BURLINGTON

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    NMLS #2373417+ Years ExperienceLicensed Nationwide
    3,793+
    Loans Closed
    7+
    Years in Business
    4.8
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Joseph Lose

    Branch Manager

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    Anthony Cerulli

    Loan Officer

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    Ashley Laura Crugnale

    Loan Officer

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    Jared Price

    Loan Officer

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    John Bruno

    Loan Officer

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    Michael Jacobs

    Loan Officer

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    Steven Richman

    Loan Officer

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    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 mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

    →
    Estimate monthly payments based on your actual scenario
    →
    Explore loan programs matched to your situation
    →
    Get pre-approved without waiting for a callback
    →
    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 1,547 families & counting

    ★★★★★4.91,547 verified reviews
    "
    Anthony was very communicative through all phases of the mortgage process. He answered questions very quickly and was very knowledgeable about the mortgage rates and processes. The loan went through very easily and quickly.
    SHELLY T.
    Nazareth, PA · via Anthony Francis Cerulli
    September 2026
    "
    Ashley was always there to help us even after office hours & weekends. She was always pleasant & did her best to support us in every way possible. it has been a pleasure working with you Ashley. Thank you for your patience and willingness to answer so many questions!
    JUDITH E W.
    Rockledge, FL · via Ashley Laura Crugnale
    October 2026
    "
    Jared’s timely responses and the portal madr the the process simple and efficient!
    STEPHANIE B.
    Philadelphia, PA · via Jared Price
    December 2023
    “
    John was great to work with, he made everything easy and answered any questions we had right away.
    LEE JOSEPH S.
    Menasha, WI · via John C Bruno
    October 2026
    “
    Anthony took a great deal of time to explain my situation and to assure me he could and would handle anything that came up. Joseph stepped in when necessary to help Anthony deliver on that promise. You have put together a great team, Joseph. Thank
    DAVID R S.
    Harpers Ferry, IA · via Joseph Michael Lose
    October 2026
    “
    Mr. Jacobs took personal time to talk me through each step of the way and answered ever question I had with great patience and personal service.
    PAUL DOUGLAS F.
    Marshfield, MO · via Michael Edward Jacobs
    October 2026
    “
    keeping me inform you guys did all the work you made it easy
    ERIC D.
    Indianapolis, IN · via Steven Lee Richman
    October 2026
    “
    From start to finish, a great experienc. Anthony is fantasti! Very knowledgeable & personable. He was always available to answer any and all questions/concerns we had and has been great through the entire process & even after. Can't thank him enough for everythin!
    STEPHANIE N R.
    Lake Mills, WI · via Anthony Francis Cerulli
    September 2026
    “
    She was always quick to answer allour all our questions. She gave us great advice and if she didn't know she got us the answers
    CHARLES R G.
    Saint Peters, MO · via Ashley Laura Crugnale
    September 2026
    “
    Despite the fact that I am a high maintenance client Jared maintained an open line of communication throughout the transaction. He was immediately responsive to every question I had and to every issue that came up. Will use him again.
    ASHTON H.
    Hammonton, NJ · via Jared Price
    August 2023
    “
    The process seemed to take longer then it should have been it's nothing against John just alot of hiccups along the way
    JESSICA K R.
    Williamsport, PA · via John C Bruno
    October 2026
    “
    The whole process was extremely timely and very professional. I would recommened them to family, friends, collegues, anyone! They went above and beyond to help and get us not only refinanced, but save so much money.
    FLETCHER D.
    Covington, TN · via Joseph Michael Lose
    October 2026
    “
    Michael was helpful from the beginning in determining the right refi for us! The process was smooth and timely. Thanks!
    Mathew D.
    Tucson, AZ · via Michael Edward Jacobs
    August 2026
    “
    Steve was very professional and got everything accomplished just like he said he would! A man of his word! Thank you so much!!
    ROBERT C.
    Gloucester, VA · via Steven Lee Richman
    September 2026
    “
    Anthony did all the work for us, kept us up to date on everything, excellent to do business with, would highly recommend.
    JOE G.
    Racine, WI · via Anthony Francis Cerulli
    September 2026
    “
    Ashley was responsive and always willing to explain any part of the process. She went above and beyond to make sure I knew every step that was going to take place and the timing. This is so appreciated as my work schedule is unconventional
    CRYSTAL D A.
    Partlow, VA · via Ashley Laura Crugnale
    September 2026
    “
    Jared walked us through the entire mortgage process with diligence, great communication, and wise education. We knew he had good for us and made the stressful process of getting a mortgage as smooth as can be.
    Joseph S C.
    State College, PA · via Jared Price
    June 2023
    “
    John Bruno was very good, pleasant and kind! Thank you for all your time i appreciate you!
    JOY L S.
    Waymart, PA · via John C Bruno
    October 2026
    “
    Joseph kept me informed throughout the process, and was able to alter the closing around our schedule and still make everything happen as he said.
    ALBERT L C.
    Glen Mills, PA · via Joseph Michael Lose
    October 2026
    “
    Mike tried to be honest as possible just in the end it was a $4,000 difference but I appreciate
    MICHAEL A G.
    Raytown, MO · via Michael Edward Jacobs
    August 2026
    “
    Good communications with your team on step by step instructions !! Thankyou Carlos & Nancy Perkins
    CARLOS P.
    Cedar Bluff, VA · via Steven Lee Richman
    July 2026
    “
    Anthony made everything simple, quick and easy!! Love it!!!!
    DEBORAH D G.
    Knoxville, TN · via Anthony Francis Cerulli
    September 2026
    “
    Very pleasant people to talk to and very convenient
    MICHAEL J S.
    Hager City, WI · via Ashley Laura Crugnale
    August 2026
    “
    Jared went above and beyond to ensure that I had a seamless and exception first home buying experience. Jared was always available for all of my questions and I felt fully supported from beginning to end. I am so thankful to have been able to work with Jared and will be recommending all of my friends and family to Jared in the future!
    REBEKAH R B.
    Haddon Twp, NJ · via Jared Price
    September 2022
    Real Estate Partners

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    Our Branch

    Burlington

    American Financial Network · NMLS #237341

    Address
    500 Craig Road Suite #202
    Manalapan, NJ 07726
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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