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Kelsey Skrbina Hellner

Mortgage Loan Officer NMLS ID: 1241323


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 / 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.


Kelsey was absolutely wonderful!! We reached out to Kelsey when we first started thinking about buying a home and we felt we were no where ready. Kelsey was very patient with us, explained everything to us (multiple times), not once did we ever feel pressured. Kelsey ended up working ... READ MORE Allie Aguilar
I've bought over 10 houses in my many years and this was by far the easiest purchase ever. Kelsey and her team were very through and helped me threw the process all the way to closing. Sometimes, it gets a little annoying answering all, what seems like silly questions, but Kelsey ... READ MORE Lawrence J Kasa IBM Technical Support
Kelsey is fantastic, and it was an absolute breeze working with her. In my short home purchasing experience, she had proven that this process can not only be easy, but painless as well. Kelsey and team took all the hard work out of the process and made it incredibly simple. On top of ... READ MORE Ryan Artz Global IT Director
Kelsey is fantastic, knowledgeable, and truly cares about her clients. I have worked with her for the past 4+ years and always rest assured she will take great care of people with regards to their mortgage needs. She is proactive in getting folks the best possible scenario whether ... READ MORE Megan Atkins Realtor
This was our first home purchase and it probably goes without saying but it is a very difficult, long and confusing process. Kelsey made this process amazingly easy, whether taking phone calls or text late or just clearly explaining things in a way that we could understand. We are very ... READ MORE Nick Medina
The process of closing on the property I bought was uncomplicated and went very smooth. We arrived early and the notary was ready with the paperwork to be signed. She answered the questions and was expeditious. When the sellers showed up it sits not take long and it was done without ... READ MORE Adolfo Barrps
Working with Kelsey was a great experience. She kept me informed of everything, answered all my questions quickly and always made herself available to me no matter what time of night it was-even at 9:30 at night when I had a crazy question for her. I would recommend Kelsey to anyone I ... READ MORE Bradley Young Associate, Business Management
Kelsey was extremely helpful during our entire loan process. She was quick to respond to all of our questions and we truly feel as though she got us the best deal possible. We would definitely recommend her to anyone looking to get a loan. Benjamin Zand Project Engineer
Kelsey was amazing. She was always available and answered all of my questions and gave her honest recommendation when I asked. The process was so smooth and effortless. We could have asked for a better for first time home buying experience. Sierra Cannon Sierra Cannon Office Manager
Great communication, and very friendly....would do business with her again. Gary palm Airport agent
Kelsey was superb in helping me navigate the loan process on behalf of a client. She offers expert advice and guidance and can be counted on to ensure clear lines of communication. I'd recommend Kelsey to any future client. Laura Nixon Broker Associate
Kelsey was super informative, kept great lines of communication, helped with every question and more we may have had and was fun to work with! Great personality, this one. Thanks again Kelsey! Felix Falzarano Felix Falzarano First time home buyer, Uber manly
Whats not to say? Kelsey, did an amazing job throughout our entire time working together on a file. Fantastic communication. I always judge a great lender by the amount of questions the buyer asks me about money. The buyers never asked once which means Kelsey educated the buyers far ... READ MORE Bruce Karle REALTORĀ®
Kelsey is always so great to work with. She helped my husband spencer and I with our first home and just helped us with our new one. Kelsey is very efficient and always available to answer any questions we have. We love her and will definitely recommend her to friends and family. Thank ... READ MORE Roxanne Park Stay at home mom
We found Kelsey to be prompt, thorough, creative, and efficient - professional in every aspect. Roger Walker individual investor
Kelsey has been wonderful to work with. I am so impressed with her communication and quick responses. I highly recommend Kelsey for any of your lending needs! Robin Repola RealtorĀ®
Kelsey was amazing in helping me purchase my first home! The whole AmeriFirst team worked together seamlessly, and were amazing about communicating with me throughout the whole process. I highly recommend Kelsey! Bailey Spicer Bailey Spicer
Kelsey was great. She was always available for any questions that I had, and I had a million since it was our first home purchase. She was very upfront with our pre-qualification, and didn't try to sell us on more than we needed. We gave her our budget and she went with that, even ... READ MORE Klint Avant
Kelsey is a priceless resource. From start to finish she helped my wife and I every step of the way. She explained everything thoroughly and made sure we had everything we needed to get into our new home. This process would not have as successful without her. Aaron Post Home owner
Working with Kelsey made buying our first home a breeze! She is knowledgable and helped us better understand the home loan process. She was always quick to respond to any emails or phone calls and answer any questions we had. We hope to work with her again in the future. Krista Stanford Krista Stanford Registered Nurse
Kelsey is a great! She has the skills that I look for in a Lender Partner, local market knowledge, loan product knowledge, a desire to help people, and the ability to help her clients look at a mortgage as a long term financial decision, and make the best decision for them. Taylor Wilson Realtor
Kelsey was great for the first house we bought and had been just as great, if not better for the purchase of our second home. She’s a great team player and her communication has been so appreciated throughout the process! Ashley Miller
Kelsey was amazing. She was recommended by a friend after our other loan officer failed to assist us with a better rate. She was professional, informative and walked us through every step of the process. We couldn’t have been happier! Morgan Starr
If anyone is ever looking into buying a house then they must reach out to Kelsey. Kelsey is a pleasure to work with, knows her business, is patient, and willing to help you in anyway possible. It took us over a year to finally get refinanced but she was patient with us though the ... READ MORE Jerady Overton
Kelsey is amazing. We got into a situation with a loan officer who was being extremely pushy and telling us we would lose our house if we didn't sign all of the paper work immediately. I reached out to Kelsey that day and that was the best decision I made while buying our house. ... READ MORE Steven Matthews Director of Sales and Business Development
Kelsey and her team were amazing to deal with. Being that my family was involved in the Mortgage lending industry for over 21 years, it was evident that Kelsey had extensive knowledge of her products and business. From the initial call to the final closing, she was extremely ... READ MORE Travis Griffin
Kelsey has been involved with a lot of my clients loans over the past several years. She has always been professional, knowledgeable and flexible in her hours. Something much needed in our market over the past several years. Never afraid to work weekends, send approval letters late ... READ MORE Robert Blase Real Estate Agent
Kelsey has always been nothing but PROFESSIONAL with every transaction that we have done together. Her determination to make sure that not only her clients but her Realtors as well are taken care of throughout every single step of the transaction is truly amazing! Her communication ... READ MORE Daniel W. Skrbina Daniel W. Skrbina Realtor
Kelsey handles herself very professionally and her communication is impeccable! I highly recommend her because of her high regard for helping the transaction close successfully as well has her integrity and communication. She works hard so you do not have to worry about your loan! Casey J Hogan Casey J Hogan Real Estate Agent
Kelsey is a true professional and an expert in her field. My clients are always happy with her service, she makes the process easy and closes on time. I trust to recommend her whenever possible. Sandra Jiampetti Sandra Jiampetti 5 stars!
Kelsey has been outstanding in the transactions we have worked together. She always has solutions and keeps the client updated continually throughout the process. Most importantly she gets the job done and clients are extremely happy with her work. Look forward to additional deals ... READ MORE Gary Gosz Gary Gosz Real Estate Agent
Kelsey bends over backwards and goes the extra mile to help her clients. She is amazing at her job and we plan to work with her as long as we can! V. M. Client
Kelsey is great with customer service and loves her clients. She is very upfront and honest and she always makes sure her clients are in the best program for their individual needs! Taylor Bunney Realtor
Kelsey was very helpful through out the process of purchasing my first home. She was very sweet and patient. She went above and beyond at several points in the process. I would highly recommend Kelsey if you are purchasing you first home or you’re and experienced home buyer. Chris Pappas Career consultant
Kelsey was fantastic to work with and made the whole loan process seem much less intimidating! She made sure I knew what was happening the whole time and never got sick of the many questions I asked. I would recommend her to anyone! Elisa Schauer CrossFit Coach
Kelsey was great to work with! Very professional and was always quick to respond to my many requests for more/new information! Kristin Leiker Account Manager
Kelsey is an amazing loan officer that outworks all of the competition. I feel comfortable recommending anyone to Kelsey because I know they will be in good hands with her! Tim Walker Managing Broker
Kelsey helped us get into our current home and refinance our loan to drop our mortgage insurance and get a better rate. She is unbelievably responsive, personable, and I would never use anyone else when it comes to home financing! Jessica Eagan
Kelsey was the rock throughout my first home-buying experience! She was very efficient and knowledgeable about all of the questions and concerns that I had. As well as friendly and sensitive to my situation. There was never a time of day that I could reach out and her not respond ... READ MORE Cassidy Belville Lead Archive Analyst
Kelsey did a great job communicating throughout the real estate transaction process. She always hit her deadlines and was very proactive with respect to making sure my clients felt comfortable with the figures involved in their loan. Justin Pfeifer Realtor
Kelsey has been my loan officer of choice for many years. Her high degree of professionalism and proficiency is what struck me most in handling my clients and making sure that they reached the closing table with the most amount of confidence and the least amount of stress. She is ... READ MORE Peter Cerf Broker/Owner Cerf and Associates LLC Realty
Kelsey has been one of the best people I have worked with. Her dedication to you and your loan is amazing. She was in contact with us every step of the way and has always been quick to respond to any questions and concerns. She has been available to us even on the weekends and on ... READ MORE Mark Barrs Operations Manager
Kelsey went above and beyond for me and my family to get us all the information and forms we needed to get into our first home! Very friendly and responds quick to any questions! I recommend kelsey to anyone who is looking for a stress free and smooth transaction Adam muck Technician
Looking to join to families together is a difficult task, setting up and finding your dream home to make that happen can be a full time job. Yet Kelsey has knowledge, and customer service skills beyond recognition. Her support in finding the right fit for the purchase was amazing. ... READ MORE Alex Pedross Wholesale Parts Consaltant
Kelsey, very pleasant to work with, quick to respond and detail oriented. Will use her again and would be happy to recommend her to friends and family. Sylvia Ekasari Estimator
Kelsey was extremely responsive and flexible for what we needed. We recommend her. Paul and Sylvia

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