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.
2 days ago
Julio was great to work with. He was very communicative and made the refinance process smooth. I will be recommending him to friends and family.
May 13, 2021
Julio was recommended to us based on his trust worthiness and knowledge to handle our refinance. Julio did a great job and was communicative throughout the entire process. We highly recommend Julio for any refinance needs.
Apr 12, 2021
Julio was on top of things from the beginning, and was very helpful with getting us the info needed to make sure our loan was approved. Thanks again!
Dec 28, 2020
It was a pleasure to work with Julio on my recent home refinance. The process was seamless and closed in a timely fashion. I would highly recommend Julio for any home finance needs.
Dec 8, 2020
Julio was recommended to us to handle our refi. Julio did a great job and was communicative throughout the entire process. It was fast and easy. We highly recommend Julio for any refinance needs.
Dec 4, 2020
Julio is very knowledgeable, kind, and fast and great at what he does! have used him more than once and would continue to use his service!
Nov 15, 2020
Activities Coordinator
I previously refinanced with another company before working with Julio at amerifirst, and could honestly say that I wished I had just gone straight to you first! They were able to complete my refi within 2 weeks, and quite frankly it would have been so much quicker if I was a bit more computer savvy! Hence, I have nicknamed Julio as, “speedy” as he is lightning fast in getting things done. Julio and the team we’re patient, responsive, and answered every question I had about the re-fi process. You guys have been the best! 5 star rating all around, and I am so so happy with my interest rate! I highly recommend Amerifirst to all my friends and family!

Nov 15, 2020
First time home buyer
Julio is very friendly and professional with his work. He's very knowledgable in what he does, being able to answer every single one of my questions and keeping me out of doubt. No matter what, he will answer your needs within a reasonable amount of time. He will happily work for you and get everything done and will also walk you through every step. I would highly recommend for anyone and everyone to seek for his help.
Nov 3, 2020

We started trying to refinance our house with Wells Fargo but the process was very tedious and slow, it took more than two months to try to refinance. In addition, we were informed that the refinance would take longer. Our real state recommend us Mr. Zapata and we decided to cancel with Wells Fargo and start refinancing our house with Mr. Zapata. We are an investors and we have the knowledge of the process of a refining or purchase real estate. Mr. Zapata finished the refinancing of our home in one month with a lower interest and without any problems. From now on, all our financing or refinancing will be with Mr. Zapata.
Customer Service 10 ++
Nov 2, 2020
As a first time homebuyer, working with Julio was great. He made the process easy and answered all my questions very promptly. Thanks, Julio!
Oct 20, 2020
We recently refinanced our mortgage with Julio. It was the smoothest loan experience we have ever had. Julio did a great job communicating throughout the entire process and we got an excellent rate that we are very happy with. We would highly recommend Julio to anyone looking to refinance or purchase a home.
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.

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