quick painless transaction.
We closed in less than thirty days!!!!! She is more than perfect she is your advocate.
Sep 17, 2017

Adolfo Venegas recommends Noel Kelman

Support supervisor

Noel.... it's the a bar to raised Noel is the bar. Very glad to have had her in our team while going through this home buying experience. Having people like her on our side makes it easier she would go out of way to answer any questions we had at any time, love her.
Aug 15, 2017

Astrid Virding recommends Noel Kelman


I have had the pleasure of working with Noel Kelman for more than 10 years, with financing, refinancing, and being informed through her newsletter of changes in the financial market. She is courteous, professional, up beat, and always willing to find solutions. I recommend Noel to my friends who are looking for a mortgage broker who knows the ropes.
Aug 15, 2017

Humberto pimentel recommends Noel Kelman

Business owner

Noel Kelman is by far the best at what she does. Noel was very helpful with the process of buying my home. She made a very stressful home buying process less stressful and rewarding. She is informing, understanding and works with the client to best suit there needs. I highly recommend her. She is very professional and is very good at what she does. Thank you so much.
Jun 26, 2017

Maria Hernandez recommends First Rate Team Powered by AmeriFirst Financial, Inc.

clerical secretary

David and his team were fantastic. We had a refi turn into a race to get done quickly and David and his team stepped up and knocked it out of the park. We will continue to use David for all our mortgage needs. He always delivers what he promises.

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