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Brent A. McDonald

Senior Mortgage Planner


Direct Phone: (480) ***-****       

Email: b***@***.us

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1550 E. McKellips Rd. Ste.117

Mesa, Arizona 85203

United States

Company Description

AmeriFirst Financial Inc. - Established 1989, Arizona. A vision of growth that changed our company. It all started back in 2001 when the father and son team of Ken and Eric Bowlby acquired controlling interest of AmeriFirst Financial, Inc. and brought w ... more

Find other employees at this company (548)

Background Information

Employment History

Financial Peace

Prime Lending Inc

President and Owner

Ironwood Lending Inc

Web References (45 Total References)

BNI Arizona - ChapterDetails - BNI BNI Biltmore Power [cached]

Brent McDonald AmeriFirst Financial, Inc.

"A discount point is a cost ... [cached]

"A discount point is a cost that a borrower pays to 'buy down' their interest rate," said Brent McDonald, senior mortgage loan officer at Amerifirst Financial in Scottsdale, Arizona.

Calculating a discount rate is simple: One point costs 1 percent of the loan amount, explains McDonald.
But this is an uncommon scenario, says McDonald. "Few people keep the same home or the same mortgage for the entire term," he says.
"One must buy down the rate during the purchase or refinance transaction," McDonald says. "Once the loan is closed, the terms of the instrument can't be changed without refinancing, which is costly."
The only qualification is that you have the money to buy the discount rate, he explains. However, discount rates aren't as popular as they once were.
"Back when rates were much higher, people were more inclined to pay extra to buy down the rate," he says.
Are there any additional perks to discount points?
In addition to lowering your rate and monthly payments, discount points have another major perk: They are fully tax-deductible. Why? Well, they're considered upfront interest by Uncle Sam, says McDonald.
Also known as prepaid interest, the IRS website says if you are eligible to deduct the interest on your mortgage, you may be able to deduct the cost of buying discount points, too.
"If you are filing married or joint income taxes in 2013, and your household income is $75,000, you would be in the 25 percent tax bracket," says McDonald. He says that every $1,000 paid for discount points equals a $250 tax deduction.

George's Blog: I Don't Want My Credit Pulled Because It Will Lower My Credit Scores! [cached]

Posted by Brent Alan McDonald (AmeriFirst Financial Inc.) about 3 years ago

Seems it's always the borrowers with a 500 that are worried about lowering their scores with an inquiry. If they'd only put the same amount of thought and worry into paying their bills on time...! And I agree with Brent (above) that the window for mortgage inquiries is actually 45 days to allow for 'shopping'.

Posted by Brent Alan ... [cached]

Posted by Brent Alan McDonald (AmeriFirst Financial Inc.) over 1 year ago

Brent and Nick, thanks for your kind words.

Brent Alan McDonald ... [cached]

Brent Alan McDonald (AmeriFirst Financial Inc.)

Brent: We just all need to think....and be careful

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