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I am a fourth generation Colorado native, and no - I don’t ski. I do, however, have deep roots in our community, having spent over 10 years working in sports and leading community and alumni relations. When the lending world came calling it was a huge change but well worth it. As the world of home financing becomes more complex, it is important to have a lender that can work through all the details of each scenario. No two clients are the same and it is important to select a lender that will take the time to invest in finding the best solution for a client's future. Buying a home is an exciting time and I absolutely enjoy being a part of it.

I hold an MBA from the University of Colorado and an undergrad in Finance from CU as well. I live in Henderson, CO with my wife Nichole and son Leo, and have another little one on the way. My hobbies include all and only revenue generating activities… the boss definitely reads this stuff. Back to work!

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.


Matt DeLuzio set the example for his co-workers and peers to emulate. His outstanding execution of duties as a loan officer was evident as he prepared all documents quickly and accurately which resulted in a smooth transition for our move. Special thanks to Matt and his team for a job ... READ MORE Michael & Deena Hartell Security Specialist
Matt and his team did an awesome job at getting me and my family financing for a new home effective and efficient thank you Matt and your team Brandan A worthan New owner
AmeriFirst financial did a great job helping us to buy our home. From the beginning to the closing they were available when we had questions. Matthew DeLuzio was in constant contact throughout the process keeping updated on our status. Caitlin Locascio (loan processor) and Joe ... READ MORE Anisha Thomas Homebuyer
Matt and his team were extremely helpful and professional and timely. When we had any questions or concerns, Matt was always willing to assist, running numbers on properties literally any time of day when asked. Offered us multiple scenarios to consider as well as recommendations. We ... READ MORE Paul Fisher
Matt did an excellent job for me and my wife when purchasing our new home. He was courteous, professional, and willing to go above and beyond to meet our deadlines. Our loan was contingent upon our other house selling first and Matt and his team were willing to work up several ... READ MORE Bryan Jay Herman Electrical Supervisor at Denver Public Schools
My husband and I really appreciated Matt and his team as they walked us through purchasing our first home. They made the process very easy and smooth. We especially appreciated how quick they were to answer any questions or concerns we had during the process. This is a great team to ... READ MORE Yasmine Hernandez
Matt is super easy to talk to and work with. He simplifies the options and processes in a calm, soothing way, which is great since financial topics can be a bit stressful to begin with! I had a great experience and highly recommend using Matt at Amerifirst. He has a fantastic team, also! Jan Atkin Cabinetry Sales and Design
Matthew was absolutely amazing he and his partner Keenan we're extremely helpful and eager to make buying a home totally stress free!!! We closed in only 1 month and the process was actually very enjoyable!!! I have so many great things to say about Matthew and keenan i would ... READ MORE Danny and kaelyn Cichowski Danny and kaelyn Cichowski
Matt and his team are awesome to work with! They actually made the whole process seem easy! It was very quick also and they kept us up to date all along the way. I can’t recommend them enough! Becki Milligan HR Manager
Matt was awesome and helped us get approved on a very short deadline! Craig Cameron Engineer 4
Matt and his team were amazing to work with! Matt and Keenan took the time to answer all of my questions, explained everything to me and helped us achieve our dream of owning our own home! Keenan got to know me so well that before I could even read what was sent over, he was calling me ... READ MORE Laurie Hoffman Director of Catering and Events
Matt and his team were very through and answered the many, many questions and last minute issues we had at closing. Good job by all. Brian Fairrington Director of operations
Matt and his team helped my husband and I get into our dream home. His team worked hard to get us exactly what we needed to get our home locked in to fit our needs. You can tell Matt's passion and heart was in the journey every step of the way, he worked with integrity, honesty, ... READ MORE Erika Christopher Homemaker
Matt and his team were absolutely amazing at helping me achieve my dream of becoming a homeowner. Christopher Torres Christopher Torres
I would highly recommend Matt and his team. They were amazing! Working with them was the easiest and fastest transaction I have ever done. They kept me informed every step of the way, very helpful, nice and sincere. Thank you Matt. Wanda Durkes Home Buyer
Matthew and his team were wonderful to work with! The loan process went very smoothly and they were there to assist or answer any questions I had. They even helped me find an inspector and went above and beyond that of a loan officer. I could not have been happier with the process! Rebecca May Marketing Manager
Matt was easy to work with and thoroughly answered all my questions. The whole team was responsive and attentive. They really made sure the closing went smoothly. We would definitely recommend Matt and will use him again in the future! Beth Rail
Matt was a tremendous help to my husband and me while we worked towards finding and purchasing our first home! He was recommended to me by a friend, and was eager to meet with us over coffee to redivision our options and answer any questions I had. As this was a completely new and ... READ MORE Heather Abreu Heather Abreu Teacher and Home Buyer
From the get-go, Matt was extremely helpful getting my fiance and I all of the correct information that we need. The rest of the team that we worked with was also phenomenal in communicating all of the required information, that we wouldn't have otherwise known about being first ... READ MORE Jarred DeHerrera Business Development
Matt really went the extra mile to make sure I had the best possible loan for my situation. Counting refinances, this is my sixth mortgage and I can easily say that the best and easiest experience acquiring a mortgage has been with Matt and AmeriFirst. Go with him, do not hesitate! Amanda Boyd Senior Manager
Matt, Keenan, and the team were the best mortgage team I have worked with so far! I've done this 3 times now, and they are by far the best! Very patient and very helpful. When I'm ready for my next home I will be working with these guys for sure! Matthew Laramy Internet Director
Matthew and his team is top notch. In communication with me through the whole process. Even with some snags in the process, they worked even harder to resolve the snags. True professional and takes very good care of you. Highly recommended. Michael Flores
Matt was kind, sincere and most of all very knowledgeable about the advice he has given me. He is genuine in his approach and I have learned more from him in 1 hour than all my other financial advisors put together. Anyone that I know who is wants to buy a house I will recommend them to Matt. Edgar Carlis Case Manager
Matt and his team did a great job with my loan. Every step of the process, they were detailed, professional, caring and patient. Matt made sure I understood the product options and the next steps. He took the time to make sure it was the right fit for me. I appreciate his attention to ... READ MORE Greg Sales Manager
Buying a home can be quite the challenging task. I myself am a first time home buyer. What seemed to be an impossible mission actually turned out to be easier than thought. Over the span of the entire loan process, I had numerous questions. Matt answered them quickly even on nights ... READ MORE Bryan Boisvert
Matt was so patient, even with my silliest questions I would most certainly use Matt and his team again. Great people Karen springer Associate
I would definitely recommend Matthew. I am from England and was quite unfamiliar with the home loan process here as it is very different to UK. Matthew patiently answered all of my questions and concerns. He is very professional in his work. He understands his clients needs very well ... READ MORE F Khattak IT Consultant
Matt was super helpful every step of the way. Answered all my questions quickly and kept in touch each time we hit a new milestone. It was a pleasure working with him and his team. Robin LaCorte
Matthew Deluzio and his team, as always did a fantastic job! This is our third home now in the last ten years we have purchased/refinanced using Amerifirst. He is always on top of things, quick to respond with answers to our questions, and very thorough. Aaron Stanek
Matt was helpful and available throughout the entire process of closing on our new home. Michael Homan Owner/Operator
I really enjoyed working with Matt I would recommend him to my friends and family Tiffanie Lilyblad
I was referred to Matt and would absolutely recommend him to anyone! He is so easy to get ahold of and always answered my questions promptly. He was honest and gave me ALL of my options for which loan to choose. He closed my home loan in 2 weeks with zero stress or problems! Melissa Nylund
Matt was very patient and knowledgeable throughout our whole transaction. Matt and his team worked very quickly to ensure our mortgage was approved for our quick closing. We were kept informed throughout the whole approval process. I would definitely recommend Matt to any of my family ... READ MORE Kelsie
Matthew was a huge help with it came to my financial questions! He gave be truthful advice and I was able to make the right decision for myself. Brittany Lewis Brittany Lewis
Matthew was kind and professional and I was extremely pleased as everything went just as he said it would Great job!! Robert Burke Plans examiner
Matt is the BEST! He made our home loan process so easy and hassle free. Matt is extremely knowledgeable and made sure we understood all of our options! He took the time to walk us through every step and made sure to explain the details of our loan in layman’s terms. My husband ... READ MORE Haylee Radeke
Matt was recommended to us by a close friend. When we asked to meet after work hours, Matt was completely open to it. We ended up talking until 7pm but Matt never grew impatient with us as we asked thousands of questions. Matt and his team were incredibly responsive, answering emails ... READ MORE Amy Harris Program Assistant
Matt helped me purchase my last home which was hassle-free due to his hard work. Since then he has provided stellar financial advice with a friendly, professional demeanor. Craig Elliott
Matthew and his team helped my husband and I finance our first home. We were amazed at how thorough and efficient his team worked to get the perfect mortgage for us. They were very responsive and made the lending process seamless. With their relentless motivation and current lending ... READ MORE Jennifer Quann HSA/ABLE Supervisor
Holy smokes what an amazing transaction. Matt helped me refi and get the most out of my loan. Couldn't have been an easier transaction. Very professional and quick. I will be using him for all of my home finance needs from here forward. Anonymous
Matt is very knowledgeable and gets to know you and your needs so you can make the best decision for you and your family. He is patient and answers your questions in a timely fashion. I would recommend and have recommended Matt to all of my friends and family. I have used Matt ... READ MORE Brian Police Officer
Matt is an incredible resource. He walked me through financing the purchase of my home a few years ago as well as my current refinance. He truly looks at my best interests and finds the right approach to benefit my family. His knowledge of the industry is unmatched and his ... READ MORE Anna Mariotti
Matt and his team can definitely pull some strings to get things done. They came in Half way through our original close date and we were set to close the same day and anticipated with another lender. It took them 20 days to conplete our loan process and get our house closed. They were ... READ MORE Kimberly Duarte Homeowner
Matt was great from start to finish. He answered any text or call from me promptly and made our first house buying experience special. I would highly recommend him to any of my friends or co-workers. Cody Martin General Manager
Just got a loan from AmeriFirst and was extremely happy with the personal service and attention we received from Matthew DeLuzio and his colleagues!!! We had tried 3 other banks and were not successful in getting a loan but Matthew DeLuzio came through for us and he was so easy to ... READ MORE Patrice Winkelman
Matt and his Team are Outstanding and work diligently for their clients. Easy to reach and VERY responsive, which is not as common as it should be these days. On a recent transaction, Matt and his Team went the extra mile to assure loan approval for my client with a very difficult ... READ MORE Dawn Norfleet REALTOR
Matt was a real pleasure to work with. He got everything accomplished in a very short amount of time and I could not have been happier with his service. I would 100 percent recommend him and use him again. Miles Pryce Project Foreman
Matt Thanks for helping Stacy and I refinance our home we really appreciate all your hard work and effort to get this done as soon as possible without any hiccups. John Frerichs Business owner
Although I never met him in person the whole process was flawless and simple. He went over all the loan options available to me and assisted with getting the right one that fit our budget. His assistant Keenan was AMAZING! He kept me on my feet with getting all the documentation ... READ MORE Rosemary Fierro Asst. Director of Human Resources
We tried refinancing with some less experienced lenders and had no luck. Matt has the experience and knowledge that we couldn't find in the past. Being a business owner with a 1099, it was difficult getting approved. Matt was able to put us into different options with our ... READ MORE Wes Matthews Home Owner
Matt DeLuzio was wonderful! Easy to talk to, available, answered all my questions and just overall a great person to work with. Thank you Matt! Lisa Boomhall
Matt was the first lender I have talked to who was positive about everything. I had a couple of old issues on my file and he was not concerned one bit. Matt and Keenan are both very attentive to your questions and probably two of the most thorough people I have dealt with. I can ... READ MORE Jeff Bejarano General Manager
Matt did a great job for me. I would recommend him to all my friends. He is the best I have ever dealt with Donna Mastrioa
Matt was wonderful to work with. He spent countless times on the phone with us discussing loan options. He has great communication skills, and he even came to our closing date to make sure that we didn't have any further questions. We would definitely recommend him! Jason and Julie Sefcik
First time home buyer and he treated use like family. Never made use feel like our questions were dumb. Great guy. William Valentine
Matthew was wonderful to work with. He was patient and was always there if we needed questions. As first time home buyers, he helped explain a lot of information that we didn't understand. I would highly recommend him! Kelly Fitzpatrick
Matt did a refinance for us in June and it was great. His customer service was top notch. I worked in the industry for many years and was so happy to find a loan officer that actually responded to customer questions in a timely manner. I would recommend Matthew DeLuzio to anyone ... READ MORE Rhonda McPherson Homeowner
Matt was a wonderful help during the process of buying my house. He knew the answers to my questions and always responded to me quickly. I would recommend him to my friends and family! Michelle Stickel
Matt was professional and efficient in how he handled our financing of our mortgage. I'm happy to recommend him to others. Jim James Wright Database Administrator
Matt and his team were extremely easy to work with. They got everything together in a timely fashion, and explained what we should expect throughout the process. We are now enjoying our new home... I would absolutely recommend Matt for any mortgage services you might need. I hope ... READ MORE Rebecca Currie Security guard
Matt conducted himself with the utmost professionalism. He was always available by call, text and email both during the week and after hours, including weekends. Matt clearly knew what he was talking about and had a lot of patience for the mass amounts of questions we asked throughout ... READ MORE Ryan Minatta Sr. Financial Accountant/Analyst
Matt was great throughout the entire process and helped my wife and I to purchase our first home! As two people that have never been through the home-buying process before, we were very lucky to have Matt involved. He made sure everything went smoothly, and his responsiveness and ... READ MORE Kevin W Benninger Attorney
When my wife and I decided to look for a home we began to work with another loan company. Within 48 hours I had decided that I would not use my VA loan and continue to rent. Our realtor suggested Matt, and I will be honest I was simply not interested. My wife and I had some pretty ... READ MORE Ron Peva
Matt recently helped us refinance my home. As you know...the process of refinancing can be long and tedious. Matt always communicated with us about current and upcoming stages. Matt was also very informative gave print return phone calls and emails. I would use Matt's services ... READ MORE Kevin McKenzie CEO
Matthew was wonderful, he always had an answer to my question, whether it be via email or phone. He was always available when a question popped into my mind even late evenings and weekends. He is very knowledgeable and easy to work with. I will be referring family members and friends ... READ MORE Veronica Gonzales Senior Paralegal
Matthew was professional, accurate, responsive and timely, and extremely pleasant to work with. Great guy and I'd work with him again should the need arise. Many thanks! Teressa Ellis Principal
Matt did a great job on helping me buy my home. He really made it quick and easy. I'd recommend him to everyone Scotti Rizzotto Project manager
Matt is AMAZING! From day one he has been so helpful, responding to my questions almost immediately, walking me through everything step by step, reassuring me when I was stressed about things. He was even in touch while he was on vacation with his family. He made me feel so comfortable ... READ MORE Laura Wuchter
Matt was amazing! Super helpful and made buying a house a breeze! He was so easy to contact and always answered all my questions in a short amount of time! I would recommend him to anyone looking to buy a house! Kandice schweda Salon manager
My husband and I recently purchased a home out-of-state, and had the pleasure of working with Matt DeLuzio and his team. We were very pleased at the thorough nature in which he and his underwriters worked to make our purchase smooth. Great experience overall! Terri Ley
Matthew went above and beyond to make our experience painless and simple. Would highly recommend him and his team. Gary Clark Owner
Matt is awesome to work with! Would look forward to working with him again. Shaleen Shah
Matt was recommended to me by a mutual friend. After they heard of the struggles I was having with another lending company. After meeting with Matt and going through what I was trying to accomplish with this once in a life time deal that was very unique. I knew that he was the ... READ MORE Calvin Ford
Matt was extremely helpful in providing answers to any questions I had and walking me through the entire process so I was comfortable and confident with my decisions. I would recommend him to anyone going through the home buying process. Daniel Roberts Supervisor
could not have been any better. Matt went overboard help with all phases of the refi. richard gasaway
As first time home buyers, finding a lender seemed like a daunting task. My husband and I received a recommendation for Matthew and couldn't be happier. He took any time he could to walk us through any question or concern we had for every step of the process. We were able to get ... READ MORE Kayla Arndt
When we decided to refinance our home, the first call that I made was to Matt. Matt and his team truly care about their clients and proved that to me as they went above and beyond their call of duty to get us the best rate and terms for our refi. The customer service was top notch and ... READ MORE Adam Friarson Homeowner
Matt is a true professional. He is patient and will talk thru all lending scenarios to make sure the fit is right for your personal situation. Matt is always available and the team he works with helps make the process as painless as possible. Plus he doesn't disappear after your ... READ MORE Shannon Rawley 2x client of Matt's
To Whom it May Concern: Matt DeLuzio was recommended to me by my realtor, Julie McCollam, as someone who would be able to help me secure a loan. I feel fortunate to have met him as he was instrumental in my real estate purchase, and I would go so far as to say that I would probably ... READ MORE Brian Anglim Project Manager, Century Communities Construction Company
Matt was extremely thorough and helpful. He was always prompt and was able to get us all the information about the best ways to finance our home purchase. Never once was he the slowest link in the chain to buy a home and was always available via phone and text. Highly recommended. Turner Walters Home Buyer
Mathew was great! He is very honest and very helpful with all our needs and questions. I would highly recommend him. Shane Shane hargrove Measurement technician
Matt was recommended to us by our realtor, David Wheaton, and we couldn't be happier. Matt made the process as easy as it could be, answered all our questions very quickly and thoroughly, and smoothed out all the rough edges. We're happy with our new home, and thanks! Wade Bradt Wade Bradt Instructional Designer
Matt DeLuzio did an amazing job of helping my husband and I decide if we needed to move or refinance so that it was the best for our family. He gave us several different scenarios and was patient with our decision making. Once we made our decision, Matt helped us with each step to ... READ MORE Victoria A Dare
Working with Matt was really great. He made the purchasing and refinancing of our home seamless and simple. He was upfront and honest about everything and was able to explain confusing items in a way that made us feel confident that he knew his business well. He responds quickly and ... READ MORE Jennifer Rynearson
Matt Diluzio was great! He was able to get the ball rolling on my approval when another lender was telling me that I needed to wait! This made it possible for us to start searching for a home sooner and we found our home shortly after! He saved us thousands of dollars throughout ... READ MORE Jason Brooks Jason Brooks
Matt helped us when we purchased our home and recently when we refinanced. He went above and beyond to help get us qualified and stayed in contact with quick responses to run numbers for us as we house hunted. The re-fi process was super quick and easy. Matt is very trustworthy and ... READ MORE Danica Kerber Receptionist
I would highly recommend working with Matthew DeLuzio for any home loan. Three years ago he did a great job when we purchased our home. He helped our son purchase his first place and still kept in touch with us and helped us to save money with refinancing our home this fall. Thanks Matt. Karen Caravas
I used Matt to recently re-fi to a 15 year mortgage. Matt was very professional and quick to respond. The whole process took just a couple of weeks from start to close. I got a great rate, and I am very satisfied. Jim Ames homeowner

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