ABOUT SHANE BOWLBY
Shane Bowlby (The Bearded Mortgage Guy), CMP, RCS-D, is a passionate Loan Officer based in Mesa, Arizona. From FHA and VA to Investment Property Loans and Auction Step Loans, he consistently strives to help as many people as possible. As a multifaceted professional, Shane also coaches new Real Estate Agents and serves as a Scout Master for Boy Scouts of America.
Buying a home is a big investment with expenses you may not have thought about. Use our mortgage calculator to estimate your mortgage payment, including taxes and insurance.
Estimate your Monthly Payments
- Principal & Interest $949
- Property Tax $250
- Homeowners Insurance $58
- Mortgage Insurance $84
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.
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
This calculator will help you to determine your savings if you make larger monthly payments.
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.
Shane is awesome. As we were preparing for our loan a few complications came up but Shane worked through them and really fought for us. He did a really great job in making this process as painless as possible and communicated with us frequently even when we ran into difficult ... READ MORE
Shane was great! This was our first time buying a home, and we were very nervous since we didn't know any of the process. Shane welcomed all questions, and usually got back to us right away. He discussed all options available to us, the good as well as the not so great, and let us ... READ MORELead Transportation Specialist
It was a pleasure working with Shane. He was attentive to our needs and he looked out for us, instead of just for the good if his bottom line, as we worked through the entire process. Shane was referred by our daughter who is a real estate agent and has had to work, I'm sure, with ... READ MOREBOOKKEEPER
Absolute professional, answered every question we right away. Was by our side throughout this whole new process for us. Would recommend to every and anybody.Independent distributor
Working with Shane was like working with an old friend. Conversations were enjoyable and comforting, he responded to our questions and concerns right away, and he made sure we understood everything we asked. I can say with great confidence that when I go to refinance or buy our next ... READ MOREGeneral Manager of Insure Compliance
Working with Shane and AmeriFirst Financial was like working with an old friend. Conversations were welcoming and comforting, they responded to all our questions right away, and they made sure we were confident with the decisions before we made them. They are very family friendly and I ... READ MOREGeneral Manager of Insure Compliance
Shane was great!General Manager
Shane Did an outstanding job assisting us with our refinance/cashout. Very easy process that is mostly done online. Would highly recommend him and AmeriFirst for any of your financial needs.Sergeant Police Department
Shane was great to work with very thorough. Extremely patient overall fantastic experience in buying our new home for my family!LOA
If you are looking for a LO who will walk you through the process and make a difficult process seem easy then you want Shane BowlbyCEO
Shane was outstanding. He was the one who believed in us and gave us second change on getting our first house. I will truly recommend him to family and Friends and I personally will use you and team to get another house in the future. Thank you Shane for makes our dream come true ... READ MORE
Shane did a bang up job for my wife and I and he explained everything so that we could understand what was going on and what would be going on next.
There is no one better at getting you the financing you need. He if definitely our go to guy. We recommend him all the time!
Shane and his team went above and beyond to make my home buying experience as pleasant as possible. I would definitely use him again or refer anyone that may be purchasing a home in the future to use Shane!!Cabinetmaker
We are retired and have not owned a home for several years. We were not sure we would qualify on our retirement income. Shane was so helpful in finding us funding and keeping us informed on the loan process. We would highly recommend Shane to anyone looking for financing a new home!!Retiref
I am currently living in the home of my dreams thanks to Shane. My loan process was anything but easy, and I wasn't always the easiest to work with, but Shane worked tirelessly on making sure my loan went through by close of escrow. I can honestly say that if I went through any ... READ MOREIT Business Intelligence Developer
Shane did a great job. Shane is very knowledgeable and well versed in the mortgage industry. I would recommend Shane to family, friends and co-workers. It was a pleasure working with Shane and his team..Mortgage
Shane was excellent from the very first day I filled out my application until I received my keys. He explained every detail to me in a way I could understand. Anytime he needed docs signed or information from me, he came to me, he never made me go to him. There were some stressful ... READ MOREManager
My experience with Shane during the process of buying my house was contrary to the typical home-buying headache. It was easy, and it was fast. He was there every step of the way, and available every time we needed him. I would highly recommend him to anyone in need of purchasing a home.OTR Truck Driver
I have bought and sold several houses over the years. Shane Bowlby is by far the most knowledgeable, competent, easy to work with money man I have ever met He stays current on all aspects of the house buying process and keeps you updated. Once you meet him you know he ... READ MORERetired Army Officer
Shane is great! It was such a pleasure working with him. He'said a family man, just like me, and knows how to connect on a personal level to understand your needs. He provides you with scenarios while going over mortgage options to ensure you choose the right type of loan to fit ... READ MOREClaims Unit Manager
Shane was amazing. We wanted to get into a house by the end of 2016. We were working with a different mortgage broker and that guy said it was impossible. This was right after Thanksgiving. Shane said it was possible and kept to his word, with 1 day to spare. He also drove to my office ... READ MORELead Customer Relations Representative
I would like to take this time to dearly thank Shane Bowlby and his team from Amerifirst Financial for helping me qualify for a home. They did a wonderful job. Looking for help then call Shane, for he is the best, and his team is just fantastic.Buyer
Shane and his team did a great job and made sure every detail was covered I would recommend him and his team to any body that is wanting to purchase a homeInternet sales
Shane was a great help!Relief Team Lead