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.
Feb 12, 2020
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!
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
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.
Sep 20, 2019
Mike & Gail Lynch have been great! They could'nt have been better!! They were very patient with us as we took a long time to find a house. We will recommend them to anyone we know or could use there services!!
Sep 18, 2019
Maintenance Manager at a Theme Park
I am a first time solo home buyer and was very nervous about figuring out my future finances. Mike and Gayle came highly recommended by a friend that was very savvy in the real estate business and I trusted her. I'm glad I went with her recommendation because Mike was very thorough in answering my cold questions, used a great web interface to walk me through different mortgage breakdowns, and really calmed my nerves about home buying. He worked hand in hand, remotely, with my agent in southern CA and helped me acquire a beautiful home perfectly suited to me. When Gayle took the reigns of my mortgage paperwork, she was equally as attentive and kept me up to date on the process. I highly recommend this team!
Sep 12, 2019
Retired pilot
My wife and i have worked with Mike and Gayle for the past 10 years. From purchasing a home to refinancing, their services were top rate. Honesty and integrity are the qualities they carry into every interaction and it's why we chose them and would choose them again. From a warm handshake and a smile greeting us at the door, to the ability to explain our options with charts and graphs, Mike is a savvy businessman with a real feel for what's important to a north state homeowner. And Gayle prepped us through every step. I could not give them a 6 star rating of i would have. Thanks Mike and Gayle Lynch.
Sep 10, 2019
Mike and Gayle went above and beyond. Mike or Gayle were always keeping me and my brother informed of how every thing was going. The two always took the time to talk things over with you and solve any issues you might have. The two are very easy going, polite and kind good people. My brother and I could not have had a better team than Mike and Gayle and we highly, highly recommend them to be on your team.
Aug 14, 2019
Property Manager
Gayle was great she always had time to answer questions I had and so friendly I would highly recommend her.
Aug 6, 2019
Mike and Gayle were open, honest and upfront about all aspects of the loan process. They kept me informed during the entire loan process. They bent over backwards to close my loan early. I highly recommend them and will not hesitate to refer people to them for top notch service.
Jul 31, 2019
Abby Deala
Mike and Gayle were amazing! We did everything over the phone and it was all taken care of in a timely manner! 😊 Thanks for all the help!
Jul 29, 2019
Asset Management- Property Management Officer
Organized, professional, and made a very stressful process easy and efficient. This is my fourth home purchase and Mike and Gayle have been the best to work with to date. I received emails throughout the process to inform me of where we were. I received phone calls when appropriate and they always had a personal touch to them. I had a VA loan and it meant a lot to me when he said that he enjoys processing them. Mike knows his stuff and will help get you to where tho need to be while keeping things realistic. Mike and Gayle are awesome to work with and I highly recommend them! Thanks, guys! I love my new home!
Jul 9, 2019
Outstanding Service! Feel awesomely fortunate!
Mike Lynch from the start to finish provided excellent care and outstanding service. As a new home owner, who's a veteran, with VA Loan Coverage, I was happily surprised with the results. The financial counseling and zero down payments really helped me out.

Mike Lynch executed every detail that needed to be completed in a timely manner. He was professional in everyway. Gayle Lynch also provided superb support. As I know she helped Mike in the areas we all needed greater financial detail to properly cover all the bases. It was the quickest turn around time I've ever experienced. As my new wife, Megan and I enjoy our new home, we're glad to know Mike Lynch at Amerifirst operated with excellency to provide us with the greatest home loan coverage. At Amerfirst Redding, California, they answered every one of my questions with honesty, kindness, and care. The most exciting thing is my Credit Score improved significantly. I am very happy with everything. For anyone, especially Veterans, who qualify for the VA Loan, go to Mike & Gayle Lynch for your home buying services. By the way, my realtor Krista Kartright, at Alpine Realty, in Mount Shasta also helped incredibly. Mike & Krista make a great team. They sure know how to help and support in every way they can. Thank you very much for everything!
Jul 3, 2019
Mike and Gayle Lynch made the remarkably complicated process of obtaining a loan incredibly easy and quick, plus they were able to translate what seemed to be technical gibberish into clear, concise, and comprehensible English! Add to the fact that they are both polite, professional, and kind! We look forward to doing business with them again!
May 13, 2019
This is the second time that I have worked with Mike and Gayle , and Ican tell you without reservation that they are wonderful. The loan they got for me had an interest rate tat was lower than I had expected. I would recommend Mike and Gayle to any of my friends or family. Thank you so much.


Gen Holloway
Apr 30, 2019
Great service, compassionate, very helpful, caring and honest interactions. They took care of ALL aspects of the purchase of my new home! Bless them and bless their business!
Apr 25, 2019
Mike and Gayle did an excellent job for me on navigating and getting a home loan. They are very tenacious, honest and forthright in their efforts and with their information. I highly recommend them to anyone. They are very easy to deal with and are very proactive in returning calls, e-mails and obtaining information and forwarding requests.

Thank you both very much.

Apr 11, 2019
Medical Billing
Mike assisted Dustin and I purchase our home here in Yreka ca in January this year. Even though Mike was 45+ miles down south from (Redding Ca) he made every effort to connect with us just about every other our with an update. He made this process way to smooth and rapid. Highly recommend, and will continue to use him for further home purchases in the near future.

Warm Regards,
Anthony McMurry / Dustin Loftis

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