My wife and I had the pleasure of working with Cindy as we built our dream home. The lending/underwriting process was laid out very clearly from the get-go which made for one of the easiest home purchases we've had. Cindy was quick to reply to multiple emails/phone calls and text messages and she really went out of her way to answer any and all questions we had during the process. While we know we weren't her only clients, we never once felt like "one of many". She was always well-apprised of the home build status and we never once felt like we had to get her "caught up"- it literally think she read through our loan application every time before she would call or email- she keeps track of her stuff and in an industry that can be volume-driven, she made us feel like he only client.

Joshua Carroll

Homeowner
Jul 28, 2017

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. Donโ€™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.
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.
Jul 8, 2020
Cindy Hallas did a excellent job handling are refinancing I would highly recommend Cindy she is willing to work with you and always there for you at anytime to help you when you need assistance Cindy also had a excellent team that worked with her and you we highly recommended thank you so much to you and your team
Jun 26, 2020
National Defense, Propulsion
Cindy is our go to and has been for twelve plus years.
Some great things to know about Cindy, if you have a question she will answer it or get the answer without delay.
Cindy will answer her phone 99% of the time and if you do have to leave a message she has always returned my call shortly.
She is a true professional and a master at what she does.
Jun 26, 2020
This is the second time we have used the services of Cindy Hallas and Amerifirst. We did our original home purchase and then a refi several years later. Both times were seamless and efficient. Communication was excellent. I’d highly recommend both Cindy and Amerifirst Financial.
Jun 16, 2020
Cindy Hallas was amazing to work with. She took stress of refinancing a house out of the equation. Cindy was very attentive and easy to get into contact with. Cindy was there every step of the way and always made sure we understood the steps and process. I recommend Cindy to my friend and family for future services!

Thank you Cindy!

Justin & Lauren Iwen
Jun 12, 2020
Senior Oracle Applications DBA
After a considering several past mortgage lenders I ended up going with Cindy at AmeriFirst Financial. As I have purchased over 6 homes in my past 20+ years, she was absolutely wonderful in helping me secure the mortgage at a better rate than all the other past lenders I have utilized, providing great advice, and always looking out for my best interest while giving great service throughout the process. I would highly recommend anyone that is buying a home to use Cindy and her team. Will absolutely use Cindy at AmeriFirst Financial for all my future mortgages.
Apr 29, 2020
Cindy did an excellent job when refinancing my home. She was always polite and courteous and wanted to make sure all my questions were answered, and had my best interest at all times. I'm not the best at navigating my computer haha. She helped me through that difficulty as well. I would highly recommend Cindy Hollis.
Apr 28, 2020
Small Business Owner
Cindy was great to work with. From the time I first spoke with her up to closing, was about a 4 month process, and she didn't force us along. She worked with my schedule and situation, and she was always available to answer questions when I had them. She got us into the home we've been saving for, and couldn't be happier. Thank you Cindy.
Apr 26, 2020
Cindy was awesome!! This is the second time Cindy has helped us out. With the COVID-19 going on everything was done with the thought of the customer and what we were comfortable with. Cindy text me several times to make sure dates and times were alright with someone coming to the house so we could sign papers. If I ever buy or refi another house, I would definitely use Cindy again.
Apr 15, 2020
Owner
We recommend Cindy for other deaf people because she can sign and commution with deaf people thank you for your help. Good job
Apr 14, 2020
Owner
I recommended Cindy’s Hallas to all deaf and hard of hearing to use Cindy for your loan approval or buying a house. Because she can used sign language. Thank you CindY for your work and your company. Carol and Betty.
Apr 14, 2020
New Homeowner
Cindy Hallas is the consummate professional. Her Superior communication skills complemented her enthusiasm and dedication to getting the job done, namely closing my loan. I cannot overstate the wonderful effort she gave to me during this especially trying time in our country. ๐Ÿ‘๐Ÿ‘ to Cindy; thank you for a job well done.
Apr 3, 2020
real estate agent
Cindy has done another outstanding job for us with the refinance of our personal mortgage loan. She is knowledgeable and meticulous and so friendly to work with. Cindy makes the process quick, streamlined and so easy. She and her team are simply the best!
Dec 16, 2019
Cindy did a great job finding the best Mortgage solution for my family. Cindy offered options along with financial numbers to help us make the best decision.
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.

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