Mike & Gayle Lynch

Branch Managers | Mortgage Loan Officers AmeriFirst Financial, Inc. NMLS #230189, NMLS #351267 CA BRE #01275301
Our team has been serving our Northern California clients for 17 years. We don't see a mortgage as just another loan. We consider it an important financial decision that has a direct impact on your future wealth. We believe that getting the right mortgage to fit your long and short term financial goals is critical.

We have the knowledge, resources and experience to work with 1st Time Home Buyers, Seasoned Investors and everyone in between. We take the time to listen to you and advise you on your options. With our ability to work with and understand almost any mortgage need, we can help you make the best decision for you and your family.
Pinned Recommendation
May 12, 2020
Retired
★ ★ ★ ★ ★
What a pleasant experience with the Lynch family where professionalism and graciousness prevail. Dealing with them is simple, direct and enjoyable. I appreciate the attentiveness and proactive way they conduct business. I greatly recommend them to anyone who wants accurate and timely service.
Jun 30, 2020
Professor
★ ★ ★ ★ ★
Mike and Gayle are professional and find every opportunity to offer real help. They communicate well and make the process a joy.
Jun 26, 2020
Hard worker.
★ ★ ★ ★ ★
Hi, we love it. It is a great person both guys are very nice people and great helpers .
Jun 22, 2020
★ ★ ★ ★ ★
Mike and Gayle Lynch did an incredible job helping me secure funding for my new home. Working with me from two states away, taking me through and helping me understand the process. I would recommend their firm to anybody buying a house.
Jun 22, 2020
Credit Analyst
★ ★ ★ ★ ★
My home purchase experience with Mike and Gayle Lynch was so easy and smooth. They communicated often and kept me updated through the entire process! I couldn’t be happier with the service they provided. I highly recommend them!
Jun 16, 2020
Purchasing Director
★ ★ ★ ★ ★
Mike and Gayle have always been our go to team for mortgage needs. One of my friends recommended them when we bought our house 16 years ago and we have used them multiple times for refinancing since. They provide you with multiple options and solid explanations of each. The process was quick easy and finished on the exact day they projected. I would recommend them to anyone.
Jun 9, 2020
★ ★ ★ ★ ★
Stephanie and I have done business with Mike & Gayle at Amerifirst Financial several times over the years, most recently for the refinance of our home. Mike and Gayle are extremely knowledgeable about the industry and have always made the process quick and seamless. It is a pleasure to work with them and we would highly recommend Amerifirst to anyone!
May 18, 2020
★ ★ ★ ★ ★
We are very happy with our refinance experience with Mike and Gayle Lynch! They are very thorough and persistent to provide their services to get the job done in a timely manner. Thank you!
May 13, 2020
★ ★ ★ ★ ★
I was struggling to go through the refinance process but mike and Gayle walked me right through the agenda and were very understanding. I’d recommend them to anyone.
May 12, 2020
★ ★ ★ ★ ★
Mike and Gayle were great to work with in getting us a good interest rate (VA loan). They were very helpful and kept us in the loop during the process. Highly recommend them to anyone looking for good mortgage loan services.
Apr 6, 2020
Security Manager
★ ★ ★ ★ ★
Mike and Gayle are amazing people to work with. As they helped me purchase my first home, I felt protected and safe during the whole process. They took care of me when I didn't understand things or was unsure what was going on. They worked hard for me to get me the best rates. If I had any questions they were always available. I will use them again and again.
Mar 30, 2020
IT Manager
★ ★ ★ ★ ★
Mike and Gayle were great. They kept on top of everything and worked extremely hard to assist with any and all issues that arose during the process.
Mar 6, 2020
Plumbing counter sales
★ ★ ★ ★ ★
Knowledgeable and efficient company! ! They made our loan funding/first house purchasing journey stress free!
Mar 2, 2020
Front Office Manager
★ ★ ★ ★ ★
I just wanted all know that Mike & Gayle Lynch from Amerifirst Financial made a very difficult and daunting prospect of refinancing my home to become sole owner of it, not difficult at all. They were friendly, helpful, supportive and made the transition through all the paperwork: effortless.
The completion of this was so quick, literally was done in a couple of weeks and I can't thank them enough, and I am now the proud owner of my own home, with payment I can afford.
Much appreciated,
Erin Doyle
Sonoma, CA
Feb 12, 2020
Client
★ ★ ★ ★ ★
They were very attentive. They made the process easy. They knew what they were doing and everything worked out for our benefit.
Feb 10, 2020
★ ★ ★ ★ ★
My wife and I were looking for information on refinancing. We made an appointment within a few days to see Mike Lynch. We were blown away with how friendly, knowledgeable, and transparent he was. His numbers (APR) were significantly lower than both our other quotes.

During his presentation he showed us the mechanics behind the numbers, showed us why he recommended what he did, and he overall impressed us greatly. We left the appointment thinking there can't be a more professional or better agent than Mike. He earned our trust that day.

We went with the Lynch's. During the re-fi process they communicated very well, answered our call-backs promptly, and cemented our trust with their follow-through. The process was done in record time and nothing went wrong. Mike and Gayle, you guys have shown you deserve to stand above the rest. I will recommend you to everyone who is looking for a top-notch mortgage company.
Jan 3, 2020
Mr & Mrs Michael Snow
★ ★ ★ ★ ★
I’m writing to recommend Amerifirst Financial. We’ve used Amerifist to purchase our first home, rental property and most recently to refinance our home. We have always been completely satisfied with there level of customer service and attention to detail.
We’re happy to recommend the services provided by Amerifirst Financial.
Dec 30, 2019
Retired Military
★ ★ ★ ★ ★
I highly commend Amerifirst Financial Inc. Redding CA.

Mike, Gayle and team did an outtanding job processing my loan. They were able to get it done even while communicating with me from outside of the country. They are very knowledgable and professional. I highly recommend AmeriFirst Redding CA for all..... veterans especially.
Thanks for the holiday gift!
Lance
Dec 27, 2019
★ ★ ★ ★ ★
Gayle & Michael Lynch are outstanding brokers, agents & people in general.

It was possible to go through 30 day escrow with their professional help to closing on time mid December; at every step they were clear, accessible, very skillful in explaining options, sharing important information.

I can recommend their entire team without hesitation. Much gratitude to them all.
Dec 13, 2019
★ ★ ★ ★ ★
This was the easiest refinance I have ever done. Mike and staff were wonderful to work with.
Dec 3, 2019
Journeyman & Homemaker
★ ★ ★ ★ ★
Mike and the Lynch Team did an absolutely wonderful job on our home refinance. The process was quick, easy and the rate was exactly what we were hoping for. We’ve purchased and refinanced with many other agencies in Redding before, and no one was ever as attentive to the process or to us individually as the entire Lynch Team has been. We look forward to working with them in the future knowing they are professional, knowledgeable, and honest every step of the way.
Nov 21, 2019
First Time Home Buyer
★ ★ ★ ★ ★
I can’t thank the Lynch Team enough for helping me purchase my first home. They are incredibly insightful if you have any questions along the process and always take time to listen to you and your concerns. They understand buying a home is a huge, stressful time in your life and so they try to make the loan process as smooth as possible. I highly recommend them for any first time home buyer.
Nov 12, 2019
★ ★ ★ ★ ★
Mike and Gayle and their team helped us to quickly refinance our home. They are all knowledgeable professionals who stay on top of every detail to make the process smooth and convenient.
Oct 9, 2019
Retired
★ ★ ★ ★ ★
Mike and Gayle were always available to help us secure a home loan and answer questions. They returned our numerous calls promptly. Thanks to Mike and Gayle we secured a loan down payment loan at a great interest rate.
My wife and I are seniors. We have purchased several other homes throughout the years. Mike and Gayle stand above the rest because they are the best.
Thank you very sincerely
Judy and Anton Schultz
Sep 29, 2019
Archaeologist & Real Estate Agent
★ ★ ★ ★ ★
As two busy professionals, with an in-depth understanding of the real estate industry (one of us having made it a passion), we didn't have any time to waste, nor room for error, in the process of buying our first home together. Previous business transactions with Mike assured Airiel that he would be the best lending asset to her family's needs, having demonstrated excellent caliber and supportive enthusiasm on numerous occasions before. He was cool as a cucumber when we needed assurance, well-spoken throughout his correspondence with our family members providing gift funds, as well as with our Escrow and Title Officers. His business also utilizes some truly empowering technology (i.e. video synopses of mortgage tables) that explains what can be a stressful and/or complicated component to purchasing property. The Lynch Team is a truly dynamic duo that is going to get it done, no matter. We are extraordinarily thankful for their genuine attention and efforts they offered our emotional milestone.
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AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. © 2020. 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. 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. Not intended for legal or financial advice. Visit https://amerifirstloan.com/pages/state-licensing for all state licenses information. Visit NMLS Consumer Access at https://www.nmlsconsumeraccess.org/.