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 10, 2021
Owner at Pho Love Inc.
I have used Mike and Gayle at Amerifirst for 3 refinances this last year and they are wonderful to work with. I have done multiple refinances before that have been a nightmare and I will never go back!
Thank you Mike and Gayle for being on my team and always knowing what I need to do to make all things run smoothly! Thank you for working for and with me in every area! You guys have made it easy and fun!
Aug 10, 2021
What an amazing team. Able to do what no one else had. Willing to work with people with unconventional income and do the leg work to get the answers. So beyond grateful.
Jul 16, 2021
Mike and Gayle Lynch and everybody at Amerifirst financial was wonderful. As this was my first purchase, and in the midst of Covid I had a lot of anxiety about buying a house. It was very overwhelming trying to get the financial part of it taken care of and every time I felt that I had given that information over and over again, Mike and his team were very patient in explaining the process. I couldn't recommend them more!
Jul 16, 2021
Mortgage Closer
Mike and Gayle Lynch are awesome!!!! They made the purchase of our new home so easy. They made us feel like we were their only customer. The entire staff was so friendly and helpful. I would highly recommend Mike and Gayle for your next purchase or refinance. If we ever need any kind of Mortgage loan again we are definitely going through Mike and Gayle Lynch with AmeriFirst Financial. They are amazing!!
Jul 8, 2021
I needed a lot of “hand holding” throughout the entire process
And Mike & Gayle did a great job guiding us through!
I would definitely recommend Them to anyone looking for financing
Of a new home!
Jun 11, 2021
Technical Consultant
Did you know that home buying can be painless? I recently was able to purchase my first home with the help of Mike and Gayle Lynch! They made the process simple and pain free. I would highly recommend working with them, and will be working with them in the future.

Thank you both for helping me finance my first home without breaking the bank!
Jun 9, 2021
Executive Assistant
I am truly grateful to Gayle and Mike for helping me achieve the impossible! Their entire team worked hard and diligent to find me the right loan that would fit my finances. They kept me informed and patiently answered all my questions throughout the process...even the same questions I asked multiple times.

Thank you, Gayle and Mike! I would not be in my new home today if it wasn't for your professionalism and caring dedication.
Jun 3, 2021
team Lynch is awesome! thanks so much to everyone - their hard work and passion really shines!
May 24, 2021
Mike & Gayle made the process of our refinance smooth and easy. Highly recommend them for all your mortgage needs.
May 19, 2021
Physical Therapist, clinic manager
As a Navy veteran, I'm really happy to have been put in touch with one of the very few VA loan specialists. I couldn't have asked for more when it came to customer service and good old fashion communication. I felt at ease through the whole process because they really helped me understand all the details and options. I will definitely hire them again the next time around, and would recommend them to anyone looking to buy a home whether they're a veteran or not.
May 16, 2021
Mike and Gayle and the entire staff patiently walked me through the refinance process (and I asked a lot of questions). They were very sincere in helping me with my financial needs and kept me informed with every step. I would not hesitate to recommend them to my family and friends.
May 14, 2021
This is the first mortgage I've gotten from Mike and Gayle Lynch, and the first time I've gotten a mortgage where there were no delays, no surprises, and no mistakes made by the lender, and we actually closed on time! They were always available when I had a questions. The whole process was smooth and easy. You can't do any better than Mike and Gayle Lynch for your mortgage needs!
May 14, 2021
Mike, Gayle and staff were amazing!! First of all they all knew me by my nickname not just my birth name!! It made it feel like an inclusive venture, I was part of the team. They bent over backwards to explain every part of the process to me so I could understand why things were asked of me, or why things changed in process. This all helped me feel some level of control over this event which changed my life. Before I had a chance Mike took it upon himself to reach out to my realtor and start that ball going once the offer was agreed to. He was very informed about VA loans and how to make sure they were complete before submitting my packet. I can't say I will recommend them because I have already suggested them twice to current freinds in the house shopping experience! I will continue to recommend them as I hear about people shopping for a new home.
May 14, 2021
The process was so easy through them. they return my phone calls they return my emails in a timely matter . I highly recommend them . This is our first time with process we went through with the homebuying and it was a very very stress-free they said that home-buying processs is the hardest part when you’re in escrow and I didn’t feel the stress with them!!
Sep 17, 2020
What great customer service both mike and gayle have kept me informed throughout this home buying process. The offer fell through but we are still looking at other properties. Can not say enough about this team I would highly recommend this business.
Jul 22, 2020
Mike and Gayle were extremely professional and expeditious in the loan process. They explained everything in detail and the result was positive. I would recommend this team for anyone looking for a residential loan!
Jul 10, 2020
We are very happy with the help and information Mike and Gayle gave us during our refinance. The interesting aspect was that I had a preconceived idea of what I wanted, but Mike did extra research and offered a much better solution for our needs. It's going to allow us to live longer in our home with more financial flexibility. Super grateful for the expertise.
Jun 30, 2020
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.

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