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ABOUT JOSEPH ERICK WIGGINS

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

Thank you Joe for doing our loan. We got a good rate and good loan terms. It was a smooth transaction. You are truly a hard act to beat! Thank You also to Diana Alvarez. JJ and Lovina Cabrera Realtors
Joe and his Team are quick and efficient in everything they do. They answered all of my questions and were very patient with us during our process. The customer service provided is top notch. I will continue to use them in the future for our loan needs. Thanks Guys! You're the best! Charles & Danielle Peneyra Parts Advisor
10 out of 10 across the board - communication, smooth process, friendly and courteous staff, professionalism, and knowledge. Stuart Nichols Realtor
Excellent! - Appreciate the updates and keeping all agents involved and up to date. Karla Gonzalez Realtor
Excellent Communications. Great follow up by Joe at all levels. Very satisfied by all services. Alfredo Gama Spirits Expert
Joe Wiggins and his Team are very patient and professional. We were kept well informed through the whole process and they made the process as smooth as possible. We felt that they were there to represent us and they did a wonderful job in doing so. They had some very steep deadlines ... READ MORE V. Aceves Medical Professional
I am very satisfied with Joe's Team. They are very efficient and professionally, especially Joe Wiggins. We closed the escrow on timely manner as He predicted. I was on Christmas holiday vacation, but the team at AmeriFirst relentlessly worked in the background. Once again, ... READ MORE Leo Daso RN
Joe and his Team did an awesome job completing my loan! They were thourough in their explanation, making the process simple, especially considering that we were first time homebuyers. Thanks Joe! Dion S. Professional Photographer
My husband Albert and I were very satisfied with the overall experience we had working with Joe Wiggins and the Amerifirst Team. The service and attention we received from them completely exceeded our expectations. Joe kept us well informed everyt step of the way and made it a point ... READ MORE Elizabeth Mendoza
I'm just very thankful to have been able to refinance and do my financial papers with Joe. I'm so impressed of how fast and how patient and understanding they were with my whole situation and YES I will recommend you to anyone that's refinancing their house. Veronica Flores Education Professional
Joe Wiggins made our experience an amazing one. He met and exceeded our expectations. His friendly and relaxed way of doing his work for us made us totally comfortable and confident. He should run for office, we would vote for him. Christine Turner Medical Professional
Excellent service! Very smooth and easy. Thank You! Melvin Hooper Purchase Customer
Joe, Everything went excellent, we worked with 3 different loan persons and they couldn't make it work. You came in and in four weeks we had our home with no problem. Thank you for your hard work! Juan Gutierrez Foreman
Everybody talks about how painful & hard the escrow process is. We didn't experience this AT ALL. We were told that Joe could close in 21 days or less and it happened. Their whole team was awesome and Joe was patient with our late night and over weekend concerns. I would ... READ MORE Michael Asencio Director
My experience with Joe and his team was excellent. Joe delivers what he commits to and doesn't disappoint! I highly recommend Joe and I will use him again for future transactions. Robin Gossage Manager
I feel everything was handled in, and lined up the way we were told, from the beginning to the end of the loan process. Robert Williams IS Tech
Joe Wiggins and his team provided great customer services with their attention to detail and frequent communications. I feel Joe and his team are looking out for the speaks volumes. Amerifirst Financial's greatest assets are their employees and these folks are great! Joseph Bradley Building Management
Thank you for your wishes Joe. We will for sure treasure and enjoy our new house every day. Me and Imelda would like to use this opportunity to THANK YOU for your professionalism, dedication and your great communication that you and all your team has simple. You deliver on your ... READ MORE Victor and Imelda Martinez Business Owners
All I can say about Joe Wiggins is that he was amazing to deal with and I will recommend him to as many people as I possibly can. Scott Jackson Foreman
Joe has been excellent in helping our family with our new home. He was always available when we had a question and responded very quickly. He was always there for us when we needed him. Jamie Cabrera-Lim PA II
Very easy to work with it was a pleasure joe thank you for helping me purchase my first home and to others highly recommended Anonymous
Our experience was very professional and quick . Highly recommend working with Joe . Tami Bolduc Rn
After shopping around for mortgage loans. Joe Wiggins gave me the best deal and he was willing to listen and work with us even if our situation was a little bit atypical since I have another house under my name already. He was organized, thorough & professional, as well as kind ... READ MORE Lalaine Pestano Rubi
It is our first time buying a house and it has been a very exciting and wonderful experience for us. We’ve heard from people that buying a house is a headache, but that is not the case in ours. Our real estate agents were excellent and that only means they team up with excellent ... READ MORE Marc Rubi Sales Assistant
Joe and his team are great. They did everything in there power to make sure I was comfortable with every step that was taken in the transaction. They answered any and every question that I had and got back to me with emails, calls, etc in a very timely manner. There was never a ... READ MORE Tavell Tavell Homeowner
I have reached out to Joe Wiggins for several loans over the years. He is incredibly helpful and professional. The biggest thing I look for when working with a business professional is integrity as it is the most important quality I need to trust the person and process. Thank you Joe ... READ MORE Marlene B Middle School Principal
Having been highly recommended by an industry associate whom I've known for over thirty years, I put my trust in Joe to handle a transaction that was important for my family. From the initial contact through the entire process Joe and his team ensured that everything was accounted ... READ MORE Donna Turnidge Senior Information Assurance Technologist
Joe, Was Very Accommodating With My Busy Schedule And Always Went Out Of His Way To Make Things Easy For Me. (As I Hate Paperwork) Buying A New Property And Getting The Right Deal Is Very Important And Joe Came Highly Recommended !!! He Did Not Disappoint. I Would Recommend Joe To All ... READ MORE Tony R Parsons Tony R Parsons President @ Future Molds Inc
My family has been using Joe and his team for many years. We have used them for new purchases and refinancing. Joe along with his team, have made the process go smoothly for us every time. I highly recommend Joe, he is well prepared and has many years of experience. John Bicondova Law Enforcement
I have known and have done business with Joe Wiggins for over 20 years. Joe brings a high level of experience and knowledge of the loan industry. Whether you are looking for a refinance or a purchase loan for a new home, I highly recommend Joe Wiggins. John Perez Senior Vice President
Joe Wiggins was amazing. He was very helpful through a very stressful process. He made everything so much easier to deal with. He would always answer any questions I had. I would definitely recommend him to anyone. Thank you Joe! Denise Alvarez Denise Alvarez Rental Representative
Joe did a fantastic job making a complicated process easy to understand. Always willing to answer all my questions with the utmost patience. I would recommend him and AmeriFirst to anyone. Jacob koslofsky Customer
I have worked with Joe Wiggins for years. He is our preferred lender because he is honest, thorough and dilligent. I used him for my own loan, I have sent my family to work with him and I trust him. I trust Joe to do cross qualifications on all of my listings. Most importantly, Joe ... READ MORE Trevor Simpson Realtor
I first did business with Joe Wiggins in September 2009 for the purchase of my first home. Joe treated my wife and I very well we had tons of questions and our credit wasn't exactly on point but he recommended a few things that we could do to build it up. He kept in contact with us ... READ MORE Gilbert Reaza Assistant site manager
I first did business with Joe Wiggins in September 2009 for the purchase of my first home. Joe treated my wife and I very well we had tons of questions and our credit wasn't exactly on point but he recommended a few things that we could do to build it up. He kept in contact with us ... READ MORE Gilbert Reaza Assistant site manager
Joe, is one of the most professional and knowledgeable people that I know. His vast knowledge of his products has made him one of the best lenders I know. That is why he is not only one of my lending partners but, most importantly he is a great friend. Thank you Joe for being there for ... READ MORE Anthony A. Andre Vice President Ticor Title Company Inland Empire
I have worked with Joe Wiggins for years. He is our preferred lender because he is honest, thorough and dilligent. I used him for my own loan, I have sent my family to work with him and I trust him. I trust Joe to do cross qualifications on all of my listings. Most importantly, Joe ... READ MORE Trevor Simpson Realtor
Very professional banker who actually listened to my needs. With so many bait and switch lenders I can truly say that Joe is straight up and down like 6 o'clock. He also took the time to explain everything my man broke it down like a fraction. So follow the smart money and call this dude up. Anthony Adams Retired
Very professional banker who actually listened to my needs. With so many bait and switch lenders I can truly say that Joe is straight up and down like 6 o'clock. He also took the time to explain everything my man broke it down like a fraction. So follow the smart money and call this dude up. Anthony Adams Retired
Joe did such a GREAT job for me I brought my youngest Daughter in for a loan on her very fist home because I knew he and Diana would do a trusted and professional loan and service for Her and They came through with flying colors. So if anyone is contemplating a loan from Joe you will ... READ MORE William Simpson Retired Automotive General Sales Manager
Joe wiggins made my home mortgage experience easy and stress-free. Joe explained everything thoroughly and was always available throughout my loan process. I would highly recommend joe and his staff at Amerifirst to anyone interested in a mortgage. Tara Brandel RRT Tara brandel Tara brandel Registered respiratory therapist
Joe did a great job with our mortgage. Our mortgage was a bit different due to buying from family. Joe handled all the paperwork and kept us up to date all the way through the process. I would highly recommend Joe to anyone that is ready to buy there home. RYAN C RIGBY
To whom it may concern, Joe Wiggins is a highly trained professional who is always willing to help or answer any questions a client might have. I feel very comfortable with Joe in dealing with financial matters that concern my household. Joe is always there to help and always gets ... READ MORE Alfredo Gama Alfredo Gama Wine Warehouse Spirits Specialist
We have now used Joe's services for (3) loans. He has always exceeded expectations, resp9nds quickly, and keeps me informed throughout the entire process. Our realtor commented, "he is the best broker we have dealt with." Angelo Purpura VP Operations
The level of service, knowledge and professionalism received by Joseph Wiggins is second to none. The aspect of his service that myself & my clients appreciate the most, is the time he spends up front with each client reviewing loan options and credit worthiness. Spending ... READ MORE Shereece Monroe Realtor
Through an incredibly stressful time, Joe and his team were there for me every step of the way. He went out of his way to make sure we were able to purchase our home. My girls and I thank him and his team from the bottom of our hearts!!! Jennifer Gonce
I highly recommend Joe Wiggins and his team. They walked me through each step of the loan process. All my questions were answered quick and understandable. I would definitely use them again. Linda Monroe Finance & HR Associate
I highly recommend Joe, we was very knowledgeable and helpful through the entire process. MARK SCHMITZ V.P., Nu-Cal Pipeline Corp.
Joe is amazingly accessible. The home buying and loan process is stressful and confusing. Questions (well reasoned and/or silly ones) come up all the time and it's great to have someone like Joe who can be reached easily via phone or email and who answers your questions. I've ... READ MORE Amir Alemzadeh
I though Joseph and his crew were very fast and efficient. I had plenty of questions regarding my loan process and Joseph took the time to answer everyone of them. I would come up with different scenarios of what kind of loan, how much to put down, How does doing it this opposed ... READ MORE Tony Long Retail Clerk
Joe and his team were very professional and prompt. Throughout the entire process Joe was in contact with me and my wife guiding us through a refinance. This made the entire experience very easy and stress free.I would definitely recommend Joe to my family and friends. Jason Long Finance Manager
We were already approved with another lender and had been looking for a home for seven months and finally decided to make a change and go with another realities. Within a week we had found our home. Our new realities suggested to use Joe Wiggins and his team so that this time around ... READ MORE Mark De La Vega
We were in the process of purchasing a home from another lender. We had started this process in November. 5 months into the loan - after I had paid for numerous inspections ( that i found out later were not necessary) they told me that FHA was no longer doing loans in Wrightwood and ... READ MORE Merri Ronquillo Merri Ronquillo teacher
 

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