CAROL STREAM

    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.

    Apply NowSchedule a Call
    NMLS #2373418+ Years ExperienceLicensed Nationwide
    165+
    Loans Closed
    8+
    Years in Business
    4.8
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Melanio Silungan

    Branch Manager

    Visit their site
    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.
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    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.

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    Estimate monthly payments based on your actual scenario
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    Explore loan programs matched to your situation
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    Get pre-approved without waiting for a callback
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    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 58 families & counting

    ★★★★★4.858 verified reviews
    "
    Mel is outstanding at explaining all options and has consistently provided accurate and timely information throughout the entire process of buying the house, very knowledgeable, speedy and professional in the transactions. Needless to say, I give American Financial Network 5 stars!
    Angelica P H.
    Niles, IL · via Melanio R Silungan
    February 2025
    "
    Great communication , follow-up, professionalism , expertise in what he does and sound advice !
    Marceliana D M.
    Morton Grove, IL · via Melanio R Silungan
    November 2024
    "
    We had a very good experience with our loan officer, Mr. Silungan. As a first time homebuyer, he patiently guided us through the process and assisted in all possible ways. Thanks again.
    Daisy L G.
    Chicago, IL · via Melanio R Silungan
    April 2024
    “
    They gave their 100% to assist me with the process
    Elisa D M.
    Morton Grove, IL · via Melanio R Silungan
    December 2023
    “
    He listens to my concerns and gave resolutions to it
    Thelma O.
    Warrenville, IL · via Melanio R Silungan
    May 2023
    “
    What made it a great experience is that we got to finally buy our own house and we appreciate and thank you for all the help you’ve provided to us.
    Patrick Joseph S M.
    Libertyville, IL · via Melanio R Silungan
    March 2023
    “
    Responds through email as soon as possible. Gives advices and suggestions. We had no difficulty dealing with him. Thank you for all the help!
    Grace S T.
    Libertyville, IL · via Melanio R Silungan
    March 2023
    “
    Thank you for fullfiling our american dream of having a house. Thank you soo much
    Michael A C.
    Des Plaines, IL · via Melanio R Silungan
    November 2022
    “
    Approachable anytime, any day and 24hrs a day.
    Ronnel N.
    Chicago, IL · via Melanio R Silungan
    November 2022
    “
    They are so alert and updating me what changes. They are quick and they answer all my questions without hesitations .
    Jun M.
    Chicago, IL · via Melanio R Silungan
    January 2022
    “
    Mel and Jade were very supportive and have guided me throughout the application process. Documents were thoroughly explained. Very prompt in responding to questions and concerns.
    Michael A S.
    Skokie, IL · via Melanio R Silungan
    December 2021
    “
    They are organized ,friendly, and able to fix any issue s right away
    Mary Ann R.
    Crystal Lake, IL · via Melanio R Silungan
    November 2021
    “
    Good customer service and very fast processing my loan.
    Lorenzo M.
    Schiller Park, IL · via Melanio R Silungan
    October 2021
    “
    As a first time home buyer, the whole process when so easily for me.They've a great team work, very qualify, professional and efficient. Always ready to help and take extra mile to explain and provide all help that I needed. Best service I wouldn't have imagine from pre-approval till closing, even after closing. I'm so happy and grateful for choosing and working with them. Thank you again.
    Davy Fabrice S.
    Bensenville, IL · via Melanio R Silungan
    September 2021
    “
    The entire staff was knowledgeable and went above and beyond.
    Robert M.
    Chicago, IL · via Melanio R Silungan
    September 2021
    “
    Jade was the best…helpful, prompt and caring….
    Mayflor A.
    Aurora, IL · via Melanio R Silungan
    July 2021
    “
    Jade was always pleasant to talk too..approachable and advises us well …she responds to us promptly for any questions we have.. Buying a home can be stressful..but she made our anxieties less and calm …
    Alejandro A.
    Aurora, IL · via Melanio R Silungan
    July 2021
    “
    Thanks for your help and making sure questions were answered . Smooth transaction
    Karina M.
    Lincolnwood, IL · via Melanio R Silungan
    July 2021
    “
    Mel and Jade are amazing! They both worked with me to make my buying a home possible. Thank you so much!
    Ann M.
    Park Ridge, IL · via Melanio R Silungan
    June 2021
    “
    Mr. Silungan was very helpful and easy to communicate with. He was so wonderful and gracious to me and my family during the entire process. His assistant, Jade Ferreras, was with us throughout the proceedings as well. She made sure we had all the proper documentation needed for the undertaking to go as smoothly as possible. It has been a pleasure to work with Mr. Silungan and his staff. They go above and beyond. AFN will always be our go to. THANK YOU AFN for all your help with our new home!!
    Christopher P.
    Roselle, IL · via Melanio R Silungan
    June 2021
    “
    Melanio is the best!!! Thank you so much!!!
    Darwin L.
    Carol Stream, IL · via Melanio R Silungan
    May 2021
    “
    Excellent service. Always on top of things and very reliable. Can resolve any issues in a timely manner. The best in the Illinois! Keep up the good work.
    RUTH A.
    Joliet, IL · via Melanio R Silungan
    May 2021
    “
    Mr. Silungan is very efficient and professional. He’s in constant contact with us to update us in a timely manner regarding the status of our loan. Our loan processing was fast and we were able to move in as projected. You can feel that he treats you as a family. On top of that, he has a good sense of humor! Thank you so much for the help Mr. Mel ??
    Christine M.
    Joliet, IL · via Melanio R Silungan
    May 2021
    “
    Mel is very knowledgeable and professional
    Brian J.
    Schaumburg, IL · via Melanio R Silungan
    April 2021
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    Our Branch

    Carol Stream

    American Financial Network · NMLS #237341

    Address
    23 W 574 North Ave
    Carol Stream, IL 60188
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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