Brett Labadie · Sales Manager
Your home journey,
guided by people who care
Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every step focused on an on-time closing.
NMLS #1339745+ Years ExperienceLicensed in 2 States
778
Recent Loans Closed
5+
Years Experience
4.94★
Average Rating (906 reviews)
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Brett, a Loan Officer at American Financial Network licensed in 2 states. Reach out to discuss your homeownership goals.
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 #133974
Licensed 2 States
AFN NMLS #237341
A Better Way
Traditional process vs. working with us
Traditional Process
✕
Phone tag & voicemail
Wait hours or days for a callback from your loan officer
✕
Manual paperwork
Print, sign, scan, and email stacks of documents
✕
Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Brett + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Brett follows up personally
→
Automated document collection
Upload from your phone, AI organizes everything
→
Real-time status tracking
Know exactly where your loan stands at every moment
→
Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs
Every option. Your best fit.
◆
Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
◆
FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
◆
VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
◆
Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
◆
Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
◆
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 Brett's expertise and AFN's full lending platform. When you're ready, Brett steps in personally.
→
Estimate monthly payments based on your actual scenario→
Explore loan programs matched to your situation→
Start your application without waiting for a callback→
Check local market conditions and neighborhood dataS
Sophia
Backed by Brett · NMLS #133974
Hi, I'm Sophia — Brett'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
★ ★ ★ ★ ★
Brett is very responsive, clear, friendly, and quick! Very reliable.
Jacqueline Bosch L.
White Lake, MI
★ ★ ★ ★ ★
All the help you gave me
Harvey Z.
Monroe, MI
★ ★ ★ ★ ★
Brett was awesome w communication and even in the late hours of the day would answer our calls and keep us updated with news
Chad L.
Perrysburg, OH
★ ★ ★ ★ ★
His dedication to his clients is second to none. Helpful, informative, and prompt. Great service.
Jason I.
Newport, MI
★ ★ ★ ★ ★
Brett Labadie is truly the best of the best! From start to finish, he provided an exceptional mortgage experience and went above and beyond our expectations.
His communication was excellent throughout the entire process. Brett was always responsive, thorough, and incredibly detail-oriented. He consistently seemed to be one step ahead, anticipating questions, identifying what needed to happen next, and making sure we were prepared every step of the way.
What stood out most was how personal the experience felt. Even though we know Brett serves many clients, we genuinely felt like we were his only clients. He made us feel valued, heard, and completely supported throughout what can otherwise be a stressful process.
Brett’s professionalism, knowledge, attention to detail, and genuine commitment to his clients are unmatched. He made the entire mortgage process feel organized and manageable, and we always felt confident that we were in good hands.
We are incredibly grateful for everything Brett did for our family. If you are looking for a mortgage broker who will truly go the extra mile, we cannot recommend Brett highly enough. He is the best of the best!
Breanna LaPlante
AFN Client
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
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.
Partner With MeGet in Touch