Karen Jones

Senior Mortgage Loan Officer

480-339-1577  kjones@amerifirst.us

NMLS 307015  |  AZ Lic 0914383

Protect Your Transaction: What You Should Know


Karen Jones, Certified PYT (Protect Your Transaction) Home Loan Specialist is proud to announce the new way of preparing for a home loan. Have you ever wanted to be sure that your home loan was going to be accepted prior to purchasing your new home?  If yes, then PYT is the program for you.
So what is Protect Your Transaction?  What is PYT?  PYT is a service that will be changing the real estate industry, one loan at a time.
Protect Your Transaction (PYT) - $15,000 Lender Performance Commitment!
With $20,000 of protection for our Veterans, Nurses, Teachers and First Responders!
Protect Your Transaction provides all parties to a real estate transaction with peace of mind that the Lender will deliver on its commitment to close on time. Take a moment to learn more about PYTSM in this article, and then ask the obvious question:
"Why would I use a lender that doesn’t provide a PYT Commitment?"
Certified PYT Lenders commit to the following: *  Lender will issue a loan commitment upon Credit Approval from Underwriting.  The quicker you get your documents in, the quicker we can obtain your Credit Approval. *  Lender will pay up to $20,000 in the event a transaction is canceled by Seller due to Lender’s failure to fulfill the terms of the loan commitment. Why PYT Was Created? When real estate is bought and sold, both the Buyers and Sellers rely on a Lender Pre-Approval before committing to open escrow.  The Buyers incurs certain up-front expenses (including inspection, appraisal, and HOA certification fees).  These expenses may exceed $1000 in total.  The Sellers will also incur out of pocket expenses, as they are already making plans to buy their new home once their existing home sells. Additionally, the Real Estate Agents on both sides of the transaction continue to expend significant effort, providing their professional advice and ensuring that their respective clients’ interests are protected throughout the transaction. Essentially, all parties need to have confidence that this sale will indeed happen.  Prior to the inception of PYT, if the Lender failed to fulfill its offer to lend, the lender was not financially responsible. A Certified PYT lender puts its money where its mouth is, giving all parties a firm commitment and assurance that the transaction will close as expected!
Have you ever heard of a Lender putting up to $20,000 of real money to back up its loan commitment?

Have you ever worked with a Lender who will give you transparent online information as to where a Borrower is in the loan process? With PYT, you now have this peace of mind! Real Estate Agents have a fiduciary duty to obtain the best price and terms for their clients. In a competitive bidding situation, more than just the offered price will be considered by the Seller; the terms and conditions of the offer make a material difference in determining the “best” offer. Real Estate Agents should recommend a Certified PYT Lender to ensure the strongest possible offer – not just in price, but in the probability of closing.

How PYT Benefits Buyers
As a Buyer, you should know that Sellers frequently receive multiple offers on their home.  The Sellers of your potential new home are typically purchasing a new home for themselves and may base their decision as to which offer to accept on whom they believe is most likely to perform (i.e. close escrow on time).  Presenting your purchase offer with a PYT commitment will assure the Seller that your creditworthiness already been approved by your Lender and that your Lender is willing to back that approval with up to a $20,000 performance assurance. I encourage you today to contact a PYT certified lender. Start the home buying and home selling process from a position of strength knowing PYT is behind you.


After all - It’s your transaction make sure it’s protected.
How do I get started with the PYT process? Please feel free to contact Karen Jones, a PYT Certified Mortgage Loan Officer at AmeriFirst Mortgag.e, a division of American Pacific Mortgage  Karen Jones, a Licensed and Certified PYT Mortgage Loan Officer, will guide you through the steps and ensure that your loan package is properly prepared.  Once your PYT Home Loan is credit approved, then you can shop with confidence knowing you have a Home Loan....now you just need to find that perfect home. Where can I read the "fine print" about PYT? For more information, please visit Finally, there is a Lender who is willing to put its money where its mouth is!
P.S.  Not all loan officers are PYT Certified.  Therefore, as you research your choices of loan officers, be sure to ask about the PYT Certification.
Looking for a Certified PYT Realtor?
If you need a referral to a trained PYT Realtor, Karen Jones, Certified Home Loan Officer would be happy to make introductions for you.
"Buying a home today is an extremely detailed process and having your home loan ready upfront removes unnecessary stress which allows your home buying process to be more enjoyable."
Look for a Realtor with who is PYT Certified.  Contact Karen Jones and she'll recommend some of the best around!

Bring back the joy of buying a new home with Protect Your Transaction.

Serving Arizona for over 40 years!


Karen Jones, a Licensed Mortgage Loan Officer (NMLS 307015), is located in  Scottsdale and has been serving Arizona with their home lending needs for over 40 years.  As a Certified Mortgage Advisor, Karen is dedicated in ensuring that her clients are well educated and prepared for their new home loan decision.   AmeriFirst Mortgage, is a Division of American Pacific Mortgage and Karen Jones can be found at the Grayhawk Branch which is located in Scottsdale, Arizona. 

The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Karen Jones does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.  Karen Jones will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation. AmeriFirst Mortgage, a Division of American Pacific Mortgage Corporation- NMLS 1850.

 Karen Jones is a licensed loan originator at AmeriFirst Mortgage, a division of American Pacific Mortgage Corporation. Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral.



Karen Jones 
Certified Mortgage Advisor
NMLS 307015 |    AZ Lic #0914383




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