Two Generations. One Mission. Your Home. Mortgage Group

AFC Mortgage Group provides a truly personalized approach to servicing each borrower’s needs. With over 25 years of experience, AFC Mortgage Group is committed to their core values of empowering each borrower with the opportunity to achieve homeownership and financial stability.

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AFC offers a full range of mortgage products including Conventional, FHA, VA, Special Loan Assistance options, Refinancing, Self-Employed, and Investor oriented programs. We will work with you to develop the best loan strategy targeting your specific needs. Creating a plan that focuses on your unique situation helps save you both money and time.

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Your mortgage pre-approval will help define the loan amount you can afford and is a powerful tool in the home buying process. A pre-approval can give your offer priority when negotiating. Realtors and sellers will have higher confidence that this deal will go through. Having a pre-approval can also save you time once your loan application has been submitted for final approval, getting you into your new home sooner!

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Your loan team at AFC will help guide you through the documentation needed for your application. In general, this will include paystubs, bank statements, and W-2’s, as well as other documents to support your loan application. AFC Mortgage Group offers loan options to borrowers that may face challenges in securing conventional finances. When these occasions arise, your team will let you know what additional documentation may be needed to help you secure a loan.

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Closing costs are specific to your individual situation and the targeted loan program, often buyers can expect to pay between 2 – 6%. The total is dependent on things like the loan product, sales price, down payment, points, and any escrow fees. Your loan advisor will be able to give you guidance based on the programs you may qualify for, including VA loan and down payment assistance programs. Prior to closing you’ll receive a closing disclosure that will detail all fees.

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Some borrowers may encounter challenges in securing finances due to low income, limited assets, or poor credit history. AFC Mortgage Group provides personalized assistance and helps borrowers understand any specialized loan assistance programs that may address their needs. Your AFC team can also provide credit-building strategies and even help explore alternative funding options.

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The decision to rent or buy depends on your long-term goals and financial situation. Historically, homeownership offers the buyer a key financial investment since each monthly mortgage payment will increase your home equity. AFC Mortgage Group can review your specific financial situation and provide you with loan details that allow you to decide which path best serves your needs.

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The length of time to close on a mortgage loan can vary depending on the borrower’s financial situation, property inspections, and appraisals. On average loans will close in 30 to 45 days. AFC Mortgage Group provides each borrower with a small, responsive support team so your loan doesn’t get lost in a maze. Strong communication between all parties and quick turnaround time on documentation will help speed the process, reduce stress, and get you into your new home!

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AFC Mortgage Group is currently licensed in 17 states and continues to grow throughout the country. Our Team Page contains a map of our current service areas as well as a list of team members licensed in your state.

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Yes! We’ve helped many self-employed borrowers close on mortgage loans. In these situations, the borrower provides additional supporting documentation to secure the best possible loan financing. Your loan advisor will walk you through the specific material needed which may include supporting tax documents and statements. We’re here to help you achieve your goal of home ownership.

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