A Smarter Way to Get a Mortgage.
Powered by AI. Backed by People.
Get pre-approved faster, understand your options clearly, and close with confidence — with smart technology behind the scenes and real experts guiding every step.
A Lender You Can Trust
Any deal. Any borrower. Backed by the agencies.
Non-QM Solutions
- Bank Statements
- DSCR
- Self-employed income
Down Payment Assistance
- First-Time Buyers
- Local & State Programs
Specialized Programs
- Complex borrower scenarios
- Investor-focused options
Not sure what you qualify for?
Every option. Your best fit.
Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Meet Sophia,
your mortgage guide
Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.
Client Experiences
Trusted by families nationwide
Janan was an absolute pleasure to work with, communication throughout the process was fantastic and I will be recommending her to everyone I know going forward.
Communication is very clear and they explain everything. They make sure to ask if we understand every step of the process.
John made it great with his communication and friendlyness. He was also very knowledgable about the process and any questions I had.
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