Cindy Hallas

Mortgage Loan Officer AmeriFirst Financial, Inc. AZ- 0916143 CA-DOC334571 NMLS334571
Daughter of a 35 year veteran police officer of the City of Phoenix. Cindy grew up knowing what is right from wrong. Waking up every morning with the integrity and the mind set to do the right thing and go to bed knowing it has been accomplished. The best interest in a mortgage transaction is always for the client.
Cindy Hallas started in the mortgage industry on June 1, 1998 when the industry was still based on the determination for mortgage qualification. Mortgages were qualifying only with full loan packages: 3 years tax returns, 6 months bank statements with at least 10% down payment and 6 months extra reserves in the bank. Presenting loan documents can make or break the ability to qualify for a mortgage. Don’t allow lack of experience or knowledge get in the way of you qualifying for a mortgage. Cindy has had the opportunity to take over many declined loan packages and turn them into complete purchase and refinance transactions with accurate information.
With a variety of loan programs and an established network of lenders, the best loan for your individual need will be found and placed for your best interest with a competitive rate and low closing costs. Conforming, JUMBO, FHA, VA, USDA Rural housing, and much more are available. Cindy takes pride in high touch and hands on dedication with each and every customer. She's available during the week, evenings, and on the weekends. Additionally, she will work with you directly, meeting at your convenience.
I also work with Real Estate agents coaching them with their own business, teaching to create business plan, help with their social media marketing and how to tap into their sphere of influence. I believe many people want to be successful if they know how to create opportunities. I thrive on creating ideas on how to use the resources already available.
Nov 25, 2019
Home owner
★ ★ ★ ★ ★
Cindy has done an outstanding job as she did a few years ago helping us to refinance the loan of our home.
Cindy, thank you.
Nov 19, 2019
★ ★ ★ ★ ★
Cindy Hallas did a wonderful job on working very hard on getting us a decent loan for our new house and got us a good interest rate plus mortgage. We are very happy with how things turned out. On the plus side, Cindy also knows ASL (American Sign Language) which is very beneficial for the Deaf and Hard of Hearing community that is seeking to buy their home. Which makes communication fluent and clear. I highly recommend Cindy Hallas as a Loan Officer.
Oct 15, 2018
★ ★ ★ ★ ★
Cindy was always very helpful, very responsive to our questions, contacted us right away, and always professional.
Oct 10, 2018
Buyer and Real Estate Agent
★ ★ ★ ★ ★
I highly recommend Cindy Hallas and AmeriFirst Financial for your lending needs. Cindy is diligent, knowledgeable, professional and always accessible. I recently closed on my own personal home, and as both the buyer and the agent in the transaction, I was extremely pleased with the high level of attention and service Cindy and her staff provided. From pre-approval through the close of escrow (3 days early!), the process was smooth and easy and I was kept well-informed every step of the way. Cindy is a true advocate to anyone navigating the mortgage process waters and I can't recommend her enough!
Oct 9, 2018
★ ★ ★ ★ ★
Cindy and her team were very patient, helpful, knowledgeable and personable. They helped me the entire process. I would recommend Cindy very highly.
Oct 5, 2018
Broker
★ ★ ★ ★ ★
Cindy did a great job of putting together the loan on the home I purchased in Phoenix. As a real estate broker I have had occasions to work with various loan officers and Cindy Hallas is one I recommend to use if you want the deal done right. Thanks Cindy.
Gerry Ball, a satisfied client.
Aug 6, 2018
Teacher
★ ★ ★ ★ ★
Amazing! She was a wonderful help from start to finish. Loved working with her and she was prompt and made this process very easy and straightforward!
Aug 3, 2018
Captain
I had a fantastic experience working with Cindy and her associates at Amerifirst. Many times I called or texted questions and I always received prompt returns and always to my satisfaction! I felt informed every step of the way! Thank you!
Jul 9, 2018
Buyer
Cindy was very responsive and always got answers when I had questions !! She’s great
Jul 9, 2018
Cindy is the best. Due to being co-signers on our daughters’ student loans, our credit was difficult. Cindy worked until she got us approved. She is knowledgeable and persistent, never giving up on us. She deserves your business!
Jul 2, 2018
Retired
★ ★ ★ ★ ★
I recently had Cindy write the mortgage to finance my new home. From the very start Cindy was excellent, knowledgeable, efficient, clear on what was needed and why. She has assembled a team of professionals that helped me through the entire process. Thank you so much Cindy!
Jun 29, 2018
★ ★ ★ ★ ★
Cindy and her staff were great! They were always available to answer our questions and concerns. Cindy guided us step by step through the entire process.
Cindy with her knowledge and the great staff that assisted her, were very patient with us as there were times that were very trying. I highly recommend AmeriFirst Financial! Thank you Cindy and staff!! We love our new home :)
Jun 19, 2018
Dr. Of Pharmacy
Cindy Hallas has been so precessional and helpful during entire time while I was buying my first home. She is very knowledgeable with process and alway there for me whenever I had questions.
I will go to Cindy when I buy next house too!
Thank you Cindy!
Jun 7, 2018
★ ★ ★ ★ ★
My loan process with Cindy and her AmeriFirst team was gratefully, stress free. Closing took less than a month. Unbelievable! I experienced integrity, acumen, dedicated customer service, tutelage, immediate resolutions. Cindy was my cheerleader all the way through. I highly recommend the professionalism and dynamite tenacity in Cindy Hallas with AmeriFirst. What an asset!
May 28, 2018
Customer Care Specialist
★ ★ ★ ★ ★
I am so thankful and satisfied with everything, the procesz was stressful, however Cindy and her team were amazing.
May 11, 2018
★ ★ ★ ★ ★
Cindy was great at communicating and very pleasant to interact with
May 8, 2018
Software Engineer
★ ★ ★ ★ ★
Cindy was very helpful and streamlined our house buying experience greatly!
May 1, 2018
★ ★ ★ ★ ★
Cindy and her team were amazing to work with! They always answered all my questions—even after work hours when I needed clarification. They work very diligently and are an expert in their field. Both posses a lot of knowledge and I always felt I was receiving the best service/rates/deals. I highly recommend Cindy and her team!
Apr 27, 2018
Cindy Hallas, and her team great and pleasant to work with, from beginning to end.
Apr 13, 2018
Cindy has helped us find the right home that we bought. She took time to explain procedures and we three of us have benefited from her help.
Apr 13, 2018
Cindy has been a big big HELP during the loan process. I would use her again if opportunity came again.
Apr 5, 2018
Teacher
★ ★ ★ ★ ★
Cindy was such a great help to me. This was my first home and she helped me to be completely stress free. She was always easy to contact for any questions. She worked quickly and accurately so that I felt absolutely zero stress. THANK YOU, Cindy. You're the greatest.
Apr 4, 2018
★ ★ ★ ★ ★
Cindy was so easy to work with! She was always available to talk and the communication was fantastic. She made the process incredibly easy and I never had any worries that there would be any delays because she was so on top of things. She also was very candid and made sure I had a realistic idea of what to expect. She made sure to keep me up to date at all times and I never felt out of the loop. Thank you Cindy!
Apr 2, 2018
Jessica Walker
★ ★ ★ ★ ★
Cindy is an amazing loan officer and person she walked me through everything step-by-step and was there through everything and made sure I ended up with everything I could possibly dream of she is the best you could ever find
Jan 27, 2018
Insurance Claim Specialist
★ ★ ★ ★ ★
Cindy was excellent! She helped secure my loan and I was able to close in well under the expected timeframe! She is extremely helpful, thorough, quick to respond and professional which helped make the process a lot less stressful. I will definitely recommend her to anyone in looking to purchase a home.
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My Associations

AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright 2019. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Visit https://amerifirstloan.com/pages/state-licensing for all states licensed information. Visit NMLS Consumer Access at https://www.nmlsconsumeraccess.org/,