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ABOUT TIMOTHY LACYK

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
  • FHA/VA/USDA

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.

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Estimate

$1,341/mo
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.

SEE WHAT PEOPLE ARE SAYING ABOUT US

I wouldn't have been able to get through the financing process without Tim. I tried so many different avenues to get here and he was extremely helpful and answered every question. Christen Wilcox Accounting Specialist
Tim was fantastic!! Replied almost immediately to any question I had, regardless of the time of day. I highly recommend him and his staff and will be doing all my future real estate purchase with him. Anonymous
Can't say enough good things about Tim Lacyk.... His knowledge, efficiency, courtesy, and willingness to go above and beyond come to mind in recommending him to others. My husband and I used him to secure financing for us to acquire a new home before selling our existing home -- ... READ MORE Linda Kirkpatrick Linda Kirkpatrick
Tim helped me purchase my first home and I can’t be more thankful! The process was seem less, well managed, stress-free and fun! Tim was always able to answer all my questions and calls. I can’t be any more happy about choosing Tim as my lender and buying a home through Amerifirst! Ashley O’Grady Sales & Operations Manager
 

Let's accomplish more together.

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