I used the "Toby Team" out of the Fresno AFN offices for my third home buying experience. They were the worst. Ever. Just really lazy and unorganized. They would ask for documents multiple times and communication was terrible. Our closing was pushed out several times while they got their act together. I echo the other reviewer's comments, this is their job, they should be pretty good at organizing a few bank statements and photocopies of driver's licenses.. I would suggest anyone looking for a mortgage to go right to the source, a bank. I contacted PNC out of pure frustration and was treated very well. read more

I've purchased/refinanced five times since 2002 in the SF bay area and this was the best experience of them all. Brandon and Aaron were very responsive and knowledgeable of the process. Loved the summary booklet provided at the end of the loan. If you're an experienced borrower and have shopped the rates I couldn't recommend a better lender. read more

While working for this company I have learned that AFN is a bank as any other and the branches are only as good as the people working there. I would say that out of all the branches and other companies I have worked for, the SKYPARK branch is by far the best branch. Not only because of the staff that gets it done no matter the hours that it takes but also the support system that helps our workers perform at their best. Anyone that had a bad experience at AFN did not go to our branch because we don't let a customer leave unhappy. We find a way to get the job done and figure out the needs of the customer then make it happen. read more

Alex is a pleasure to work with. He is very friendly, helpful and professional. His team was also very responsive through the entire process, which otherwise could have been very stressful. They walked me through every step of the home loan process and were always available for questions. I am so happy to have worked with Alex and the wonderful AFN team! read more

I did exactly as Michael F asked without receiving the actual contact method that I am to use in order to send them a direct message. I used the email address from American financial networks website 24 hours ago and no one has contacted me. Reminiscent of Justin. Angelo has also stopped emailing the impossible dream advertisement. read more

The nightmare of all nightmares. My loan officer, John V at AFN in Brea, CA, lead me to believe that my equity loan was secure before closing. I had already been fully approved by Quicken before John convinced me they'd be a better, more personalized company to work with. Regretfully, the negative things they told me that Quicken is notorious for pales in comparison to what AFN is doing to me now. What they didn't disclose was that long after closing, money disbursed, loan payments made... if they could not sell a loan right away they would threaten to rescind it. They could continue to ask for more and more documents which they knew I did not have from day one as an independent contractor. If I had known any of this, without question, I would have gone with a leading lender. Companies like Quicken can afford to keep the loans they give. Now AFN has put me in a situation where I could lose the house I worked so hard to purchase and improve before they came along. They are threatening to sue me and take away everything I worked so hard to achieve prior to their 'more personalized' assistance. Mr E. Fink called two months after closing telling me since they couldn't sell my loan, I had to supply additional documents or they'd 'find other ways'. He didn't mean to help me. He was eager to tell me this never usually happens to other customers. They want me to feel isolated as if I've done something wrong, though they qualified me for a loan legitimately based on their own guidelines and criteria. My credit score and payment history is excellent, they verified and reverified all of my documentation, subsequently closing and funding my loan. The peace of mind and assurance that you are secure under legal contract does not exist at AFN. In reality this happens with small mortgage companies more often than they will ever admit, especially with AFN. In our limited research we have already found many factual complaints (not paid-for review sites) where similar circumstances have occurred. One such customer happens to be a freelance writer in LA that I'm acquainted with. You can count on a very lengthy, detailed, nationwide articles to follow. We need to educate mortgage/equity loan seekers about utilizing these smaller companies of the nightmarish results they could face. The thought that there are lending companies such as AFN, that will make you jump through hoops for months and pay for appraisals, then wait for enough time to pass that your secured, funded loan has been disbursed to you to pay off possibly a note, credit cards, home improvement costs, etc... then spring something like this on you. Their sudden concern that there's not enough documentation to prove you can make your payments when that's exactly what you've done is highly suspect. Their aim is to force not only reimbursement of all funds borrowed, most likely by foreclosure of your home, but burden you with horrendous legal fees. Ironically, then you really can't pay your bills. Makes sense right? The ease in which they induce such a catastrophic event would be the financial downfall of most. It is beyond frightening and surreal. Rather than honoring and keeping one of their 'small loans', AFN has even gone so far as to discontinue sending payment coupons to stop me from making payments to solidifying their claim of default. AFN should be absolutely ashamed. With the help of an attorney I had no choice but to obtain and the CFPB, amongst others, we will continue to fight. We will also continue to share our experiences on every review site and social media venue available until this is no longer a hidden secret. read more

Claudia and her team were great handling the purchase of our new home. We had to wait to sell our old place (handled by a different lender) before closing on the new home (AFN) so this proved to be challenging with the scheduling. Even though several other people got the information to AFN late and the proceeds, she still managed to close pretty quickly given those challenges. Thank you for being responsive to emails, phone calls, text messages, etc. We really appreciate you guys going the extra mile! - Jon & Juli read more

Had a difficulty getting funded cause of some credit history. Neil anders is a amazing broker/lender , he helped us get funded and into our dream home when several lenders could not. Would HIGHLY recommend this group/company read more

One of the worst homebuying experiences I am sure I will ever encounter.. Keiron "Kj" Jackson assured me that we were in such a good position for a home loan although I didnt see us being ready til the end of summer.. I was working on credit repair and improving my husband and I score. He explained we needed to work on very little and then do a rescore to improve credit which we did as we were told. Found almost the perfect home for my family with a 30 day close... put up the earnest money, no problem. Sent all the paperwork. Really thought we were doing well. Spoke with this man several times a week in regards to direction.. what we were doing to improve our position when it came to making it to the finish line. Apparently nothing I did was right according to him and us not being able to close is my fault alone. I paid off a loan on my husband's credit that I actually warned this man twice that I needed to do before it was actually done and then my father in law added him as an authorize user on a capital one card... which i informed him about as well... What feedback I got was "o, okay. that would be great.".. "thats fine Mrs Ward" but when we rescored and it came in lower, delaying the closing, it was my fault alone. Not submitting my bank statements and not keeping us in the know that they were not submitted... our fault, not his... the underwriter said we needed $12,300.. okay, we have help.. real estate agent even stepped in to help, but its not KJ's fault at all. Its ours.. We asked before the option period expired, let us know if we need to cancel because we'd rather lose 1000 on appraisal and inspection rather than 3200 with the option and earnest money included..he said no, we're good Mrs Ward. We are houseless. Now the underwriters have came back with us needing $16,700 which we no longer have. Although Kj didnt see this coming but he has over 20 years experience in the industry!... It didnt hurt so much that we lost the money...What hurts is that we were sold false hopes.. This is one of the last major goals on my list. Ive took care of my children thus far even though they are still young but we made it through the hardest part (daughter's heart surgeries starting over several times because of domestic abuse from previous relationship), worked my way up from the very bottom, got a college degree, pushed myself to be more, encourage my spouse, an awesome husband and father, and Now nearly half of my IRA is just thrown away. 9 years worth of retirement.. 9 years of working ft, going to school ft and taking care of 3 children while I got very little sleep.. One man killed 2 dreams in less than 30 days. As far AFN, Kj represents this company as an employee so it speaks volume regarding the type of business they conduct. No one cares that we are without a home. We gave the landlord 30 days notice so we are without a home in more ways than one.. and we have lost 3200.00 that we now must try to save again and try again.. maybe.. if this is what mortgage companies do, I would rather live in a box than deal with these types of individuals. Thanks Keiron "Kj" Jackson for doing exactly what I asked you not to do. You dont deserve the one star I am required to give. read more

Terrible experience! I was approved in June and then denied in July for undetermined reasons. Customer service was nonexistent and they left me hanging for months. Buying a home is supposed to be the American Dream, but AFN has turned it into a nightmare. I highly recommend finding a competent lender and steer clear of American Financial Network. read more

I did not ask for your mail. I don't know how you think that I wanted your propaganda. Stop it. Loose my address. I will contact firms that I trust and I don't need someone from across the country sending me more junk mail. read more

Never again, finally over... Steven H jerked me around so much ...They called me so many times to get documents after document after document..Then we went to close, they had the wrong paperwork, had to go to close again... Then they told me not to make another payment on my current loan because we were going to close soon... Should've known better.. now my credit took a hit..I dealt with a guy in Raleigh...After being passed on by a local guy I used to trust. Hindsight being 20/20 I would've used an online company or the current people I was with... If there was a ZERO STAR I would've picked it. read more

HOME BUYER OR SELLER BEWARE! We placed our home on the market on August 10, 2017 and listed with a WONDERFUL agent who I will review in a separate review. She is the best! We received an offer from a couple represented by Donna Watson of Central Realty in Cedar Park, Texas. This agent said their buyers wanted to use a Georgetown Title company since they had a previous relationship with them. We said that would be fine. All in all the title company was fine throughout the process. Then is started to get really fishy. Something rotten? The buyer's agent, Donna Watson, chose her son, Allan Henry, whose company is American Financial Network, Inc. as the lender. Hmmmmmm...very interesting. According to Donna Watson, the close date was flexible based upon our, the seller's, needs. She indicated this in the email with the offer. We were going to find out very shortly, that Donna's close date was anything but flexible! It took the lender (Donna's son, Allan} at least 3 weeks to get our house appraised. Then closing was set for Oct 11. We knew, due to the lateness of the appraisal and the slowness of the lender, and Allan Henry's refusal to give accurate answers regarding the readiness to close, that there was no way the 11th would work. When our agent asked Donna Watson to push the closing back, she absolutely refused to change the date. She said her clients would not change the dates because they were living in a horse trailer. (We don't even know if she talked to her clients!) So we moved into a hotel, put all our furniture into storage (since our new residence would not be ready until January). We did NOT close on the 11th so we began the process of paying the hotel AND continuing to pay the mortgage. The lending company could not get the needed paperwork to the Title company in a timely manner, while at the same time telling our agent repeatedly that it is almost done. (Not true). The closing date kept getting pushed back multiple times. His mother, the buyer's agent, was no help at all. She tried to blame the fact that the appraisal came in lower than the selling price. This was resolved immediately. That was just an excuse for her and her son's incompetence. She would not answer the phone when our agent called her, she was rude, and when we mentioned putting the house back on the market, her response was "that's their prerogative". When asked by our agent for compensation for all the extra money we were having to pay due to their push to close on the 11th and her son's incompetence, she absolutely refused. Then she had the nerve to suggest that if we wanted compensation we could allow the buyers to move into our house before close and pay us $100 a day. I don't think so! We finally closed on the 20th after paying a hotel and our mortgage for 12 days since Donna Watson refused to move the original closing date from October 11. Her son, Allan Henry, was totally incompetent, did not have his own in house underwriters, and we found out was getting the underwriting done out of Obsidian Mortgage in Melbourne, Florida. Throughout the process, he continued to falsely indicate that things were ready, kept delaying the closing, was rude to our agent, and seemed as though he had no clue as to how to do his job. By the way, on the day of closing we had to wait for the mortgage insurance document. Allan's company tried to send an accurate document while we were sitting at the Title Company. After four separate attempts which were incorrect, they still could not even send on that had our names spelled correctly. This mother/son arrangement was inappropriate. Was she sending money his way by choosing him as a lender? A bit crooked? Who knows? What we do know is that this was the worst closing we and our agent had ever seen. So, in conclusion, AVOID using Donna Watson if you are approached by her as a buyer or a seller. Don't fall for the "sweet little grandma" type act. She is harsh, unethical, rude, and uncompromising. And if you are on the buying side, avoid Allan Henry with American Financial Network, Inc, Donna's son, at all costs. He is not able to do his job in an acceptable way. read more

Chris Moreno and Alexandria are amazing! They are professional and very efficient. I highly recommend them to anyone and I will definitely return! Thanks Chris and Alex for getting me into my first home!!! read more

They promised the loan but after 3weeks of processing near the closing date, they came up with cancellation of my loan. I had to extend my closing and change the bank. I still got the loan from different lender but lost time while working with them!!! I had a bad experience with them! read more

So had a terrible loan experience from our loan officer, with problem after problem, which after resolved, they did not follow through with promises on our loan. Now they keep calling me to make supposed 2 months unpaid mortgage; however, according to Chase Bank, where my loan is serviced is current since the purchase of my home. Clearly, this company is trying to extort money from me and I'm glad not to do future business, especially in light of the competition. Steer clear of American Financial Network, unless you like unnecessary problems and loan officers who are comfortable with lying. read more

American Financial provided fantastic and extremely responsive service and makes the process a breeze and painless. It was a refreshing discovery. They are very direct and responsive I recomend them to anyone that is going through the process. read more

Jane Kim is a great professional with whom we worked on a home loan. She made the process so easy and her positive attitude was such a relief. She's very intelligent and got us a very nice loan. Here's the absolute best thing though, she is very responsive. I never waited more than an hour on any response. Every question was answered immediately. Every phone call returned immediately. In this day and age where customer service is often lacking, Jane is a true pro. She's like the Nordstrom of Mortgage Brokers. I recommend her highly. read more

No words can explain how fabulous our loan officer at AFN is!!! Vicki Lasher is so kind, patient, professional, responsive, and most of all, gets the job done in whatever time frame you need. The seller of my mother's home put near impossible closing terms on the sale and Vicki got the loan done with days to spare! She has done several mortgages for us from purchases to refinances and makes it so easy and painless AND follows through with all terms as promised with no hidden fees or costs. AFN has a great online system for all the preliminary paperwork and Vicki was always available by phone or email or if we needed to drop by her office. Thank you AFN for having such a fabulous loan officer like Vicki Lasher!!!! read more

Kevin McRae was outstanding in handling of my re-fi. Extremely professional and if I needed a question answered he always responded immediately. Thank you for such great service Kevin. read more

Nicole Sherman is the absolute best loan officer!! You need to get this girl to take care of you. She made the process so easy for me and walked us through every step of the way!! I am referring all my friends and family to this girl because she gave us the best rate on the market despite us shopping around. Easy, quick, and phenomenal service. You guys need to promote this girl to manger because she literally made me feel like she wasn't selling me anything even though I got the loan!! read more

This joke of a lender doesn't even deserve even one star. They make all sorts of promises up front, but as soon as they think they have you stuck with them, they get lazy and don't get anything done. You can call them and they will give you a run around, email Them and they don't respond. I am on the verge of loosing my deal on the home I'm purchasing because they don't have their crap together and keep delaying closing. I am currently "switching horses midstream" to a lender that responds, because these guys will simply not get the job done. Oh and they will BLOW UP YOUR EMAIL AND PHONE WITH SPAM. read more

Zero star if I can give that! American Financial Network sent a postcard with an old renter's name with my info for all to see. It's a tactic to get people to call them. NOT sure if it's legal to send wrong info just to get calls. It's a terrible business tactic. I'm not in the market to be swindled by these unscrupulous people. read more

I highly recommending using AFN. We shopped around a lot for a lender and they were able to offer us the best interest rate. I worked with Eric Winblad and he was excellent. He was able to fund our loan quickly and without any headaches. Due to Eric and his team at AFN we closed early!These guys went the extra mile to explain everything to us and make us feel comfortable. I will be using AFN again if I ever buy another house. read more

I am extremely concerned when you send a POSTCARD advertisement stating the amount I owe on my mortgage and the time frame of my mortgage. Isn't this considered personal information and should not be available for public review???????? Take me off your mailing list IMMEDIATELY. read more

Greg and Hailey are heaven sent! This is the second transaction with them and I will continue coming to them for any future transactions with my home. They both went above and beyond and were always so willing to answer the million questions I had. They made the process of getting a loan for our first and second home so easy. read more

They were fast and concise. They gave me all information as they got it. I recommend them to everybody that mentions home finance. Thanks Bethany and Brandon in the WA office. read more

Chris made the entire experience easy and painless. The work he put in to help me through my VA home buying process was above and beyond what I have ever dealt with. Chris was such a big help getting me to raise my credit score as well as helping me through my student loans to get them caught up to date. I can't say enough about the help Chris gave from beginning to end. AFN is lucky to have such a great team member. I can't thank Chris and AFN enough for their help in buying our new home. read more

I had an amazing experience with this company! I used to work in finance and I am very cautious of the process of borrowing money. There were not any surprises at the end of the deal. I got what I was promised and the loan closed on time. I recommend this company and if you can, get Alex A. read more

I did a cash out loan with the equity on my house... the process was quick and smooth. The loan agent was very helpful and answered all my questions about the process (because I like to understand the basics). I not only was able to pay off my credit card (HUGE relief), I now have money for my wedding! My new home loan is only a small amount over my existing payment, and I get to reap all the benefits! AFN is definitely a blessing. I'd recommend them to everyone. read more

AFN was recommended to by my realtors because they knew them well and knew that they would be able to handle my VA loan. It was the best recommendation I ever got. Adrian and Lauren killed it. They were Johnny on the spot and my loan closed three weeks faster than expected. With Adrian and Lauren you can't go wrong. read more

American Financial Network Brandon Miles and Carla Van Hoosen was his assistant worked very hard to see my refi go through, I was working with two, AFN was able to and did it with outstanding customer service and I am a very satisfied customer. The loan officer I worked with was so helpful, knowledgeable, hardworking and caring about our refi making sure that we get the loan. Thank you, read more

They invade my privacy by sending a card with my current mortgage information clearly exposed for anyone to read. I would never deal with any company that so flagrantly violates my privacy.. read more

I've had Michelle Belmonte handle multiple mortgage purchases and refi's for me. She is always great to work with. She makes the process super seamless and communicates with me throughout. She is honest and fair and really tries to work through any scenarios I may have. Shes a great partner and I'll be a customer for life! read more

Richard Camp is AMAZING! He helped my husband and me in purchasing our first home. We had no idea about the loan process or purchasing process, and Richard and his team ensured that our experience was enjoyable. That mattered so much to me, especially since we were dealing with very demanding sellers plus I was going to go into labor with our first baby any day. Richard and his team were able to get our loan approved in record time with as little stress as possible! LOL--our loan closing was at the hospital right before I went into labor. What a memorable experience. Thank you, Richard and team, for your amazing work and for being trustworthy subject matter experts! read more

Tim Kim is excellent. He has handled several refy's for us. Its hard to find people you can trust. Tim is the only person we trust with our VA loan and financial information. The refinance process was smooth and we were kept informed throughout the entire process. read more

After 2 extremely painful attempts at refinancing our mortgage with incompetent people at Chase and Capital One, I found Brian Nyugen at American Financial Network Corp. Brian was professional, positive, responsive and reliable; his competent colleague, Nicole Moraga, the exact same. What a wonderful team! These two worked diligently, answered all emails and phone calls, hence, we were able to close our loan within just 5 weeks from my first conversation with Brian. If you are thinking of doing any mortgage banking, do not hesitate to contact Brian and or Nicole. They are sure to impress. read more

We had a great experience with AFN. They made a dream come true for a small working family. We are very grateful for their professionalism and patience with working with first time home-buyers. We cant say enough about the team who worked with us. So, here goes a shout out too, Kevin McRae, Michael Vaverka and Gina McGinley! Thanks for being on-it! If you are looking for a great team to work with and a Company that offers it all, check them out. They have great programs for everyone. Ask for the Help For Heroes Branch. read more

Very happy that I decided to use American Financial Network. They made the entire process of buying a home extremely simple and offered very competitive rates. Highly recommend and will definitely use them again in the future. read more

Very pleased with experience. Richard was so easy to work with, very kind and positive. He never was pushy or too impersonal, and he worked very hard to give me the best service and I was always uplifted with his positive demeanor. read more