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.
Jan 25, 2021
Cindy was a great help in approving and closing our mortgage. She was a real professional and a pleasure to work with. We highly recommend Cindy.
Jan 19, 2021
★ ★ ★ ★ ★
Cindy Hallas went above and beyond to procure a family property for us. She is quick to respond and anticipate everything in the process necessary. I would 100% recommend Cindy, in fact I already have, and I would work with her again. I was very blessed to work with Cindy Hallas. Thank you!
Jan 11, 2021
★ ★ ★ ★ ★
My wife and I have now had the pleasure of working with Cindy Hallas twice. Cindy is always prompt to answer any questions or concerns we have and is always professional and upbeat. We proudly recommend Cindy Hallas
Jan 4, 2021
★ ★ ★ ★ ★
Cindy went above and beyond with this re fi....we even had to put it on delay for 4 months but she got right back on it and now I no longer am in an interest only modification Thank you Cindy Happy Happy New Year
Dec 10, 2020
★ ★ ★ ★ ★
Cindy and her team were instrumental in a quick and easy refinance process. They sent me an email of what i needed, I collected the documents, if anything was missing I was informed immediately and it was taken care of. I was kept informed of the status of my refinance without having to ask. I highly recommend Cindy and her staff.
Dec 10, 2020
★ ★ ★ ★ ★
I enjoyed communicating with Cindy Hallas in the securing of my loan. She was courteous, responsive and informative. She was able to explain things in a manner that I could appreciate and understand. Finally, she was sociable and down-to-earth which allowed for a wonderful rapport.
Dec 8, 2020
★ ★ ★ ★ ★
Cindy and her team made our whole refinance process easy and hassle free. We had attempted using another company, but had nothing but trouble with them. We were referred to Cindy by a family member and I am so happy we contacted her. The communication from her team was prompt and friendly, and they were there to help every step of the way. I am so grateful for Cindy Hallas and her team and have no hesitation recommending them to family and friends.
Dec 7, 2020
I was recommended to Cindy and her Team by a family member, so my expectation was that they would do a great job with my re-fi. I am very happy to say they went above and beyond those expectations. Everything was very easy to fill-out, pay for, and understand. The process moved quicker than I expected, and exactly at the pace that Cindy had promised. Whenever I had a question or requested change or modification to something it was responded to that day nearly every time, and by the next day at the latest. I'm glad I was referred to her!
Nov 28, 2020
Field superintendent
★ ★ ★ ★ ★
I can not say enough good about Cindy and her team. She makes things happen and she makes them happen fast. Cindy communicates through the whole process and obviously cares about what she does. She made things very easy to understand through the whole process and if we didn't understand something we did before the end of our conversation. Thank you Cindy and team.
Nov 24, 2020
Retired RN
★ ★ ★ ★ ★
Cindy helped me with online issues that I needed to complete, as well as keeping me informed during the refinancing process. She is there whenever you need her and her assistant Ann is also great. I highly recommend Cindy to handle your refinance!
Nov 20, 2020
★ ★ ★ ★ ★
This is the second time I have used Cindy for a mortgage. Cindy is always on top of things and always available if you need something. Her and her team got both mortgages quickly and efficiently. I will certainly use her again for my next purchase!
Nov 17, 2020
Customer
★ ★ ★ ★ ★
My wife and I have worked with Cindy on two occasions, when we purchased and later re-financed our home. On each occasion we not only appreciated Cindy's expertise and professionalism while she assisted us, but we also appreciated her efficiency, responsiveness and enjoyable personality. In short, she not only did her job well, but she did it in a way that helped us to have an experience that has us wanting to continue working with her. We couldn't recommend her enough and consider her to be our Loan Officer of choice.
Nov 13, 2020
Homeowner
★ ★ ★ ★ ★
Cindy is one of the BEST mortgage loan officers I've ever worked with! I chose her over several other mortgage financers because of her creativity to use her knowledge and experience in achieving the best scenario with what she had to work with (i.e., my credit score, financial goals, and property value). She was able to give me a very low interest rate, convert from FHA to Conventional, get cash back AND lower my monthly mortgage by $300!! I also chose Cindy because she is SOOO personable. With Cindy, you feel like you are speaking to a friend who wants what's best for you instead of a lender who you might be skeptical about in the back of your mind. Some loan officers get irritated when they have to change the paperwork, but not Cindy. She was so flexible, patient, and supportive when I changed my mind to get a cash out and I still wanted to meet my other 3 goals. Lastly, I absolutely appreciate the weekly Friday e-mail updates from Cindy. She covered the status of the loan, what to expect next and what actions I needed to take. This communication is priceless - especially when you are left wondering how to budget your finances for your mortgage payments while the loan goes through. I'm so grateful that my sister recommended Cindy to me and I HIGHLY recommend her to YOU!
Nov 10, 2020
Executive Director, Clinical Services
★ ★ ★ ★ ★
Cindy is wonderful. Her and her team take care of everything and make the process extremely simple. Cindy is careful to make sure her clients understand each part of the process and is patient with questions and concerns. She works hard to make sure that the client is getting the absolute best. We will certainly work with Cindy in the future.
Nov 2, 2020
★ ★ ★ ★ ★
Cindy was great - responsive, amenable to dumb questions, always answered with a smile. Very transparent and forthcoming with information and I never felt she was hiding anything. Most importantly, when the deal was done, everything was done as she had stated, there were no surprises. Highly recommended.
Oct 19, 2020
General Manager
★ ★ ★ ★ ★
Cindy has once again exceeded all our expectations in handling the full loan process. We Definitely Will recommend her and her team for any future financial dealings. JL.
Oct 7, 2020
nurse
★ ★ ★ ★ ★
To whom it may concern, Hi everyone I want to tell you my story & how Cindy not only helped me, but walked me through the process & emotions of buying my first home ever!
I was renting a property that I liked; the location was great, and I had been there going on 3 years; I was doing a month to month lease. One day the owner decided to sell the property. I was absolutely devastated to say the least. I was given 60 days notice before I had to be out. I called a friend who is a realtor, and to make a long story short, she reached out to Cindy whom she had worked with before. Cindy was told my situation and called me the next day. She immediately began working to see what she could do. Cindy was able to obtain a mortgage for me that was right for my situation. She walked me through understanding the paperwork and the financial side of being a new homeowner. Cindy was very patient with me and understood all the emotions I was dealing with i.e., Joy, excitement, fear, worry, happiness, all of the above because she knew this was one of the most important decisions of my life.
Cindy is very caring person and wants people to succeed in their life journey ; I highly recommend her; she will be in your corner and assist you every step of the way!
Oct 2, 2020
★ ★ ★ ★ ★
Cindy was amazing throughout the entire process. She kept me updated every step of the way. I would recommend Cindy to anyone.


Sep 26, 2020
City of Phoenix Employee
Cindy was fantastic!! She kept me in the loop every step in the process. I appreciate her outgoing and caring personality. Cindy is a true asset to the organization. I will definitely recommend her services!

Thx Cindy!!

Deb Wehr
Sep 7, 2020
★ ★ ★ ★ ★
Cindy did an awesome job.m for our Refi. She kept us informed throughout the process and we couldn’t have asked for a better experience!
Aug 25, 2020
CEO
★ ★ ★ ★ ★
Cindy is exceptional at what she does, the ability to leverage her knowledge of the mortgage industry to creatively solve client needs is unmatched!
Aug 10, 2020
★ ★ ★ ★ ★
Cindy and her team were friendly and efficient and made the mortgage refinance process as painless as possible. Most importantly, we could tell that Cindy was vested in ensuring that our refinance would meet our needs. We never once in the process had to wonder what would happen next because we received regular updates regarding the status of the process. I would recommend her team to anyone who needs a mortgage or refinance.
Aug 7, 2020
Managing Director
★ ★ ★ ★ ★
Cindy works tirelessly on her client's behalf. She is a great communicator and responds quickly. Even when Cindy is at her busiest, you feel like you're her top priority.
Jul 10, 2020
Associate Warden of Operations
★ ★ ★ ★ ★
Cindy and her crew did an awesome job. The wait was painful but necessary. She kept us informed the whole way and we were able to put our trust in her. She came through like a rock star!
Jul 9, 2020
Retired
My wife and I have had the pleasure of working with Cindy Hallas for both an original mortgage (in 2016) as well as our recent mortgage refinance ( July 2020). Cindy has been an outstanding professional, very competent with her venue and yet a friendly voice that makes going through the process of a mortgage a pleasure. We highly recommend Cindy as a seasoned agent that will take the time to actually listen to your needs, offer her professional suggestions, recommendations and yet faithfully execute the client's directions. Would we reach out to Cindy in the future for any of our mortgage-oriented needs? Absolutely yes.
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AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. © 2021. 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. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Visit https://amerifirstloan.com/pages/state-licensing for all state licenses information. Visit NMLS Consumer Access at https://www.nmlsconsumeraccess.org/