Georgeta Chelmagan

Loan Officer AmeriFirst Financial, Inc. Mortgage Loan Originator
I began my career in the mortgage industry in 2007. I have had the pleasure of helping hundreds of customers obtain financing for their new home purchase and refinancing of their existing mortgage. I pride my business based on past clientele and referrals from friends and family members. Having their trust to refer their family and friends is the best compliment I can receive!

I specialize in optimizing credit, to enable the client to obtain the lowest interest rate possible and/or lower monthly mortgage insurance. I enjoy working with first-time home buyers and educating them throughout the process. What sets me apart is my ability to understand that every borrower has different needs and structure their financing based on their needs, whether it be conventional loan product, conforming, jumbo, new construction, or government (FHA/VA/USDA) loan programs. We offer a variety of down payment assistance programs, for those that want to be a home owner, but do not have the means for the down payment. I also understand that being transparent is vital to a smooth transaction. I will tell my clients what they need, why they need it, to help them understand the mortgage process, while giving them realistic expectations. I believe taking the time to listen and understand the client is the key to structuring the right loan for their specific situation and needs.

My years of experience allows me to oversee all steps involved on the loan transaction. I am dedicated to take on such an important role in assisting all my clients. I am always learning to “think outside the box,” challenge myself in improving my business, and always open to personal and professional growth. I truly honor those who trust me to create and manage their mortgage over time. Whether purchasing or refinancing a home, I will work hard to ensure that you get the best loan program, at the best rate, and the service that allows you to enjoy the experience of home ownership!
May 4, 2021
Very professional and knowledgeable.
Apr 16, 2021
Georgetta was patient and thorough through the entire process. She jumped into action when there was any issue pending with the purchase of my home. I would not be in my new home without Georgeta’s persistence, knowledge, and patience. THANK YOU is just not enough. Georgeta was amazing and I was fortunate to have her with me through this entire experience.
Mar 9, 2021
We have worked with Georgeta twice in the last 4 years and have been very happy with her professionalism and her enthusiasm in helping us achieve our goals. We are pleased with the results and we highly recommend her to anyone needing financing for the home of their dreams.
Mar 9, 2021
Georgeta began working first day on our file, she has consistently met and exceeded expectations. We will use her on our next endeavors. Thank you
Mar 8, 2021
Georgeta did a great job communicating with us , keeping us informed, helping us understand all the paperwork and getting back to us in a timely matter. We are very pleased to have had the chance to work with her.
Dec 8, 2020
Best Loan Officer I've worked With
I have never worked with a loan officer that was as great as Georgeta was! Unlike most loan officers who once they get your business they no longer care to associate with you, Georgeta was ah-mazing from start to finish. She answered all my questions along the way and was always available. I got constant updates and was always kept in the loop with what was going on. She even helped me after another company told me they could and then changed their minds a month later! I will be contacting Georgeta anytime I buy or sell from now on and highly recommend her!!
Nov 6, 2020
Oh my goodness, I can't speak highly enough of Georgeta, she is incredibly helpful and knowledgeable of all aspects of reality and loans. I had a million questions, she responded promptly and answered questions. She kept me up to date of each process, made me comfortable with all decisions along the way. Thank you for all your help. Sincerely Lea Cervi
Nov 6, 2020
Georgeta was absolutely the best we’ve ever worked with. She was very professional and knowledgeable, prompt response, immediately had all the answers to our questions as well as knowledge to guide us through any issues. Her hard work was instantly recognized. I would recommend Georgeta to anyone. She is the absolute best.
Sep 2, 2020
Georgeta has been so wonderful to work with during my refinance. This has been an incredibly busy time and she worked tirelessly to help me get the transaction closed and was looking out for my best interest the entire time. I truly appreciate her hard work!
Aug 28, 2020
Drywall Contractor
Georgeta did an outstanding job aiding us throughout the whole process of making this transition. It was difficult to get the necessary documents and receipts needed because of offices closed but Georgeta was very patient and responsive through every step of the way. She was very quick with her actions. Just an overall great experience.
Jul 17, 2020
Supply Chain Manager
Georgeta helped me with my first home purchase 6 years ago so, naturally I reached out to her to handle my refinance to get rid of my PMI and enjoy a lower interest rate. She got to work on it IMMEDIATELY and before I knew it, it was complete. Georgeta was a breeze to work with and very responsive to every inquiry. I can't imagine using anyone else. Thanks so much!
Jun 16, 2020
Absolutely the best in the business!!! A+++++
Jun 15, 2020
Georgeta did a great job! Very knowledgeable and went the extra mile. Thank you!
Jun 12, 2020
Home owner
Georgeta is great. Knowledgeable and follows up with you. Proactive and answer your questions in a timely fashion.
Jun 2, 2020
Ecommerce Manager
Georgeta Chelmagan was Phenomenal at her job. She was able to find extra money for our new home. She was on time with everything. If anything was due she had a step by step email with instructions. She was also very patient. She was informative by calling or text or emailing me and others that we worked with. She was so amazing.verything. I would work with her again and refer her to someone else. Thanks so much A.Glenn
Apr 26, 2020
Development engineer
Came highly recommended and did not disappoint. Very professional, knowledgeable, answered all calls promptly. Would use again for future transactions. Job well done.
Apr 6, 2020
Forgot to add my star rating. 5 stars all the way around.
Apr 6, 2020
Absolutely highly recommend Georgeta. Very efficient and informative through out refinance process. Working with her was totally aces!
Apr 6, 2020
Georgeta is amazing to work with. She made everything so easy and simple to understand and went over everything fully in detail. She really went above and beyond for us. This is our second time working with her and we would work with her again! Thank you Georgeta!
Mar 25, 2020
Medical professional
I cannot stress enough how thankful I am for Georgeta. I’ve worked with many other loan officers but she went above and beyond to get us the best deal altogether. She made herself available at any time of the day and truly was so knowledgeable about everything she worked on with us and helped explain it to us in a way that we could understand as well. Thank you so much for everything you did and do I definitely recommend Georgeta 10000% to anyone needing a loan officer
Mar 4, 2020
Business owner
We've done several loans with Georgeta and she has been the best Loan officer we've worked with. She's very detailed and on top of her game.
Jan 28, 2020
Assistant builder Beazer Homes
Great experience , very professional . I definitely will come back for future Business with Georgeta.
Dec 13, 2019
She is excellent she did a wonderful job helping us with our house and refinance she’s a very hard worker and we really appreciate everything she’s done for us we highly recommend her to everyone.. Thank you again for everything you’ve done for us..
Dec 10, 2019
Georgeta is a true professional and the absolute BEST in the business!! She is always on point, very responsive and gets the job done every time. Would highly recommend!!
Oct 31, 2019
I was really impressed with Georgeta's style of getting things done on the mortgage side. I appreciated how well we worked together and was grateful how she was able to go out of her way to help our client get more credit with the majority of the closing costs. Georgeta is a 5 STAR lender, and if I were to describe her in ONE WORD, it'll have to be DILIGENT. She was focused from start to finish and everything in between. She was responsive, quick to answer, and pleasant to work with. I only have good things to say about what she does. If you need a lender who can carry the burden with you, look no further than what the great state of Arizona has to offer...Georgeta Chelmagan!

My Associations