Our 3-Step Loan Process

We easily strategize the best loan to fit your needs.

We approve your loan through our “In-House” underwriters.

We draw loan docs and fund “In-House”.

Step 1: Apply for a Loan

Through a brief phone conversation we are able to strategize your financial situation so that we can structure the most favorable loan to fit your needs. Once you complete our brief customized loan application and send us our requested items, we can issue a pre-approval within 1 business day.

Step 2: Get Approved

Once pre-approved we can either issue a pre-approval letter to match your offer if you are looking to buy a home and or move forward on a refinance to better your current loan situation.

Step 3: Close Your Loan

Since we are a “Direct Lender”, we process and underwrite our loans “In-House”. Therefore, we are able to move quicker than most lenders, which allows us to issue a final loan approval, draw loan docs and fund without delay. We make the loan process efficient and smooth.

“What do you want for Christmas?  Seriously, I would like to buy you a beer someday, because you could’ve walked away from this one a LONG time ago.  This speaks to either my persistence or your genuine desire to help.  And I’m thinking the latter. So, the words seem inadequate, but thank you. You really did save us!”

-Brian F.

“Gary, how much whiskey do you want to make for all the pain of funding our impossible loan?! You are the MAN!”

-Barry

“We are now debt-free because of you! Last night was the first night my wife and I slept through the night in peace. We want to thank you from the bottom of our hearts for your positive attitude and reassurance throughout the loan process.”

-Tom & Melissa

“Great experience using Paul after working with other lenders who strung me along and tried to switch things at the end. He got me the 30 year fixed rate I was looking for and walked me through every step of the way. Definitely my mortgage guy from here on out.”

-Garcia M.

“Excellent service and creativity. We needed a lender who could think outside of the box and get us the cash we needed. I would definitely recommend Paul.”

-Nazila M.

“I was looking for a bank that could accommodate a stated income loan which has long been gone since the 2008 crash. Mr. Tropp at American Financial offers many other type of loan programs including the bank statement program which worked for me. He made the process simple and kept me informed every step of the way. While the interest rate was not the lowest out there I understood that this was the best loan for my situation.”

-Darrel B.

“Great Gary. After getting denied at B of A and Wells Fargo, I cannot believe I qualified without tax returns. Because of you I am now able to own my first home. I will recommend you to everyone I know.”

-Peter

“I can’t recommend Paul highly enough. Paul was able to get me a loan when no one else could. Throughout the loan process, Paul was very attentive and answered emails and phone calls immediately, and he was always friendly, professional, and organized. Going forward, I will only work with Paul for my loan needs.”

-Pamela M.

“You are our HERO! We have been renting for 12 years and never thought we could buy a home. Today we are officially home-owners! YEAHHHH! We will have you over to the house for dinner. Cheers!”

-Eric & Robin

Begin your loan process today!

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