Direct My Loan · AFN Branch

Your home journey,
guided by people who care

Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

Apply NowSchedule a Call
NMLS #237341Licensed Nationwide
Licensed by American Financial Network, Inc.
NMLS #237341
Phone(949) 868-6704
Emaildirectmyloan@afncorp.com
Apply Now
Meet Your Loan Officer

The mortgage process should feel like a milestone, not a headache.

Direct My Loan is an AFN branch dedicated to helping families and individuals find the right mortgage. From first-time buyers to seasoned investors, our team combines local expertise with the full lending platform of American Financial Network to make the home financing journey clear, honest, and personal.

Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.

“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #237341
Licensed 50 States
AFN NMLS #237341
A Better Way

Traditional process vs. working with us

Traditional Process
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Phone tag & voicemail
Wait hours or days for a callback from your loan officer
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Manual paperwork
Print, sign, scan, and email stacks of documents
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Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Direct + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Matt follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
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Real-time status tracking
Know exactly where your loan stands at every moment
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Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs

Every option. Your best fit.

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Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
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VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
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Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
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Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
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Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Available 24/7

Meet Sophia,
your AI-powered mortgage assistant

Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Direct My Loanand AFN's full lending platform. When you're ready, Direct My Loan steps in personally.

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Estimate monthly payments based on your actual scenario
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Explore loan programs matched to your situation
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Start your application without waiting for a callback
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Check local market conditions and neighborhood data
S
Sophia
Backed by Direct My Loan · NMLS #237341
Hi, I'm Sophia — Direct My Loan's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences

Trusted by families nationwide

★ ★ ★ ★ ★
4.66★ from 441 reviews across 66 loan officers
★ ★ ★ ★ ★
I am very satisfied with their services. The process was smoother and quicker than I expected. I highly recommend them.
Justine W.
★ ★ ★ ★
James explained everything in detail and answered all my questions. Ery polite and helpful.
Susan Gail C.
Senoia, GA
★ ★ ★ ★ ★
Had the chance to work with the whole gang! William, Jill and Jared. They are top motch folks that truly care about your success and tey to make the loan pricess as comfortable as possible. Very competitive and actually fun to work with. Give them a try, youll be glad you did!
Philip Willcox
Tools

Payment Calculator

$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years
Start My Application

This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.

Real Estate Partners

Are you a real estate agent?

I provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet for instant updates. Let's build a partnership that elevates your business.

Partner With Me
Get in Touch

Ready to get started?

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Direct typically responds within 24 hours. No bots, just expert advice.