Julio Zapata

Sr. Mortgage Loan Officer AmeriFirst Financial, Inc. NMLS #720763; AZ LO-0921587; CA-DOC720763
Corp NMLS ID #145368; AZ BK #0013635; CA License# 4130901

Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act Equal Housing Opportunity Lender


Thanks for the opportunity to assist you with the financing on your home. If you are going to work with someone it only makes sense to work with the best. Working with a great mortgage consultant makes all the difference in obtaining the best loan product. I am a credit expert and have extensive knowledge in Conventional, FHA, VA, USDA Rural Housing, and many other mortgage loan programs. Communication with my clients and agents is my #1 priority; with me you will get straight-forward, honest answers every time.
Jun 5, 2020
We have worked with Julio several times and he has always been a pleasure to work with. His level of expertise and communication has always been excellent. I would highly recommend Julio and would work with him again.
May 26, 2020
Julio was great start to finish. Everything went smooth and easy. We saved alot on the refi going with Julio and Amerifirst. Thank you!
May 22, 2020
Julio has helped me out twice with financing my home. Both times he was very professional, clear and concise with the information, and made the process very easy. I would recommend Julio to anyone looking to purchase a home or someone looking to refinance.
Mar 24, 2020
Voce President of Programs and Operations
Julio is awesome! he made the home buying process flawless and I closed on the date he quoted me from the beginning of the transaction. During the process, he looked out for my interest to ensure I understood the homebuying process , and he was very available to answer any questions regardless of the time. I would definitely referred anyone to him who is looking to buy a home and need a experienced loan officer who dedicated , and completes the task in a timely manner. Thank you Julio!
Mar 20, 2020
Julio has been very helpful throughout the whole process , he helped us with our first loan and now with our Refinance. I would definitely recommend julio to my friends and family.
Jan 14, 2020
Julio was great to work with he stayed on top of everything for me and really worked hard to help me finance my home. I’ll recommend him any day to anyone who thinks they cannot purchase a home or if they have been told previously that they couldn’t do it (like I was told). He is the best!
Nov 25, 2019
6th Grade Teacher
Thank you, very professional, everything was done quickly without any problems!
Aug 2, 2019
Chandler Evans
Very professional and made sure I was comfortable with every aspect during the process.
Jul 31, 2019
Business Owner
Julio, I Love my new home. just wanted to Thank yo for your patience, time and perseverance on our home loan. My credit was not perfect, yet you walked us through every step to make sure everything was done right. Now I don’t just have a beautiful home I also have really good credit. You and RJ make a great team. Thank you again. I will definitely recommend you 100% to all my family,friends and anyone looking to get a house loan.
Jul 30, 2019
Law Enforcement Officer
This was hands down the most streamlined house buying process I have ever had. I’ve bought a few homes over the years, but by far Julio Zapata has stood out amongst the other lenders I’ve done business with. Julio guided me every step of the way and constantly kept me updated. I would totally recommend Julio to all my friends, family and acquaintances. Thank you for everything you did for my family and I.
Jul 26, 2019
Julio was awesome to work with! Julio is very knowledgeable and made the process of buying a home so easy. He is very prompt and he even responded to my questions during the weekend. I would highly recommend Julio Zapata.

Feb 21, 2019
Julio was very professional and concise well helping us purchase our forever home. He was able to explain everything and made the transition as smooth as possible.
Feb 2, 2017
PM Academia
Very pleased with the expeditious and courteous manner in which our re-fi was managed by Julio. Quick, concise, and error-free.
Oct 11, 2016
Julio is an excellent lender. I have used Julio many times over the years and will continue to keep using him as often as possible. What I love the most is that Julio treats my clients awesome and walks them through each step of the process. My clients love the fact that if they have any questions or concerns they can ask Julio and he will explain or help them get what they need. Julio also keeps me up to date through the whole process with my clients so I can keep the other agent and title informed. I love that I don't have to call to get updates all the time and wait for responses. I've worked with many lenders through my years of real estate and Julio is definately my lender of choice and I will continue to spread the word about how awesome he is.
Oct 7, 2016
CEO of the household
Julio did a wonderful job providing excellent service for a refinance and a new VA loan at the same time. He helped make things run smoothly, was always on top of any changes, and was very knowledgeable and helpful during the whole process. He answered any questions in a very timely manner. He always returned calls, emails and/or texts quickly.

We appreciated all his help and will use his services again in the future.
Oct 7, 2016
Julio did a great job getting our loan processed in a timely manner
Oct 4, 2016
Julio did a great job working with us to find a loan that met our needs. He turned around all the approvals quickly and kept us on track to hit our targeted closing date. This was my 3rd time working with him and I would do it again!
Sep 28, 2016
I couldn't ask for a better Loan Specialist like Julio. He is very helpful and gets to the point. He is a true professional and a bit of a workaholic, I think, lol. Julio returns calls, emails, and/or text in a timely manner to answer all your questions. Thank you Julio and keep up the great work!
Sep 27, 2016
Coach operator
Julio got me refinance..i triwd 2 different places before him and was deny..he got me qualify and closed in 30 days.thanks julio for your imput..
Sep 26, 2016
Newer home owner
I've owned my first home for a few years now. I received an offer from my mortgage company for a refinance. Per a recommendation from my family I contacted Julio to see if he could beat the offer. He not only beat the offer but created a very smooth and painless refinance process. Thank you Julio!
Sep 19, 2016
Accounting Specialist
I am a first time home buyer and I couldn't have asked for a better Team to assist me in what could have been a very stressful time.

Julio was very informative and answered any questions I had. He took the time to explain things in a way that didn't sound so confusing. He walked me through certain situations and scenarios and made my experience so much simpler and smoother than I had expected it to be. I gave him the date I wanted/needed to move out and he assisted me in every way possible to make the move happen on time and even kept in touch asking how things were going.

I have already recommended him to two family member and a friend. I have more family looking to move and I wouldn't even hesitate to hand them his information.

I am grateful to have had such a knowledgeable Team by my side to assist me in such a monumental moment in my life.
Sep 19, 2016
Julio Zapata gave me great communication. When he needed information he would contact me immediately and kept me up to date on all things happening to my loan.
He is an excellent mortgage loan office. He processed my loan quickly and is a great person. Thank you for everything
Sep 19, 2016
Portfolio Service Specialist
Very helpful and thorough. Made a very difficult and anxiety ridden process much easier. Gave constant support and explained every step. Very professional.
Sep 19, 2016
HR Senior Consultant
This is the second time I used Julio Zapata for my mortgage. Both times, he did an outstanding job at keeping me well informed and communicating everything throughout the process efficiently and timely. He is knowledgeable regarding all mortgage programs and I view him as a trusted adviser. Julio recently reached out to me for a refinance on a purchase from last year and he continued to be responsive and informative. I recently closed on my refinance and I have him to thank in not only saving me money but providing my worry and hassle free service. I couldn't think of using anyone else. Julio is and will be my mortgage guy.

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