Lenders United · 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.

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NMLS #237341Licensed Nationwide
Licensed by American Financial Network, Inc.
NMLS #237341
Phone(931) 980-7571
Emailbrandimays@afncorp.com
Apply Now
Meet Your Loan Officer

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

Lenders United 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
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45+ day closings
Delays, missing docs, and last-minute surprises
With Lenders + 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 Lenders Unitedand AFN's full lending platform. When you're ready, Lenders United 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 Lenders United · NMLS #237341
Hi, I'm Sophia — Lenders United'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

★ ★ ★ ★ ★
4.69★ from 161 reviews across 22 loan officers
★ ★ ★ ★ ★
Brandi Mays is pleasure to work with. She was always prompt to answer all my questions, and made sure I completely understood all my options and choices. Brandi always had a great attitude and ensured our best interest was a top priority. I would not hesitate to recommend her.
Brian J B.
Martin, TN
★ ★ ★ ★ ★
make sure y'all took your time to get everything right in the situation. It was real nice respectable showing a customer they are number one and what you are trying to dot I do
Bryant K M.
Memphis, TN
★ ★ ★ ★ ★
I wish there were options above great for Fairlen! She is an amazing individual with a love to help others, and it shows so much in everything she does! I couldn't have asked for anyone better to be with us on this journey of buying our first home! Her communication, dedication and hard work was there every step of the way, making this experience easier and much more at ease. I'll never recommend anyone but Fairlen!
Ulanda Renee V.
Clarksville, TN
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.

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