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.
Jun 5, 2021
Program director
Cindy is a true professional and gets the job done efficiently and with great enthusiasm.
May 18, 2021
Words cannot explain how professional and amazing Cindy Hallas is. It is absolutely honor to work with her. She knows sign language and easy for communicate with both of us. Cindy answered all of the questions we had and made the loan process so much smoothly even for our first time home buyer. She is a 5 stars!!!
May 5, 2021
In a word...amazing! Cindy was always there for me anytime any day. I asked so many questions and Cindy was very knowledgeable and professional. I will be calling Cindy again in the future to help with all my lending needs. Thank you cindy and her team!
Apr 26, 2021
Working with Cindy and her Teams has been the best experience
Apr 14, 2021
Safety Manager
Cindy did a great job in facilitating the refinancing of our home loan. I would definitely recommend her!
Apr 13, 2021
ASL Consultant
Cindy was instrumental in getting us a great refinancing rate and working out the details of a complicated subordination process which eventually led us to being free of that shackle and still getting a great rate. She really works with you to make sure you get the better deal.
Apr 5, 2021
Cindy was great help and whent beyond what she could do to help us get the best options for us. She is driven on helping her customers, the best thing shes always there when ever you need something answered. Would recommend her in a heart beat!
Apr 5, 2021
Loan Officer
Cindy is a great loan officer to us. She is friendly and knows ASL (American Sign Language). We trust her because she is hard working on our house refinancing.... We are delighted to have her working on it for us. We appreciate her working so hard for us about refinancing on our house...

Smile and wink the eye
Apr 4, 2021
When I first had Cindy as my Mortgage Loan Officer, she's been a great help. She's really good and motivated in her work. I believe she really enjoys helping people. A few years later I was going to reach out to her wondering about a refinance. but kept putting off. Eventually she reached out to me and looked into it after giving her my ok. Just provide her some information that she needs from you and she would do the heavy work for you! You cannot go wrong choosing her as your Mortgage Loan Officer. I would strongly recommend her!
Apr 2, 2021
Cindy worked tirelessly to get our loan closed on time. I give her my highest recommendation. Two thumbs up Cindy!
Mar 15, 2021
Cindy is friendly, and professional! She and her teamed assisted me with my original home loan and again recently for a refinance. They knocked years off my mortgage and reduce my monthly payment as well. I would highly recommend Cindy and her team if you are looking to buy a home or refinance!
Mar 9, 2021
Cindy and her team are great to work with. Cindy was always available when I had questions and would update me with progress. She made my refinance an enjoyable process. Most of all she got my refi done quick and within the time frame we anticipated. I would definitely recommend her to others and would use her again.
Mar 8, 2021
Cindy was fantastic to work with. Delivered more than expected. Would highly recommend Cindy.
Mar 5, 2021
Cindy does a fantastic job. Not only does she have a lot of knowledge but she has a great attitude. She is always positive and upbeat. You know she is also always working for you since she communicates with you every step of the way. You can't go wrong when asking Cindy for help - I have done that multiple times and never had a bad experience.
Mar 5, 2021
Retired It was a pleasure to work with Cindy house and her staff that helped her process are refinan
It was a pleasure to work with Cindy Hallas and her additional staff. She was responsive to all our questions, dependable and reliable in accomplishing all the tasks to make our refinance happen in a timely manner. She is personable and easy to work with considering we were out of state clients.
Mar 5, 2021
Cindy has helped us with the financing of our house we purchased and refinancing it at a lower rate. We were kept informed on the progress and answered any questions we had. We had shopped around and Cindy had the best interest rate and a lower cost to refinance than anybody else. We would not hesitate to go to her again for a mortgage.
Mar 5, 2021
Cindy Hallas I was very pleased and satisfied with her help and expertise on my loan. Highly recommend her services.
Mar 5, 2021
I have complex financials, but Cindy got my loan done! The re-fi reduced my monthly payments more than 2,000!
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.

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