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ABOUT CINDY HALLAS

Thank you for visiting my site. I am happy you have taken the time to get to know me. Being of service in the mortgage industry is something I take a great deal of pride in. I find it my duty to be your advocate to obtaining your goals and objectives in the smoothest possible way while educating my clients through each step of the way. My biggest compliment is when my past clients, family, friend and REALTORS® have enough trust in me to refer me business. Attention to detail, communication, resolution focused and obtaining our buyer’s goals is how we build our team goals.

I was fortunate to be raised by my father who is a 35 year veteran police officer of the City of Phoenix. I 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. Connecting with our REALTOR® partners and establishing long-term relationships building trust for our clients to feel confident enough to come back to me over and over again.

I 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. My extensive knowledge and background in the mortgage industry, allows me the opportunity to take over many declined loan packages and turn them into complete purchase and refinance transactions with accurate information. Structuring loans and simplifying the loan process for our clients is what we do best. In the industry of extensive income documentation, full loan disclosure and invasive inquiries, I can make the process more streamline by simplifying and educating our clients along the way. They will understand each step and feel confident we have the ability to close their transaction. Unlike many other lenders, we believe in providing and disclosing everything upfront, full transparency with communication thus setting our clients for full SUCCESS. We prepare our clients for worst case so at the end, they are pleasantly surprised with more money in their pocket, less closing costs and overall less invasive process. Building trust is vital when coaching clients through the home buying process.

With my vast experience in residential, construction, land, lot and equity loans, FHA, VA, JUMBO, Foreign National, Investors, Second Homes, Vacation Homes, Co-Signing, USDA, Down Payment Assistance, No Money Down, First Time Home Buyers, Credit Repair, Credit Building, Fannie Mae, Freddie Mac, Ginnie Mae, VA loans. I have financed many loans from $10,000 as large as $4.7 million. I have worked with all kinds from doctors, lawyers, self-employed clients, investors, professional athletes, teachers, first time homebuyers, and many other types of clients. Regardless of the client or their occupation, each and every one is qualified as an individual and each loan application is processed with special care. Clients are not just a number.

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, Down Payment Assistance, No Money Down, First Time Home Buyers, Credit Repair, Credit Building, Fannie Mae, Freddie Mac, Ginnie Mae, VA loans and much more are available. I take pride in high touch and hands on dedication with each and every customer. I am available during the week, evenings, and on the weekends. I will do what I can to make this process as easy as possible being sensitive to your busy work schedule and lifestyle. I have teamed up with Real Estate industry professionals to better service you as the customer. Allow me and my teams’ knowledge and experience guide you in the right direction so you can be sure all your financing options are presented to you. Then, you can make the right decision for you and your family.

I have personally trained many individual loan officers and processors in this business. I have assisted branch managers with their business structure and with establishing their goals and expectations. I currently work with REALTORS® in building partner relationships to help our clients. I also coach many REALTORS® in building their business. I have established a strong reputation for hard work, goal oriented, service driven, ethical practice with great urgency when conducting business each and every day. I will take the stress and hassle from you and with professional and honest staff, we will close your loan with ease.

With Real Estate Agents:
I am also a Certified Instructor teaching REALTORS® their Continuing Education Courses. I currently am licensed to teach in AZ, CA, WA, CO, and NV. Education is vital in this industry and knowing I can build business partner with Real Estate Agents through education and coaching one on one to assist in building their business, establishing trust, and establishing relationships is where we stand out.

Working 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, social media branding. 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. Being a business owner can be overwhelming so breaking it down to a simple and easy system to incorporate into their daily, weekly, monthly and annually routine is critical to being successful. I show them these steps to success in a format that is simple and easy.

Within the Community:
Back at a younger sister looking up to my AMAZING older sister, she took Sign Language in College as her foreign language. I was so fascinated by the language and the culture, that I too wanted to follow in her footsteps and take in American Sign Language as my foreign language as well. What I did not expect is the true love and PASSION I would gain through learning so much about the Culture, language, Community and the overall people I meet along the way. I was hooked. I took every ASL (American Sign Language) and Deaf Studies course that was provided and fell in love with the Culture and the Community. Since, I have had the wonderful opportunity to volunteer at Arizona School for the Deaf and Blind while going to University of Arizona in college, Phoenix Day School for the Deaf when I moved back to the Phoenix area as well as get involved in many other Deaf Community activities. I currently volunteer and interpret for our Deaf Congregation at my church and truly enjoy staying connected to our Deaf Community. My biggest passion was then combined as I have met many REALTORS® who know and are connected in the Deaf Community and assisting our DEAF clients has to be one of the most rewarding for me. I truly am able to combine two passions of Mortgages and Deaf Community into my career. I feel so fortunate to be in this position and so proud to have the ability to speak another language, and YES ASL is considered its own language and it is NOT UNIVERSAL.

Coming from Military family I also enjoy contributing to Wounded Warriors as well as 100 Club of Arizona. Wounded Warriors are for our wounded in the military and the 100 Club of Arizona for our fallen Police Officers, Wounded Police Officers and their families. Coming from military and a father who served 35 years with the City of Phoenix Police Department, these hit very close to the heart. I have many friends in the Police Department and First Responders (brother a fire fighter for more than 22 years). We take care of them and they certainly take care of the community.

I also enjoy participating and volunteering for Desert Harbor Doberman Rescue, Box Lux Rescue, and regularly foster abandoned and “at risk” dogs and place them into loving permanent homes. I love all dogs and believe they all deserve a good home. I do not believe in bad dogs, only bad from the results of bad environment.

In My Personal Life:
In my free time outside of mortgages with clients and Teaching classes for REALTORS®, I enjoy outdoor events. I am avid runner, hiker, cyclist or anything outdoors. I grew up playing soccer through my childhood and in college. I have met most of my long lasting deep friendships through this amazing sport. I still enjoy occasionally getting out on the pitch and kicking the ball around. My favorite is teaching the youngsters a trick or two from this old timer. Being active and outdoors is where I find peace, nature has so much beauty and energy that allows me to recharge and continue my busy lifestyle.

My family is most important to me. I am fortunate enough to have a great family life. I was adopted from Seoul, Korea when I was just two years old. My parents are incredible parents who are still alive and in a very loving marriage. My parents happen to be my closest friends and my rock. I have one brother and sister who are also my closest friends.

I also enjoy rescuing and helping dogs. I am a big part of Desert Harbor Doberman Rescue and have a Doberman from the rescue and foster for them when I can. I also volunteer and foster for other dogs in need of a home. Having rescue dogs in my household is a regular routine, currently at 4 rescues.

My other passion in life, as anyone close to me knows, is food. I am 100% a FOODIE! I enjoy trying new food, eating at restaurants, cooking in and eating all kinds of amazing food. Many great events happen around food. Relationships of all kinds, whether family, close friends, colleagues, clients both repeat and new, and many other memorable interactions happen around food. So my motto is “pleasure per calorie”, to east something unhealthy, it better taste REALLY AMAZING! LOL..

Thank you for the compliment of visiting my site. I am thrilled with the opportunity to work with you. Feel free to contact me at and I look forward to meeting you.

Mortgage Calculator

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Additional Calculators

How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.

Mortgage Principal Calculator
This calculator allows you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.

Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

Mortgage Length Calculator
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What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.

Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.

Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.

SEE WHAT PEOPLE ARE SAYING ABOUT US

Cindy was always very helpful, very responsive to our questions, contacted us right away, and always professional. JERRY DURHAM
I highly recommend Cindy Hallas and AmeriFirst Financial for your lending needs. Cindy is diligent, knowledgeable, professional and always accessible. I recently closed on my own personal home, and as both the buyer and the agent in the transaction, I was extremely pleased with the ... READ MORE Jennifer Hamilton Buyer and Real Estate Agent
Cindy and her team were very patient, helpful, knowledgeable and personable. They helped me the entire process. I would recommend Cindy very highly. Emily O’Brien
Cindy did a great job of putting together the loan on the home I purchased in Phoenix. As a real estate broker I have had occasions to work with various loan officers and Cindy Hallas is one I recommend to use if you want the deal done right. Thanks Cindy. Gerry Ball, a satisfied client. Gerald S Ball Broker
Amazing! She was a wonderful help from start to finish. Loved working with her and she was prompt and made this process very easy and straightforward! Christina Moreau Teacher
I had a fantastic experience working with Cindy and her associates at Amerifirst. Many times I called or texted questions and I always received prompt returns and always to my satisfaction! I felt informed every step of the way! Thank you! Danny Batsell Captain
Cindy was very responsive and always got answers when I had questions !! She’s great Russell Dewayne lunsford Russell Dewayne lunsford Buyer
Cindy is the best. Due to being co-signers on our daughters’ student loans, our credit was difficult. Cindy worked until she got us approved. She is knowledgeable and persistent, never giving up on us. She deserves your business! Jeanne Bowden
I recently had Cindy write the mortgage to finance my new home. From the very start Cindy was excellent, knowledgeable, efficient, clear on what was needed and why. She has assembled a team of professionals that helped me through the entire process. Thank you so much Cindy! Brian D. Retired
Cindy and her staff were great! They were always available to answer our questions and concerns. Cindy guided us step by step through the entire process. Cindy with her knowledge and the great staff that assisted her, were very patient with us as there were times that were very ... READ MORE DAN & WANDA
Cindy Hallas has been so precessional and helpful during entire time while I was buying my first home. She is very knowledgeable with process and alway there for me whenever I had questions. I will go to Cindy when I buy next house too! Thank you Cindy! Boyeon Park Dr. Of Pharmacy
My loan process with Cindy and her AmeriFirst team was gratefully, stress free. Closing took less than a month. Unbelievable! I experienced integrity, acumen, dedicated customer service, tutelage, immediate resolutions. Cindy was my cheerleader all the way through. I highly ... READ MORE Linda D
I am so thankful and satisfied with everything, the procesz was stressful, however Cindy and her team were amazing. Zinnia V Bustillos Zinnia V Bustillos Customer Care Specialist
Cindy was great at communicating and very pleasant to interact with Heather B
Cindy was very helpful and streamlined our house buying experience greatly! John Aho John Aho Software Engineer
Cindy and her team were amazing to work with! They always answered all my questions—even after work hours when I needed clarification. They work very diligently and are an expert in their field. Both posses a lot of knowledge and I always felt I was receiving the best ... READ MORE Nathalie Sargent
Cindy Hallas, and her team great and pleasant to work with, from beginning to end. Jose M Ballesteros
Cindy has helped us find the right home that we bought. She took time to explain procedures and we three of us have benefited from her help. Judy York
Cindy has been a big big HELP during the loan process. I would use her again if opportunity came again. Judy York
Cindy was such a great help to me. This was my first home and she helped me to be completely stress free. She was always easy to contact for any questions. She worked quickly and accurately so that I felt absolutely zero stress. THANK YOU, Cindy. You're the greatest. Madeline Goodman Teacher
Cindy was so easy to work with! She was always available to talk and the communication was fantastic. She made the process incredibly easy and I never had any worries that there would be any delays because she was so on top of things. She also was very candid and made sure I had a ... READ MORE Amanda Wolfe
Cindy is an amazing loan officer and person she walked me through everything step-by-step and was there through everything and made sure I ended up with everything I could possibly dream of she is the best you could ever find Jessica Walker Jessica Walker Jessica Walker
Cindy was excellent! She helped secure my loan and I was able to close in well under the expected timeframe! She is extremely helpful, thorough, quick to respond and professional which helped make the process a lot less stressful. I will definitely recommend her to anyone in looking ... READ MORE Joe P. Insurance Claim Specialist
Cindy Hallas was exceptional! Very professional, easy to reach. She made this entire process seemless. I Will highly recommend her to all. Can't imagine going through this process without her leading the way. RODERICK HOWELL Retail Manager
Cindy Is organized & detailed . She follows up accordingly . She is persistent to make things happen & see positive results . Thank you Cindy. Ana Lisa Lagman Registered nurse
Cindy was great to work with very knowledgeable and personable. she completed everything in a timely manner and we closed early. Janice Wiggins
Cindy and her team were prompt and professional. The financing was somewhat complicated so there were numerous issues to tackle in a timely manner. I am happy to have worked with the group of competent, hard working people at AmeriFirst. John Carlson Investor
Cindy and her team did an outstanding job in providing me the information necessary to process my home loan. They followed up on my questions and concerns and even called me on the weekend to make sure I was clear on each step of the process. Thank you all so much for making my dream home come true! Pat Lee
I love Cindy and Georgeta! They are awesome. You're in great hands with these two. They will take you thru the whole crazy process of buying your home. They're always available for any questions and are there however they can be to help you with any hurdle you come across ... READ MORE Lisa Skavhaug Property Manager
Cindy Hallas specializes in quick response to questions and quality information. She's a pro. Richard Quiroz Richard Quiroz Vice President
Cindy is a true professional. I trusted her knowledge 100%. She is very friendly and personable. She worked hard for me and pushed to get things done in a timely manner. We ended up closing within 30 days. I highly recommend and I would gladly do business with her again. Thank you. Steve Torda
Cindy Hallas and her team of experts made my home buying experience seem like a walk in the park. They catered to all our needs. Roque Gonzalez Systems Administrator
Very knowledgeable. Kept me in loop with refinance. Answered all questions in timely manner. The process was smooth from start to finish. I recommend to anyone buying, selling, or refinancing. Great company to work with. Sean Lucas
Cindy made understanding and going through the mortgage process of buying a home very easy. She was very professional and relatable. She provided excellent customer service by going above and beyond by taking calls from my husband and I outside of normal business hours. She was also ... READ MORE Beth Horn Physical Therapist
Cindy Hallas is the most professional, most courteous, fastest Mortgage Loan Officer I have ever dealt with. She can't be anything but a great asset to AmeriFirst Financial Inc. I would recommend her highly to anyone, requiring the services they provide ! Sincerely ,Gary Shepard Gary Bernard Shepard Retired Professional Financial Planning Lockheed Martin, 20 yrs SR-71 Support
Cindy and Georgeta were an absolutely amazing team at AmeriFirst Mortgage. Buying my first house in AZ was not the best experience with all the stress involved, but Cindy and Georgeta were so great, answering every question I had (and I had a lot!) and being available whenever I ... READ MORE Julie Wentz Director of Business Development - Brookdale Senior Living
Excellent service. I refinanced and it was a great experience. I am very satisfied with the results and process. I will recommend to family and friends, Thank you. Gary Shepard Retired
Cindy was very helpful and efficient in helping me with the refinance of my home. She originally helped me with the purchase of the home as well when I bought it. She keeps things moving and the communication is very helpful. She communicates each step of the process and is clear. ... READ MORE Rebecca Shapiro Account Executive
My wife and I had the pleasure of working with Cindy as we built our dream home. The lending/underwriting process was laid out very clearly from the get-go which made for one of the easiest home purchases we've had. Cindy was quick to reply to multiple emails/phone calls and text ... READ MORE Joshua Carroll Homeowner
Cindy and her team did a fantastic job with our home purchase loan. Requests were timely and clearly explained. No stress. I highly recommend! Jennifer Yarbrough
Cindy and her team made the process so easy and painless. With her and her awesome team and my realtor the home buying process was enjoyable. Would definitely recommend to anyone. Daniel Parks Jr. Master Service Technician
When i started the process of purchasing a home i was scared.. I never thought i would be able to qualify much less be able to actually buy a home as a single mom. However with Cindy Hallas help i was not only able to purchase a home but the home of my dreams and in record time! It ... READ MORE Tina jones Tina jones Office manager
Cindy and her Team are AMAZING!! Professional and Efficient. Made the entire process smooth and worry free. Highly recommend Cindy and her Team. LaVonne Schneider Relationship Manager
I want to say that Cindy Hallas has been a true pleasure to work with. Throughout the mortgage refinance process she was available and patient with our questions. The requests for the various requirements for underwriting were explained quickly and the overall efficiency for the team ... READ MORE Bob Nilles Esteemed Customer
Cindy, Jamie and the rest of the team made the process of buying a home easy, simple and fun, which can be difficult to do. Their attention to detail, knowledge and professionalism is second to none. I would recommend Cindy and her team to anyone that is in the market to purchase a home. John Guzman Property Manager
Cindy did a great job. She and her staff were always knowledgeable, prompt, professional, and very helpful. I would recommend her to anyone in need of mortgage assistance. Paul Apolinar
I had the opportunity to work with Cindy Hallas over the last couple of months throughout the sale and purchase of my new home. From day one, Cindy proved how apt she was at her job. Not only was she knowledgeable in the lending process and able to answer my multitude of questions, but ... READ MORE Kimberly Stillings Teacher/Home Buyer
We came to Cindy after a bad experience with another lender. Cindy streamlined the process, made it simple and instructed us along the way for a very seamless borrowing experience. We will use her again for sure! Lynn G Lynn Program Manager
I would say she's great to work with....very helpful, accommodating and very approachable. approachable in the sense ... if you have questions, inquiries she's always there to answer your calls and messaged right away. she really knows what she's doing...when it comes to ... READ MORE Sheila Rillera PSR (Patient Service Representative
Cindy and her team worked extremely hard to get me into my home. They treated me on an individual basis and took all factors into consideration when working with me. I'm so thankful for cindy and her team, they're great and I will recommend them in the future! Doug carrillo
Cindy is awesome. She thoroughly explains every single step. God knows I had a lot of questions at off hours and she would always reply. I highly recommend Cindy and I give her info out as much as possible. I can't forget Jaime. She was truly awesome as well. They make a great ... READ MORE Joe F
Cindy did a great job as our loan officer. She knows sign language and made our communication easy. I would recommend that she work with anybody, especially the deaf and hard of hearing. Great job, Cindy. Rodney Arnold Navratil Home Buyer
Working with Cindy was a great experience. She helped me purchase my first home. And was very responsive whenever I had any questions. Cain Francis Brehl Cain Francis Brehl Trim foreman
Cindy Hallas is the Best. Most wonderful Agent to work with. She was always quick to answer any questions, and kept in touch with me. Amerifirst Financial is the Best Company and I would recommend Working with Cindy to anyone looking to buy a home. She is always there ready to ... READ MORE Nicole M Magyar Marine Biologist
Cindy and her team are very professional and extremely knowledgeable. They were available ALL the time and responded to questions quickly. Having been through the mortgage experience recently, with a different loan officer, I can tell you Cindy made it much easier and I felt very ... READ MORE Cindy Wagner Retired
It was an absolute please working with Cindy and her team. I was a first time home buyer and knew every time line, what was expected from me and documents needed. A lot of horror stories go around about trying to get a home loan. Cindy and her team made it easier than I could have ... READ MORE Becky Lofgren Customer
I couldn't have asked for a better person to assist me through my entire loan process then Cindy!! She did an absolutely amazing job from beginning to end and was always there for me when ever I had any questions or needed assistance. Thank you for making my home buying experience ... READ MORE Jessica Bennie
Robert Karnatz Cindy was our loan officer helping us obtain a mortgage on our home in Washington state. She did a phenomenal job and I highly recommend her services Robert Karnatz
She did one helluva job she went above and beyond her job David Charles Stebleton
Cindy was absolutely fantastic during the whole process. She worked as fast as I could have asked for. There were no mysteries or delays. She was always ready with the necessary information if requested. She also helped lower my out of pocket for closing. I could not have asked for a ... READ MORE Steven Bugay Aerospace QA Inspector
Cindy did a great job. I would and will recommend Amerifirst and Cindy to anyone I know who is interested in buying or refinancing a home. It is a very stressful time when buying a home and Cindy and her staff made everything as smooth as possible and kept me informed the whole time. ... READ MORE Caroline Mapes Retired Mortgage Underwriter
We haven't bought a house in 27 years. Cindy and her team eased us through the entire process. She was very prompt in her replies to our many questions. We highly recommend Cindy Hallas. Thank you. Michael McLaughlin
Cindy Hallas was referred to my wife and I by our Son and Realtor Brian Gillham of Gillham Team Real Estate for the purchase of our retirement home in Goodyear. As this was a long distance transaction Cindy was quick to respond with all questions and paperwork. She made the ... READ MORE Bruce Gillham Retired Manager of Nuclear Licencing
Cindy Hallas and her fabulous group of professionals made the mortgage process, simple and effective. We were kept informed on every step. We closed quickly. We are very pleased with the service she provided. Kathy Hallas
 

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