Stronger offers for your buyers. Faster sales for your listings.
Buy-before-you-sell and Cash Offer tools you can hand a client this week, listing payment sheets on request, and file status on every deal you send us. We are a direct lender and fund bridge loans from our own fund, so your buyer can make an offer without a home-sale contingency and sell with up to 12 months of runway.
Get the Buy Before You Sell (BBYS) Agent Playbook
The program, the numbers, and the scripts, straight to your inbox. Plus a call from our team whenever you want one.
The AFC Realtor Toolkit
Tools you can use on a deal this week
Six things we do for agents, each one tied to a deal you are working right now. No sign-up to look around.
Buyers
Buy-before-you-sell scenario
Your buyer has a house to sell and a house they want. Enter the current home, what they owe and the target price to see the bridge amount and what it costs by month, before you write the offer.
Run a scenario →Offers
Bridge-Backed Offer kit
Replace the Hubbard clause. Your buyer writes an offer with no home-sale contingency, backed by an AFC bridge on the home they already own. The listing agent sees a lender letter instead of a contingency.
Get the kit →Offers
Offer-strength letter
Going into multiple offers? Ask for a letter from our Approval Team that tells the listing agent your buyer's file has been reviewed. Send us the property address and your buyer's name.
Request a letter →Listings
Listing payment sheet
An open-house handout that shows buyers what the monthly payment looks like on your listing. Request one with the MLS number; we send it same day.
Request a listing sheet →Your files
Partner portal file status
See where every file you sent us stands without calling anyone. Access is turned on per partner. No login yet? Ask for one in the form below.
Log in to the partner portal →Marketing
Video content day
A shoot with AFC Media Group, our in-house team: listing tours, market updates and a collab reel with us, published on your channels and ours.
Book a content day →Send us a buyer
Hand off a client in 30 seconds
Fill in your details, then use the last box for your client's name, cell and what they need. Someone from our team reaches out to your client, and you hear from us as the file moves.
Your details first, then your client's in the last box. We take it from there.
For your buyers: they compete like a cash buyer
Your buyer keeps finishing second to cash. Our Cash Offer program lets them make a strong, non-contingent offer: no financing contingency, no appraisal contingency, no sale-of-home contingency. AFC finances up to 100% of the purchase, and they pay us back when their current home sells.
The objection you will hear first is “that’s not really a cash offer.” It may not be your buyer’s cash, but it is a true all-cash offer. The seller gets certainty of close, and that is what wins the bidding war.
Non-contingent
Nothing for the listing agent to poke holes in. No financing, appraisal, or home-sale contingency.
Up to 100% financed
Your buyer does not need to be sitting on liquid cash to play this game.
For your sellers: two transactions instead of zero
The move-up seller who will not list until they have found the next house is the most common stuck deal in Fairfield County. Bridge financing unlocks them. They buy first, move on their own timeline, and list the old house empty and staged, which sells faster and for more.
For you that is a listing and a buy-side deal instead of a conversation that goes nowhere. Bridge funding can land in 10–15 business days after approval, they get up to 12 months to sell, and there is no prepayment penalty. Plan for 15 business days in the contract.
The 8 D’s
Diapers, Diamonds, Divorce, Downsizing, Distance, Death, Debt, Doin’ Good. Every move-up seller is moving for one of them. The reason tells you which financing fits.
90 bridge loans funded
We lend our own capital on these, so the timeline is ours to control. Up to 12 months to sell, no prepayment penalty.
For your investor clients
Business-purpose lending for the investors in your book. These are different products under different rules than the consumer loans above: different underwriting, different disclosures, and a separate conversation.
Fix & Flip
Rates 10–12% with 2 points origination. Up to 80% of purchase plus 100% of rehab, capped at 65% of ARV. Funded in as few as 10 business days after approval.
DSCR
Qualify on the property’s rent, not tax returns. The product for the investor whose returns will never look good enough for a bank.
Investment bridge
Acquisition capital when the deal will not wait for conventional timelines. Our own money, our own decision.
Why Agents Choose AFC
We lend our own money
Direct lender, not a broker. We underwrite, close, and fund in-house, so when a file gets complicated, the decision-maker is in the building instead of in a queue somewhere.
Your deal doesn't die at underwriting
Self-employed borrowers, non-QM, bridge, DSCR, renovation, jumbo. When a big bank walks away from your buyer, that's usually the file we close.
We produce content for you. No other lender here does.
AFC Media Group is our in-house production team, not a vendor, not a stock-photo budget. Business spotlights, agent shoots, podcast episodes, event coverage, local-presence features. The same crew that covered the CaringKind 30th Anniversary Gala at Cipriani in Manhattan will shoot your listing.
This is not a promise. Here is what we actually produced and published in the last 90 days.
Property showcase: 5,760 reached
507 interactions. The top-performing post on the account.
Team feature: 2,187 reached
Fix & Fashion team shoot paired with our summer celebration.
Presenting at Westview: 1,601 reached
Office presentation filmed, cut, and published for the brokerage.
Agent local-presence feature: 1,079 reached
One agent, their market, their story. This is the format most agents ask for.
Agent community event: 1,157 reached
AFC with P2P and CT Basement Systems. We host these, film them, and hand you the content.
Top Producers lunch: 914 reached
Realty ONE Group Connect. Covered end to end.
Agent roundtable: 1,043 reached
A working session with agents, filmed and published.
Podcast episode: 650 reached
Full episode with Wollman Realty. Long-form, on our channel and yours.
Work we’ve shot for agents
Named agents, real listings, published on their channels and ours. Watch them right here. This is what the partnership looks like once you’re in it.
Jay Irvine, SERHANT Connecticut
New construction film. 27 Town Farm Road, New Milford.
View on Instagram
Ron Capeci: why Greenwich
Market positioning built around a relocating buyer’s first question.
View on Instagram
Austin Reid: market commentary
Fairfield County inventory and how buyers have to think right now.
View on Instagram
Kimona Hanson: seminar promo
A closing story cut into promotion for a wealth-building seminar.
View on Instagram
Justin Cabral, West View Properties
Business spotlight on Nonna Lucia’s in Watertown.
View on Instagram
Amanda Nemense: business spotlight
Martinos Pizzeria, Watertown. Local presence through local business.
View on Instagram
This is a sample; there’s a lot more on the AFC Media Group account: listing films, business spotlights, events, and agent features.
Get on the scheduleWays we help you grow the business
We don't think of agents as referral sources. We think of them as partners, and we invest in your business the way you invest in your clients. Real video content produced for you. Client dinners we co-host and put money into. Events that put you in front of new people. The loan is the smallest part of it.
Client dinners we co-host with you
We partner with agents on client appreciation dinners, like the one we did with Kathleen Turner at Paci in Southport. You bring the relationships, we help carry the room. Your past clients get a night out and a reason to remember who sold them the house.
See the night at PaciAgent community events
We host and sponsor events that put you in a room with other agents and local vendors, like the AFC event with P2P and CT Basement Systems. Filmed, published, and handed back to you as content.
Video content days
Walk in with your phone, walk out with weeks of short-form content, professional headshots, and a strategy for what to do with it. Free for partners.
Business spotlights and podcasts
Long-form features on you and your market. Real production, not a phone on a tripod.
Every program under one roof
Conventional, FHA, VA, USDA, jumbo, DSCR, Non-QM, bridge, renovation, commercial, and the Cash Offer program. You never have to send a client elsewhere.
A partner portal that shows you the file
Live pipeline status on every deal you send us, plus co-branded materials with your name on them.
We coach the business, not just the loan
A lender should be worth talking to when there is no deal on the table. Some of what we have put out for agents recently:
Open houses only work when the prep does
The work that happens before the door opens is the whole game. 1,575 agents reached.
What it takes to hit 50–60 transactions a year
An honest breakdown of the volume, the systems, and the hours behind that number.
If you only show up for million-dollar deals
Why the agents who work every price point are the ones still standing in a slow market.
The formula for an accepted offer
Price, certainty of closing, timeline. Most offers lose on the second one, which is the part a lender controls, not the agent.
Watch itFeeling priced out? Stop buying move-in ready
The house everyone skips because it needs updating is where your buyer builds equity instead of paying someone else for it. Useful ammunition for a discouraged buyer.
Watch itLocal business spotlight: Quin Brew Coffee
Watertown. Community meets craft. Proof we produce the local-presence content, not just the mortgage content.
Watch itDeals that could have died
Three real files, anonymized. The point of each one is not the loan; it is how cleanly it ended.
In and out in 16 days
A $112K bridge against a $580K Fairfield County purchase, June 2026. Exited by sale. The fastest kind of bridge. It did its job in two weeks and got out of the way.
$625K acquisition, refinanced in 22 days
Bought now, refinanced conventional once the dust settled. December 2025. The buy-first-panic-never story.
$153K unlocked a $1.45M purchase
29 days, exited by conventional refinance. Small bridge, big move: the whole deal turned on a fraction of the price.
What You Get as a Partner
A dedicated Home Finance Advisor for your referrals. Same-day pre-approval letters. Status updates every 48 hours from our Approval Team. Access to every loan program under one roof: conventional, FHA, VA, USDA, jumbo, DSCR, Non-QM, bridge, renovation, and commercial.
Plus co-marketing most lenders can't match: professional video, photography, and event coverage produced by our own in-house media team.
Get access to the partner portal
Most of our agent partners have never been switched on. If you refer to us, you should be able to see where the file is without calling anyone.
Pipeline visibility
Live status on every deal you sent us. No more asking where it stands.
Co-branded materials
Pre-approval letters, flyers, and program one-sheets with your name on them.
A direct line
Straight to the team working your file, not a general inbox.
Access is enabled per partner. Already set up? Log in at crm.afcmortgagegroup.net/partner/login. New? Write "portal access" in the Send us a buyer form above, or reach us at the number below, and we will turn it on.
Text (203) 590-5620 for portal accessThe numbers, straight
870+ loans closed
All-time count from our loan records.
56 agent partners closed with us in 2026
Not 56 agents in a database, but 56 who had a closing with AFC this year.
90 bridge loans funded
Since 2024, from our own fund, which is why we can move on our own timeline.
25+ years, family-owned
Connecticut licensed mortgage lender, NMLS #2801. We underwrite, close, and fund in-house.
4.9 stars, 450+ Google reviews
Written by the borrowers your referrals will become. Read them before you send us anyone.
Frequently Asked Questions
Who should partner with AFC Mortgage Group?
AFC partners with real estate agents, homebuilders, financial advisors, CPAs, attorneys, and other professionals who work with clients purchasing or refinancing homes. If your clients need mortgage financing, a referral partnership with AFC can add real value to your business.
How do I submit a client referral to AFC?
Submitting a referral is simple. Contact your dedicated AFC partner liaison by phone, email, or through our partner portal. Provide your client's basic contact information and a brief description of their financing needs, and an AFC loan officer will reach out promptly.
How quickly can AFC pre-approve my clients?
AFC offers same-day pre-approvals in most cases. Our streamlined process means your clients can have a verified pre-approval letter in hand before they start making offers, giving them (and you) a competitive edge in any market.
What loan programs can AFC offer my clients?
Conventional, FHA, VA, USDA, jumbo and down payment assistance loans for purchase and refinance, plus the tools that win offers: bridge loans and Cash Offer from our own fund. For investor clients we offer DSCR, fix-and-flip and bank statement loans.
Is there a cost to become an AFC partner?
No, partnering with AFC is completely free. There are no sign-up fees, monthly costs, or commitments required. Simply register your interest and start referring clients. It's that easy.
How will I be kept informed about my client's loan progress?
AFC believes in keeping partners in the loop. Your dedicated loan officer will provide regular updates throughout the process, from pre-approval through closing, so you always know where your client's transaction stands.
Does AFC work with first-time homebuyers?
Absolutely. AFC specializes in guiding first-time buyers through the mortgage process. We offer FHA loans, down payment assistance programs, and dedicated loan officers who take the time to educate buyers on their options so they feel confident at every step.
What states does AFC Mortgage Group lend in?
AFC is licensed to lend in 17 states: Alabama, California, Connecticut, Florida, Georgia, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, and Vermont.
Can I refer investor or commercial clients to AFC?
Yes! AFC works with real estate investors and commercial borrowers in addition to residential buyers. Whether your client needs a DSCR loan for a rental property, a Fix & Flip bridge loan, or commercial financing, AFC has specialized programs to meet investor needs.
How do I get started as an AFC partner?
Getting started is easy. Fill out the partner inquiry form on this page or call us directly to speak with our partnership team. We'll walk you through the process, set you up with a dedicated loan officer, and ensure you have everything you need to start referring clients right away.
Where We Serve
AFC Mortgage Group is proud to serve borrowers and partners across 17 states: Alabama, California, Connecticut, Florida, Georgia, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, and Vermont. Contact us to find the right loan solution in your market.
Let's talk about your next deal
No application, no credit pull, no pitch. Text or call me directly, not a company line, not a queue. Tell me what you're working on and I'll tell you straight whether we can close it.
Call or text (203) 590-5620