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I joined The Spire Team at AmeriFirst in 2014, and with more than 15 years of experience in the lending industry I am passionate about helping my clients realize their dreams of owning their home while earning their trust. In my free time, I enjoy the outdoors, traveling, and most of all spending time with family, friends and my fur baby, a German Shepherd rescue named Maddox. Also, I’m actively involved with the Denver Home Builders Association, Winter Park Chamber, Grand Lake Chamber and numerous charities throughout both the Denver metro area and across the Real Estate community. Follow me on my Lending Adventures at #WhoNeedsaMortgage?

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.

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30-Yr Fixed / 4.25% Interest
  • Principal & Interest $949
  • Property Tax $250
  • Homeowners Insurance $58
  • Mortgage Insurance $84

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.


Can’t say enough great things about Abby and her team. She always seemed to be available to answer our questions and was super quick to get answers to things she had to check on. And of course every part of the process went very smoothly. We highly recommend her. Tom Sakowski
she and her staff were helpful and patient all through the process. she was available and guided me whenever I would call kathleen (kate) wilkinson
Abby was absolutely fantastic from the very first second we met with her! She gave us overview and a plan of how we would attack the loan side of the equation. We knew what to expect from the very beginning and because of her process, we were able to field a more competitive offer on ... READ MORE Spencer Dierenfield Spencer Dierenfield Security Professional
Abby and Team were fabulous in getting us through the process to an on-time closing on our recent home purchase. Communication was excellent as they kept us appraised of our progress each step of the way. It is nice to work with competent and enthusiastic people. Thanks Abby and Team! M and S Vaniman Retired
Working with Abby to buy our first house was an absolute pleasure. Within minutes of writing the offer on our house, Abby was on the phone with the listing agent working for us to show we were a well qualified buyer. In a competitive market it is crucial to have your lender working for ... READ MORE Travis and Emma Wilcox Real Estate Broker
Abby made the transition for buying a home in another State very easy. Her continues communication was invaluable and made us not worry about the process. We would use Abby and Amerifirst at any time again and highly recommend her. Paul & Margit Porter
It was a great experience working with Abby. she is a wonderful and nice person to work with , She explained everything I asked her that I did not understand in detail and answer all my questions. I really recommend her for your next purchase on your home. Thank you Abby and your team! Silvia Monzalvo HR
Abby and her team did a great job with my mortgage, managing complications and overcoming obstacles to get me closed ahead of schedule. Thanks Abby! L Halvorson
Abby and her team were great to work with and helped me during my first loan/home buying process. Her team was patient with my questions and the digital process allowed me to do everything remotely while I was on vacation. Lauren Page
Abbey was incredibly responsive, professional and very knowledgeable. She took the time to explain things and left me confident that we could complete a two week closing without issues. I highly recommend Abbey. Sarah Truitt Sarah Truitt Manager
The entire experience with Amerifirst was excellent. We previously had a long process with a major bank in getting approval. Abby and the Amerifirst Team were very helpful in ensuring our documents were complete and underwriting had what they needed for a seamless close. Abby went ... READ MORE Tim and Janet Leyden Second Home Purchase
Abby has done three loans for us, to date. Having been a Mortgage Company President, I've had people who do what Abby does working for me in the past. All I can say is she's the BEST in the business!! All three of our loans have gone through without so much as a hiccup. When ... READ MORE Chery Edwards Chery Edwards Property Owner, Prior Mortgage Company President
Abby was amazing! She helped me refinance my house and was there for me every step of the way! Alicia Murray
This was our first time buying a home and Abby made it wonderful! She was with us the entire time answering all of our questions and made us feel very comfortable working with her. She made herself available 24/7 and we also appreciated working with her assistance, Alec. We ... READ MORE Ellen and Eric Mear
Abby and her team went above and beyond. They put in time outside of business hours to make sure they gave us the best service possible. Tom and I are both in the customer service field and understand exceptional service. Abby is amazing! Thank you. Tom and Julie Simon Regional Sales Manager
I have worked with Abby and her team twice in the last year financing two properties. Each time they were speedy and excellent to work with. On the most recent property Abby was able to get our loan processed and closed in under 30 days. Additionally, Abby is very pleasant and fun to ... READ MORE David Carnahan Client
No one tells you how difficult the process of buying a home can be. Abby helped make that process so much less stressful for me. As a contract worker, I had previously faced some challenges with other lenders questioning my finances. Abby met those challenges head on and assured me ... READ MORE Brittany Rogers Registered Nurse
I recently worked with Abby on a new loan and she made the process easy, smooth and very organized. I was very pleased with her service and that of all the support staff. Thank you Abby. April Kovari April Kovari President
Abby was absolutely amazing during the entire process. Denver is a very hectic market alone, add in a very busy time for my work; it was the perfect storm. However Abby and her team went above and beyond what I would ever expect to make it to the closing table... literally. She was ... READ MORE Matt M Matt M
Abby was a lifesaver for me while I was buying my first home! I had a million questions and she was always available. I truly feel she went above and beyond to make me feel at ease during my first home purchase. Definitely a 5 star review from this happy home owner. Thanks so much Abby! Julie Stein Store Manager
Abby did a great job processing our loan in a compressed time frame. She and supporting staff were helpful and always professional. It was a pleasure doing business with Abby and i recommend her to everyone. Keith Grace
I can't recommend Abby enough! She was extremely helpful throughout the entire home buying process. This was my first time buying a home and she made easy, answered all my questions, and remained flexible from beginning to end. If you are in need of a smart, helpful, personable ... READ MORE Neil Wood
Abby did an amazing job of helping us acquire a loan to purchase our home. She is incredibly professional, responsive, knowledgeable, and personable. I'm grateful that we had her expertise and care throughout the process. You can feel confident that Abby will go above and beyond for you! Sarah Nolan Buyer & Realtor
I was so overwhelmed and uneducated about the ins and outs of purchasing a home. I was so nervous that I might come across someone who may try and take advantage of me. After my first conversation with Abby, all those worries went away. She was there every step of the way, answered ... READ MORE Tameka McMillan
Abby and her team are amazing. Abby is very knowledgeable, professional and brings it to a personal level when working with her clients. Abby and Sarah were there to answer any of my questions and to calm me with any concerns. I don't feel my home buying process would have gone ... READ MORE Crystal Young Crystal Young New Homeowner
Abby and her team were great to work with on the purchase of our new home. They communicated very effectively, educated us on the process, and were quick to answer all our questions. I would highly recommend her. Erin Ramaker
Abby and her team were great during the the loan process very thorough with any questions I had. I am a first time homeowner and they made the process easy.. Robert Murray Happy homeowner
Abby and her team were great to work with from start to finish. They were always available to answer any questions we had and always kept us informed throughout the entire process. Definitely recommend calling her if you need any financing needs! Ben Ramaker Senior Geologist
Abby was fantastic to work with on the purchase of our new home. She guided my wife and I along the whole process and we greatly appreciated all of her help. I would highly recommend Abby when looking for a loan officer for the purchase of your new home! Ralph Townsend Business Owner
Abby and her team worked very hard to get our loan approved. Even had our rates lowered in the middle of the process! I would recommend Abby and her people to any one wanting a strong hard working team that always do their best. I will definitely be calling Abby again when its time ... READ MORE Kioni Arend
Abby was amazing to work with during our home purchase. From pre-approval to the final funding, she was with us every step of the way and we could always count on her being responsive and thorough. We highly recommend Abby. Tim Hanft Director of Marketing
Abby and her team worked with us to get the best rates for refinance. They were professional and timely relative to all communication. They made the process absolutely painless. I would highly recommend her to anyone that is looking to purchase a home or refinance. Donna Weimer Donna Weimer Donna Weimer Health Care Consultant
Abby and her whole team where fantastic to work with throughout our home buying process! They were always available to answer our questions and worked tirelessly when problems in our loan approval arose. Abby was upfront with us, kept communicating every step of the way, and never ... READ MORE Sara Sylvester Home Buyer
Abby is amazing. I recently listed a condo in an area Abby had just provided FHA lending for her buyer. I had several questions before I took the listing as they were in litigation over defective roof shingles. Abby has been so helpful throughout the process. She is very ... READ MORE Jodi Randa Realtor
Abby has been my lender for several of my clients and did an absolutely terrific job. She kept my clients informed on every step of the transaction. Her communication is outstanding and each closing went very smooth. I highly recommend Abby if you're looking for a lender that is ... READ MORE Marc Blitstein Ion Real Estate Broker Associate
Abby is the best! I have a lot of experience in the mortgage industry, and working with loan officers, as I was previously the President of Silver Falls Mortgage. It was my job to hire LO's and manage them. Of all the Originators I've known, Abby is clearly one of the best. My ... READ MORE Cheryl Edwards Cheryl Edwards Retired Mortgage Company President
Abby was terrific to work with, had a can-do attitude, presented many options even when it seemed impossible to make the purchase happen. Through professionalism, friendliness, and willingness to listen, we were able to close a deal that I was satisfied with. Thanks Abby. Robert Analyst
Abby is so awesomeeeeeeeeeeeeeeeeeeeeeeee!!!! Rock Navarkal, M.D. Owner
Abby was a tremendous help the purchasing of my first home. Her and her team made the process as smooth as possible. They're were quick, efficient, and on top of things at every step of the process. Abby was always available to answers any questions or address any concerns I had. ... READ MORE Jo Sweeney
Abby was very responsive. She had great attention to detail and even better communication along with very competitive rates. I would highly recommend her to all of my clients!! Alex Kumm Closing Agent
We recently used Abby for financing a second home. She was a model of efficiency and responsiveness, willing to respond quickly to our many questions and always following through on her promises. She also worked hard to get us a reasonable mortgage rate. I recommend her without reservation.' style='font-weight: bold' target='_blank'>READ MORE Harold Skramstad
Abby McDaniel made our last home buying experience simple and easy. We've gone through the process several times before, so we were a bit surprised how Abby and the Amerifirst Financial team made the entire process worry free. Abby was always available when we had questions ... READ MORE Joe Adler Home Buyer
Abby did an amazing job as my clients lender! Abby is professional and very knowledgeable! She worked with me for over a year with the same buyer and she never gave up! It so important to find a dedicated lender that will get you to the closing table and that is what Abby aims at and ... READ MORE Liesel Wilbur Realtor
Abby helped my wife and I purchase a condo in Grand Lake. The financing was complicated due to problems with meeting federal guidelines. We went through several options and finally arrived at a good solution. It was all a result of her persistence and knowledge. JOHN W CHAMPION PRESIDENT WEST HORIZON ADVENTURES IN
As a first time home buyer, Abby was incredibly helpful and prepared me for all steps in the home buying process. Beyond that, she was always available to me to answer questions or discuss any worries that I had. She was well versed in the community which I bought in and went above ... READ MORE Shawn Bruegger
I was very impressed with Abby and her professionalism. She was a joy to work with and made my transaction smooth as silk. I highly recommend her services as she helped make this difficult process much more tolerable. Stephen Calder
Abby has helped many of my real estate clients obtain home loans with mountain properties many of which are" less than conventional." From Single Family Residences to Condos, Abby has gone the extra mile to notice the details and used foresight to anticipate issues before ... READ MORE Lisa Simpson Real Estate Broker
Abby is a very caring person. She takes a personal interest in the work she does everyday. She is easy to communicate with and is always available when I need her. Abby is very knowledgeable. She is able to answer any questions that I have or she is able to quickly get back to me ... READ MORE Andrea Matteo Teacher
I really appreciate Abby's enthusiasm, communication and follow through. She is great to work with! Donna H. Hansen Donna H. Hansen Realtor
Abby was always prompt and kept us informed of the transaction threw the process. Very timely with all information. Kyle Brown Broker / Owner
Abby is incredibly knowledgable and promt with her responses. I would highly recommend her! Christine Brozek Rehabilitation Counselor
Abby is responsive, professional, and really understands the lending industry. She provided thorough answers to questions and proactively shared loan details and status updates. The loan process was absolutely better with Abby's leadership and she is should be on your short list of ... READ MORE Chris A IT
Abby always does a great job for my customers. She is very efficient. I have the utmost confidence in her expertise. Will O'Donnell real estate agent Mountain Lake Properties
Abby is always pleasant and easy to work with and a real go getter! Donna Ready Broker Mountain Lake Properties
Abby was recommended to us through our real estate agent. After completing our search for a home in the Grand Lake area Abby took over and along with her assistant Sarah made the home loan process very easy. Once the approval was granted, Abby stayed in touch over the 60 day close time ... READ MORE Ted Kelly Assistant Fire Chief, Bennett Fire Rescue
Abby McDaniel was awesome. She was knowledgeable , personable and helpful throughout the whole process. She kept in contact and got us a great rate. We are so grateful to Abby and her team for helping us buy our home. Yvonne J.
Abby is a delightful professional. She has an engaging personality and makes all her know her feel at ease in as they enteract with her. She has knowledge in her perfessional career and is thoughtful in all her client relationships. Her word is her bond and she will deliver services ... READ MORE gene lavender retired school administrator
Abby did an excellent job helping us procure a loan for a condo in Colorado. Her response time was fast and always conducted herself in a professional manner. I would highly recommend Abby. Kevin Hughes Regional Sales Manager
Abby is truly professional, always there to help and explain information in detail. Absolute pleasure to work with and highly recommended. Tony Schacht Executive Chef
Abby explained the loan process thoroughly and completely during our very first conversation and was always available throughout the process to answer any questions that came up. Once I was approved, she made herself available late in the evening to process very accurate payment ... READ MORE Jeff Ruckman Jeff Ruckman
In 2015 our real estate agent Craig Cranston recommended we contact Abby McDaniel to be our loan officer. We are pleased to say Abby was very helpful. She made sure that the loan application and dead lines were met on time. We would recommend Abby to anyone who wants professional ... READ MORE Fred & Judy Koesel retired
Abby does a wonderful job of working hard to help every client. She always goes the extra mile for them and spends the time needed to help get to where they need to go. I would highly recommend her and have had the privilege of working with her numerous times over the last few years! ... READ MORE Dan Beck President, CMS
I work with a lot of home buyers and the mortgage loan process is a huge part of how smoothly the process goes. Abby is wonderful to work with!! She has a lot of great resources and is very responsive and accessible to them and the real estate broker on their team. She obviously ... READ MORE Julie Trivers Rimola Julie Trivers Rimola Realtor
I bought a second home in Granby, Co., (live in Florida) and Abby made the experience an awesome one. It was all a long distance transaction, but she was there with me every step of the way. She made herself totally available whenever I needed anything. It was almost like gaining a ... READ MORE Roberta Bush Farcas Retired, Florida DOC
Abby is AMAZING! She is honest, efficient, and very good at her job. She stays on top of everything and is very thorough. You'd be lucky to have her as part of your team! Joy Phelan Business Manager/Biologist
Abby was outstanding handling all our mortgage loan documents. She is all about providing superior customer service. Abby is very responsive, polite and handles all dealings in a professional manner. I would definitely use her again and highly recommend her. Robert (Bob) Lagana
It is my pleasure to recommend Abby as your loan officer! Buying a home is never an easy process; in fact it can be scary, but working with Abby and her team was a game changer. Abby made herself available when I had any questions or concerns throughout the lending process and ... READ MORE Kristyna Nedele Producer
Abby McDaniel was a pleasure to work with. As a first time home buyer I had a lot of questions and needed a little more explanation on some of the documents being sent. Abby was always happy to help and responded in a timely manner. I never felt like I was bugging her with ... READ MORE Allison Collins Program Coordinator
I highly recommend Abby as a loan officer. Abby is dependable, knowledgeable and persistent. She acted as a team with my realtor and together they directed me through the process of becoming a first time home owner. It took a special group of people to guide me through the process ... READ MORE Chad Boustany Prosthodontist
To whom this may concern: Abby McDaniel is a driven individual. She is very customer focused, and works hard to keep her customers happy. From my experience, Abby always answered my questions that I had, and would call me if any unexpected surprised occurred, which in the mortgage ... READ MORE Dieter Kowalski Lead of Technical Operation Specialist Team
We had a special situation for my purchase which made me a bit nervous. Abby and team did a great job of keeping my closing on task and on time. I really appreciate her organization and constant communication. It's my pleasure to recommend working with Abby! Ned M. Regional Sales Consultant
Abby is the essence of Professional. Experienced, Competent, Communicative, Responsive, and simply a delight to work with!!!!!!!!! Tod Franklin Tod Franklin Realtor/Broker/Instructor
Abby was great to work with. She is very helpful with any questions you may need. Karen Attson
Abby M and her team are phenomenal when it comes to taking care of my clients lending needs. Excellent communication, absolute professionalism, and keeping transactions on schedule, are just a few of the reasons that she is the lender I trust! Abby Matson Broker Associate - RE/MAX Alliance
Abby went above and beyond for us!!! We never thought in a million years we could get qualified to buy a home and well here we are!!! Now both retired and going to start a new life in the mountains at a most lovely home!!! Thanks to Abby we got this place and it is magnificent!!! ... READ MORE Jeff & Lael Chamberlain Retired
Abby McDaniel is very good at what she does. I would use her again and recommend her to anyone. She is a smart and beautiful person. Kevin L Stagehand
Abby was amazing to work with! She communicated well and consistently. She was there to answer questions from my first-time buyer several times, any time during the day. She was positive and happy and is wonderful to work with! I look forward to working with you again in the future! Rikki McAlister Real Estate Agent
As a single female, who had moved to Denver from Florida, and had never purchased a home, the home buying process was extremely straightforward and easy to comprehend because of how personable and helpful Abby was throughout the entire sale. Abby always had answers to my questions and ... READ MORE Brooke Maibach Sales Executive
I have bought a few homes now and have to say Abby was the most pleasant loan officer I have worked with. She helped me through a number of stressful situations and always took the time to talk to me when I called. My experience with Abby was outstanding and I would use her again and again. Steven Jackson Arborist
Abby was AMAZING to work with. From the moment I called to get information, she made me feel valued and I knew that she would work hard to help get us into our home. She made the process clear and she and her team were available 'round the clock to answer questions and calm our ... READ MORE Edwina Lucero Educator
Abby and her team did a great job in helping us secure the purchase of a property as well as a refi. Pleasure to work with and always there to answer any questions/concerns we had. Thanks so much! Don Meyer Owner, Colorado High Mountain Health, Inc.
My husband and I recently relocated to Denver from Boston and Abby was our loan officer. Our real estate agent had referred us to her as well as two others, and she was the first to reply to us and stayed responsive throughout the home buying process. She made it as easy as possible to ... READ MORE Allison Gaudreau

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