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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.

Mortgage Calculator

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.

Please enter a valid home price


30-Yr Fixed / 0% Interest
  • Principal & Interest $0
  • Property Tax $0
  • Homeowners Insurance $0
  • Mortgage Insurance $0

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.

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

Shane made the process effortless and was great too work with. We would use his services again in a heartbeat. Victor Nielsen VP of Operations
Shane Bowlby Assisted us with our refinance mortgage. He is an excellent mortgage officer. I would highly recommend him. He can answer any question concerning your mortgage ,he really knows the mortgage business . He was very professional. He helped us to get our average credit to ... READ MORE Ernestina/Scott Hale Ernestina/Scott Hale
An email from my prior Lender, a question to Shane lead to a refinance. Shane provided me with more information than my previous Lender, which impressed me. During the process, Shane was always available by email, text or call. I was impressed that he was available and present when I ... READ MORE Ashley Thomes Ashley Thomes Paralegal; Mobile Notary
Great Loan officer! Great communication, and easy to get a hold of. Treated us like family! Rachel Robinson
Shane is the coolest mortgage guy I know and he rocks and awesome beard. He always makes sure you know that he is on your side fighting hard to get you the best rate. He keeps you updated on the mortgage process and is more than happy to answer any questions along the way to make sure ... READ MORE Jennifer Kabel
Shane is incredibly knowledgeable of the industry and always so easy to get ahold of for answers to questions. I highly recommend Shane for any of your lending needs. Shaun Gardner
The process was very easy and smooth. I would recommend him to anyone. Justin Douglas Ups driver
Such a a smooth, easy process that I was somewhat dreading, and Shane turned it into such a great process. We are very happy with how everything went. Shane was informative and we got answers to any questions immediately! Thanks Shane ! Brelyn Sargent
i highly recommend shane he goes above and beyond to get you approved, he works hard for you to get approved, and looks for other options if something comes up at the last minute , he always has your best interest at heart kimberly ioli nursing assistant/ phlebotomists
shane worked very hard for me to get approved i recommend him for his services kimberly ioli home buyer
Would absolutely use Shane again. From the first phone call with shane took care of us. The process was easy and seamless and best of he saved us more we thought possible .. Thanks Aaron Sargent Superintendent
Shane was perfect and explained everything we needed to know about the refinance process. With Shane's help we were able to complete the loan application, provide the needed documents and close the loan in a timely manner. Thomas Renteria Telecommunications Engineer
Shane not only handled business professionally but when necessary in a very prompt manner when time was of the essence. I would recommend Shane strongly. Anthony Romero
The entire process went smoothly and quickly. Shane was always available to answer my questions and help when needed. I would highly recommend him to a friend. Cassie Durfee First time homeowner
Shane and Amerifirst were absolutely fantastic. They kept me informed throughout the entire process. Michael Bowman Attorney
Shane was very helpful throughout the refinance of our home. He was professional, attentive and responsive to our questions. Thanks for providing such great service Shane! We know that many others were also involved ... thanks to AmeriFirst from beginning to end! Kurt Turley
I cannot recommend Shane highly enough. He was a joy to work with throughout the home buying process. From the moment we met him we felt he was our partner and wanted to do everything to make sure our home purchase was a good one. He went out of his way on a number of occasions to ... READ MORE Dylon MacEachran Dylon MacEachran Director, Marketing and Communications
Great to work with. Quick communication and smooth closing. Thanks Shane Matthew Cheek Home owner
Shane is an amazing loan officer. In fact, we started this whole process (even before we called a realator) by reaching out to him directly based on a recommendation from a family member and he definitely lived up to, and exceeded all our hopes and expectations. Shane was honest and ... READ MORE Eric Burgoyne Director of Operations
Shane was great to work with. I would recommend him to all my freinds Dominick A Spezzano111
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 Nathan Carroll
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 MORE Mario Gonzalez Lead 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 MORE Daniel C Ross BOOKKEEPER
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. Keith Miller 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 MORE Matthew Carroll General 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 MORE Matthew Carroll General Manager of Insure Compliance
Shane was great! Jose Rodriguez 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. Michael Wells Sergeant Police Department
Shane was great to work with very thorough. Extremely patient overall fantastic experience in buying our new home for my family! Jennifer De La Torre 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 Bowlby Eric Bowlby CEO
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 Amarpreet Singh
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. Ronald Nygaard
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! Karen Durfee
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!! Timothy Cook Timothy Cook 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!! Michael and Marley Smith 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 MORE Erica Hansen IT 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.. Julie M Shelley 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 MORE frances a myers Manager
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. John Anthony Melara John Anthony Melara 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 MORE Ronald Corbett Retired 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 MORE Jeff Serrano Claims 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 MORE Spencer Wain Swapp Spencer Wain Swapp Lead 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. William Bowden William Bowden 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 home Christopher M Johnson Internet sales
Shane was a great help! Andrew Rumbolz Relief Team Lead

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