Products

Mortgage Products at American Financial Network

At American Financial Network, we understand that buying a home is a significant decision. That’s why we offer a diverse array of mortgage products tailored to meet your unique financial needs and home-buying goals. Our loan officers are equipped with industry-leading expertise to guide you through the mortgage process, ensuring you find the product that fits your situation perfectly. Here’s a quick overview of our offerings

Conventional Loans

Our conventional loans come with flexible terms and competitive rates. Suitable for homebuyers with good credit scores, these loans offer a straightforward path to homeownership.

Government Loans (FHA, VA, USDA)

We’re proud to offer government-backed loans including FHA loans (great for first-time buyers), VA loans (for our veterans and active military personnel), and USDA loans (for rural and suburban homebuyers).

Energy-Efficient Mortgages

Perfect for those looking to buy an energy-efficient home or upgrade an existing home to be more energy-friendly. These loans cover the cost of improvements that will make your home environment-friendly.

Construction to Perm and Renovation Loans

Whether you’re building a new home or renovating an existing one, these loans offer a convenient, one-time close that locks in your interest rate at the start of construction.

Down Payment Assistance Loans

We believe in making homeownership accessible. Our Down Payment Assistance program is designed for homebuyers who may not have enough saved for a traditional down payment.

Jumbo Loans

For those looking to buy luxury homes, our Jumbo loans offer high balance options that exceed the conventional loan limit.

Reverse Mortgages

This special type of home loan allows homeowners aged 62 or older to convert a portion of their home equity into cash to supplement their income.

Medical Doctor Loans

Specifically designed for medical doctors, these loans come with attractive rates and require little to no down payment.

DSCR Loans

Ideal for real estate investors, Debt Service Coverage Ratio (DSCR) loans focus more on the cash flow of the investment property rather than personal income.

Bank Statement Loans

For self-employed borrowers, our Bank Statement Loans consider your overall financial position, using bank statements to verify income instead of traditional tax documents.

1099 Only Loans

Tailored for independent contractors or freelancers, these loans use your 1099 tax forms as proof of income.

Asset Utilization Loans

For borrowers with significant assets, these loans use those assets to help qualify for a mortgage.

Foreign National Loans

We make buying a home in the U.S. easier for non-resident foreigners with our Foreign National Loan program.

ITIN Loans

For those without a social security number but holding an Individual Tax Identification Number (ITIN), these loans offer the possibility to purchase a home.

60+ Broker-Out Wholesalers

We are proud to work with an extensive network of over 60+ professional mortgage brokers, ensuring we can always find the best mortgage solution for you.

Home Possible and Home Ready

These are affordable mortgage programs designed for creditworthy low- to moderate-income borrowers, with expanded eligibility for financing homes in low-income communities.

Hometown Heroes and State Bond Programs

We honor our community heroes. Our Hometown Heroes program provides special mortgage options for educators, law enforcement officers, firefighters, and healthcare workers. As well as State Bond Programs which provide forgivable grants.

Alternative Document Programs

For those with non-traditional income situations, we offer loan programs that accept alternative forms of documentation.