About Fabbiana Vecchiarelli

Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!

With AmeriFirst Financial you're in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.

Competitively Priced Loan Programs:

  • Home Affordable Refinance Program (HARP) Disclaimer
  • Purchase, Rate and Term Refinance, and Cash-out Refinance Programs
  • Fannie Mae Conventional, High-balance and Adjustable-Rate Mortgages (ARMs)
  • Jumbo, Portfolio & Investor Products

We're here for you, ready to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

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.

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.

See What People Are Saying About Us

I just want to say without Fabbiana's knowledge and expertise I probably wouldn't have felt as confident as I did buying my Condo. She helped me through the process like a pro. Giving me different options and advise on what would be the best financial path for me to take. I ... READ MORE Lisa Briones
Fabbiana was very professional and communicated everything really well. She was quick to return calls, and very happy to help and assist all along the way. I would highly recommend her and would definitely use her again in the future. Brad Golter
Fabbiana was so wonderful in helping my partner and I through our first home-buying experience! Fabbiana made the entire process painless, communicating diligently and often, in what could have been an incredibly stressful time. She also helped us lock in an incredibly low rate that we ... READ MORE Sarah Kovacic Nurse Practitioner
I truly cannot express how grateful I am to have been able to work with Fabbiana while buying our (my husband and I) first home. She talked us through all of the pre-approval process it terms that we could understand, and made sure that we were comfortable with every step along the ... READ MORE Alannah Kelly
Fabbiana was extremely thorough and patient with my husband and I throughout our entire (first time) home loan process. Every step of the way she went above and beyond to ensure that we were provided with loan options that were right for our specific family situation. Before we started ... READ MORE Molly Miller
Fabbiana was incredibly efficient in getting us into our new home. She treated us like family and gave us a ton of confidence going into a very competitive market. She seemed to be available around the clock and secured a great loan. Henry Fenwick
A real pro - always very responsive, and with a broad scope to come up with opportunities or solutions. VERY knowledgeable. Quick with alternatives. I have full confidence in Fabbiana and would immediately recommend her to any needing these services. Thank you Fabbiana!!! Larry Larson
Being self-employed and starting a new business in the middle of a pandemic made getting a new mortgage for a new home in a new state quite a challenge. In fact, after submitting paperwork with three other lenders, we were rejected three times due to debt to income ratio. Fabbiana ... READ MORE William McGlashan
Fabbiana helped us with our first mortgage in 2018 and based on that experience we came back to her to refinance in 2021. She is prompt, always willing to answer questions and explain things in detail, looks out for our interests, is trustworthy and provides great recommendations, and ... READ MORE Jake Johnston
Fabbiana,right from the start was incredibly quick in her responsiveness and throughout our experience buying or our new home she was very thorough in taking the time to explain every little detail. We're so thankful for her professionalism and efforts to make our experience ... READ MORE Yolanda Roberts
Fabbiana was an absolute JOY to work with. Not only was her radiating positive attitude a breath of fresh air during a stressful process, but she was extremely knowledgable and answered all of my questions thoroughly with patience. As a first time home buyer I had many uncertainties, ... READ MORE Kit Fowler
As a first time home buyer, I had a lot to learn and even more questions to ask. Fabbiana was patient with me through the whole process and was so quick to turn around my offer letter when the day came to put in my offer. Her attention to detail and thoroughness are something to strive ... READ MORE Lauren Hunt Director of Antimicrobial Stewardship
Fabbiana was a treat to work with. She was very timely and thorough. Making the process very easy to understand and seamless! I woudl highly recommend her! Jenee J Rick VP SAles
We have gone through the mortgage loan process many times over 30 years. We have never experienced better service or attention to detail than from Fabbiana! She is professional, easy and fun to work with. We recommend Fabbiana to everyone! Amy Palmer Jones
Fabbiana makes all of her clients a priority, prepare yourself for a loan experience like no other. Responsiveness? 100%. Compassion and understanding of unique situations? Always. Competitive? Next question. Fabbiana is the queen of mortgage brokers, and it was a pleasure ... READ MORE Jeff Allen Data Analyst
It was super easy and efficient working with Fabbiana on my condo purchase! Made it the process clear to understand for a first time buyer Connor Tieulie
Fabbiana Vecchiarelli exceeded all of my expectations in refinancing my properties. The process started on 1/11 and I closed on 2/16. She was well organized, extremely knowledgeable and always accessible to answer questions. I would recommend Fabbiana to everyone for your financing ... READ MORE james m levstek
Fabbiana was super! I have purchased and or refinance at least 5 times in the last 10 years, never have I received information on a refinance or purchase in as easy to understand format as she provided. The entire process for my recent purchase with her was done remotely and across ... READ MORE Donald Roeder Technical Support Analyst
The easiest refi I have ever done. Fabbiana kept us informed every step of the way. I highly recommend!! Traci Snouffer
Fabbiana and Karissa brought confidence and experience to my re-finance from the first day to the last. Multiple times Fabs took the time to deeply explain the answers to all of my questions regarding my transaction. She is a trusted leader in her business and I look forward to both ... READ MORE Chris Knight Chris Knight Software Developer
Fabbiana is incredibly impressive and a complete pleasure to work with. She always went above and beyond to help walk me through the entire home buying process. The personalized videos detailing out the best options were extremely helpful. Fabbiana is smart, ambitious and thorough; I ... READ MORE Mitchell Jones Project Manager (Civil Construction)
I was referred to Fabbiana by a family friend. Fabbiana worked tirelessly for me! It took some time as I am self employed. She was able to pay off all my debt by refinancing my home! I appreciate all of her effort & would gladly refer her to anyone! Sonya Churchill
Fabbiana did an incredible job walking me through my first home loan. She took the time to really break down all of the numbers and ensure I understood all of my options. She was thorough and responded quickly anytime I needed anything. She really went above and beyond, and I had ... READ MORE Katie Dahm Psychologist
Upfront and very professional. Kept us informed throughout the process which went without any issues Gregg Ballard Management
Fabbiana was a pleasure to work with. She was well informed, very responsive, exceptionally polite, and always available to answer questions. I have worked with several other loan officers to date, and Fabbiana was the best I have encountered. We ended up with a great loan rate and ... READ MORE Michael Abdella Doesn't Matter
Fabbiana is a rockstar! She made the entire process of refinancing our new home streamline and completely painless. Fabbiana and her team were behind us every step of the way and even quick and responsive when our current provider wasn’t. We would recommend her and her team ... READ MORE Cody Meyers Internal Wholesaler
Fabbiana did a fantastic job helping me and my wife getting refinanced. She made the process easy and as painless as possible. Will definitely continue to use her in the future and she has a long term customer for sure Nathan Hutchison
Fabbiana was extremely helpful and knowledgeable. She was very responsive, every time we had a question and made refinancing quick and easy. Thank you again for all of your help! Stan Mossberger
Fabbiana was awesome to work with while buying our first home! She was very responsive, quick to answer all of our questions during the whole process, from approval to closing while explaining everything to us in great detail. She really went above and beyond, answering our questions ... READ MORE Kandace Gordon Software Developer
Fabbiana did a great job helping my boyfriend and I when securing approval for our loan on a new home throughout July and August. She was always available, replied almost immediately to any questions or concerns we had, and provided several options and recommendations to best fit our needs. Sera Kate Sims Team Lead, Customer Support
Fabbiana was always available and always ready to help! This is my second time buying a house and my experience with Fabbiana was 100 times better than my experience with my first loan officer. She helped keep me feeling calm during the stressful moments of purchasing a house. She was ... READ MORE Joanna Meoli Certified veterinary technician
We used Fabbiana for both our first time home buyers mortgage and then again for refinancing on the our same home. We live on the Western Slope and were initially slotted to go through the highest recommended broker out here, but Fabbiana looked at our specific circumstances and was ... READ MORE Justin McCarthy Justin McCarthy
Fabbiana was the best for me, I tried 6 landers before I can to fabbiana, she explained the process clearly, she was ready to pick up the phone anytime to answer my questions. I will work with fabbiana in the future again Joyce Chirha
Fabbianna is a pleasure to work with. Any questions I had she answered almost immediately. She worked diligently and made my refinance process extremely smooth and efficient. I am very grateful to have her in my corner, and will trust her with any future financing. Her supporting team ... READ MORE Richard Yates Project Manager
Fabbiana was incredibly helpful during my first time buying a home. Every step of the way Fabbiana was there to help and to clarify anything for me. Top notch communication. She is amazing at what she does! Hannah MacElroy First Time Home Buyer
Fabbiana provided me with the best rate after comparing against multiple other lenders. She was thorough and responsive throughout the entire process from approval to close. Will definitely use again for the ext purchase in a few short months. Robert Aydelott Senior Application Analyst
Fabbiana and her team were fantastic to work with. They got us an amazing rate and made the entire refinance process as effortless as possible. Even when we had questions not during regular business hours she was always quick to respond and go above and beyond a normal refinance ... READ MORE Franz Garsombke CTO
Fabbiana was one of the best professional recommendations we have ever received. She is prompt, thorough, and gave us options for our loan that we didn’t know existed. Our loan process was a breeze and she felt like an immediate friend. HIGHLY RECOMMEND Nick Miller Nick Miller
Fabbiana is without a doubt the Best Loan Officer I have ever dealt with in my 30 years of buying real estate. She's so efficient and organized everything flows smoothly and doesn't feel like a huge burden. I highly recommend her to all my friends and family. She made the ... READ MORE Ginny McGlinn Registered Nurse
I can't say enough good things about working with Fabbiana Vechhiarelli for our home refinance. She was incredible to work with from the moment we contacted her-- knowledgeable, professional, efficient, and just a wonderful person. The folks supporting her are phenomenal as well. I ... READ MORE Kristi Gonsalves-McCabe Kristi Gonsalves-McCabe Chief of Staff
I can not recommend the expertise of Fabbiana enough. We first spoke four or five months before she helped me refinance my home, at the time she offered invaluable insight and advice even though it wasn’t certain that we would be working together yet. From the first ... READ MORE Devin Perreault Small Business Owner
I absolutely love working with Fabbiana and trust her with clients. I know that things won't ever get missed and that we will meet all deadlines when I have her as the lender. I think Fabbiana is one of the hardest working people in the industry and I am so grateful to have her as ... READ MORE Natalie Kavan Natalie Kavan Realtor
Fabbiana is wonderful. She is highly responsive, professional, and just generally on top of things. I am a first-time home buyer and had a lot of questions and concerns. Fabbiana really took the time to make sure I was comfortable with the process and understood what to expect next ... READ MORE Lauren Thomas Lauren Thomas Home Buyer
Fabbiana did an INCREDIBLE job handling my refi loan start to finish! From her impeccable communication skills, ability to inform and explain things effectively, and in-depth knowledge of loan product, Fabbiana not only made my refi a piece of cake, but saved me hundreds of dollars a ... READ MORE Lisa Reyna Real Estate Agent / Client
Fabbiana was great! Thorough, communicative, super pleasant, and extremely helpful! 5 stars, A+! Seth Y. Person
Fabbiana was a pleasure to work with. She was easy to talk to and provided quality answers to all my questions. She did an amazing job coordinating with my realtor, her team and the title company. In the future, she will be my recommendation to my family and friends interested in buying a home. Cameron Feagle Project Engineer
Fabbiana work with diligence and precision to facilitate the acceptance of my home loan. She was there to answer questions at any hour. She helped to gently push and remind me to complete the steps that she clearly laid out for me. I do not think this could have happened without her ... READ MORE Christopher J Kavan Project Manager
We have worked with Fabianna twice now. Both times, she has been simply amazing. It is obvious that she works so hard to go above and beyond for her clients. She has so much knowledge and is incredible at what she does. We will always work with her in the future! Stephanie Grauberger
Fabbiana is an allstar. Always on top of answering my questions at all times of the day, no matter how I reached out. Even on closing day, in the middle of signing paperwork when I had a question, she quickly responded. She was always willing to run various financial scenarios and ... READ MORE Travis Sr. Execution Analyst
Fabbiana Progar was amazing through our refinance process. It occurred during the second week of the quarantine and she was incredible at getting back to us immediately when we emailed her. She always had excellent guidance through the entire process. I have no reservations in giving ... READ MORE Eddie Shipstad Eddie Shipstad World and Master Rated Figure Skating Coach
Fabbiana was amazing! She took the time to walk through everything with me and answer any questions I had. The process was smooth and quick! And now I’m saving $300 a month! Rachel Rosenblum Associate Director
Fabbiana did an amazing job of guiding me through the refinance process. After considering working through my refinance options with another organization, it was clear to me as soon as I spoke with Fabbiana that working with her and Spire Financial would be a much better option. ... READ MORE Sam Holz Managing Director
Fabbiana is incredible. From the moment we reached out to her to start the loan process she was highly available and incredibly knowledgeable. She took time to call us and explain anything and everything about the whole process. She was even available for text questions to help get ... READ MORE Scott Crawford Senior Software Engineer
Fabbiana was instrumental in my success when shopping for a new home. She was incredibly knowledgeable about everything I asked her during the pre approval process, the offer writing stage, as well as at and before the closing table. She was incredibly helpful detailing all line items ... READ MORE Will Fowler Will Fowler Account Manager
I can’t say enough great things about Fabbiana! She worked diligently with me to get me the best rate possible and was always patient and accommodating. She went above and beyond to close the loan on my first home, and was able to get my loan closed ahead of schedule under ... READ MORE Lexi Shryack Marketing Manager
Fabbiana was the best! She was able to help us answer literally every question we had from start to finish and did so with a great attitude. We could not be happier with our new home and it was all made possible with the help of Fabbiana and the Spire team! Jack Pedersen Senior Accountant
Especially as first-time home buyers, my partner and I were so happy to have worked with Fabbiana. She came highly recommended to us from a colleague and we would recommend her to anyone else who's in the process of buying a home. She friendly, responsive, informative, and very ... READ MORE Ashley Taeckens-Seabaugh First-time home buyer
One of the qualities we look for in a loan officer is "Trust". Trust is imperative when dealing with a lending institution. Fabbiana was detailed in her communications concerning what was a positive and negative situation for us during this process. Besides her honesty we ... READ MORE Keith George Harrison, Jr. VP of Managed Markets
Fabbiana was fast and efficient. Every question or concern was handled with speed and professionalism. The process was painless with her eye for detail. She was able to get us a below market rate and the whole process was seamless. Anna O'Connor, Ed.S. Special Education Teacher
Fabbiana was amazing. I highly recommend her. Dina Fitzpatrick
Fabbiana clearly went through the refinance process for my wife and I and helped us understand how Spire Financial measures up to other companies that we were comparing with at the time. I highly recommend going in to meet with her face-to-face and have her go through your refinance. ... READ MORE Jaime Carolina Licensed Insurance Agent
Fabbiana was a great loan officer. She was always available to answer any questions that we had and explained the processes thoroughly, as we were first time home-buyers. She was personable and so easy to work with; we were thankful to have her recommended to us! Katy De Pena Software engineer
Working with Fabbiana was a pleasure. Ms. Progar is a true professional and a great communicator. Her attention to details and ability to co-ordinate and work with multiple parties was very useful since this was an out of state transaction. If the opportunity arises I would reach ... READ MORE Kevin Fuller
Fabbiana is extremely knowledgeable and handled all of our questions and concerns with ease. She not only helped us secure financing for our new home in a fast, friendly , expeditious manner, but she made sure every dollar we brought to closing was utilized to our advantage leaving no ... READ MORE Michelle Nagel Tax Accountant
Fabbiana was one of the greatest assets to our process of getting our dream home. She was very detailed and very quick to answer all of our questions and concerns. When asked about options she was quick to give us what we were looking for. She went above and beyond our ... READ MORE Nathan Petersen Client
Fabbiana was great in our refinance! She was very patient and thorough explaining everything to us during our first refi. The whole process was quick and easy once we got everything together on our end. I have already recommended her to my co-workers. Thanks Fabbiana! Kyle Murphy 1st time refinancer
Fabbiana helped us buy our first home. We decided to try to refinance and our obvious choice was to work with Fabbiana again because of her professionalism and dedication to her clients. We were going through some busy times in life and Fabbiana made sure our refinance went through as ... READ MORE Dale Home Buyer
Fabbiana did a great job! She was very helpful as I went through the home buying process for the first time. She was extremely responsive, made herself available anytime, and always made things clear. Carlo Salvinelli
Fabbiana was great to work with. She helped me refinance my home.....not much fuss, and just what I asked her to do. She's very detail oriented, and an awesome communicator. Michelle Shunk
Fabianna is Fabulous! We got a great rate and closed in three weeks. She is thoughtful, thorough and respectful. No games, no surprises; THIS is how home lending SHOULD be. I’ll gladly refer everyone I know to her. Thank you, Fabianna. George Moyer
Fabbiana recently helped me re-fi my house and is amazing! She’s extremely knowledgeable and made the whole process very simple and painless. She was in touch frequently to keep me updated on what was happening and was always available to answer any questions. Fabbiana is an ... READ MORE Alberto Soto Executive Chef
My wife and I met Fabbiana through our realtor when we were buying our first house. We appreciated how friendly and responsive she was while guiding us through the process of getting a mortgage. It’s so important to trust your loan officer and to feel comfortable to ask ... READ MORE Andrew Habig
Fabbiana stepped in as our lender after we were already under contract on our house. She was able to secure a much better rate for us and we were still able to close on time. Throughout the process, Fabbiana was incredibly responsive via all forms of contact (i.e./text, call, email), ... READ MORE Daniel Silberman Home buyer
Super helpful and very timely about responses and paperwork! Highly recommended. Grant Ours Budtender
Fabbiana did an AMAZING job with our recent house purchase. Not only was she ALWAYS on the ball when it came to responding to questions, but she also truly cared that we had an enjoyable/knowledgable experience while working with her and Spire. She's the perfect example of what ... READ MORE Shamus McNutt President FlowState Marketing
Fabbiana did a wonderful job with my loan, and was extremely responsive and helpful throughout the entire process. Not only was the process easy, but she brings tons of industry knowledge to the table. 10/10 would recommend! Patrick Dinges
Fabbiana made my initial loan for my house and a later refinance eazy-breezy. It was never stressful and things were always made clear. She responds to messages immediately, comes up with solutions fast, and makes sure you understand each step of the process. She even responded to ... READ MORE Jason Harlacher Specialist
Words can't express how helpful, genuine, efficient, and professional Fabbiana proved to be throughout the process of securing my first home mortgage. She took the time to personally talk through loan details to ensure the best term, interest rate, and down payment scenarios, ... READ MORE Matthew Prok MD
Fabbiana did an absolutely incredible job with everything to do with my purchasing a first home! She was incredibly clear about each step and made sure that I had all of the information that I needed. When it became clear that getting me a place was going to be a competitive challenge, ... READ MORE Lynn Daniel Client
Working with Fabbiana and her team exceeded my expectations. She was prompt...followed up with me through the entire process...and then showed up at my closing to make sure I was happy. I would highly recommend her for any lending process. Ken Reinig President / TheInsuranceGuy.com
Fabbiana was extremely helpful throughout the entire loan process. She was quick to answer questions and help ease my mind. We had a unique situation, and she was flexible and able to help us navigate the process from beginning to end. I really enjoyed working with her! Stephanie Schwindt Financial Compliance Auditor
Fabbiana has helped me with two home loans. She is always quick to respond, professional, and very organized. Her team is also great. I would refer any friend or family member to her. Amy Kissinger Realtor
Fabbiana did a fantastic job! She answered all my questions and made sure I understood anything I wasn’t clear on. A great person to work with. Thanks so much Fabbiana! Timothy Mlack
There are not enough stars in the rating to show how amazing Fabbiana and her team were during our home purchase process. Being first time home buyers we were sure the process would be nerve wrecking but with Fabianna our process was so smooth and easy. Her attention to detail and her ... READ MORE Dwayne Brophy
Fabbiana was very knowledgeable and informative while also being kind and personable. She is very familiar with how to get you the best loan options and was always willing to talk me through concepts when I needed it. She is very approachable and invested in your success! This was all ... READ MORE Jessie Wright
Fabbiana was absolutely wonderful! She was always available to answer questions or discuss any part of the process. She really put in the effort to make sure I knew all of my options and was able to find the scenario that best suited me. I would recommend her to anyone since she made ... READ MORE Krysti Kiesel
If it were possible to give more than 5 stars I would. I truly appreciate all the work Fabbiana put in on my behalf, I spoke with several loan officers and no one came close to her subject matter expertise and overall professionalism. She's an absolute rockstar who got me a great ... READ MORE Daniel Vaisberg Customer Success Manager
If I could climb to the top of my building and shout from the roof top about how amazing Fabbiana and her team are I would. She went above and beyond every step of the way. She was readily available and walked us thorough everything, She answered my multitude of questions with great ... READ MORE Jill Hirt
Fabbiana is awesome! She helped us get into our new house so quick and easy. She is always available and is so helpful. I highly recommend working with her! Katie Gebhardt
Fabbiana was amazing and I would highly recommend her. She was professional, detailed oriented, proactive, and a calming presence throughout the buying process. I will definitely use her services again if/when I purchase another home. Thank you, Fabbiana! Lara Blackwell
Just finished closing on a place and have to give a huge credit to Fabbiana on helping make the whole process very smooth from the start. She was very attentive and quick to respond to all my questions. I highly recommend working with her and would gladly refer her to anyone looking ... READ MORE Jeff Lair

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