COSTA MESA

    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 #23734113+ Years ExperienceLicensed Nationwide
    1,640+
    Loans Closed
    13+
    Years in Business
    4.8
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Hector Estrada

    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
    →
    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 560 families & counting

    ★★★★★4.8560 verified reviews
    "
    We had an excellent experience with Hector and his team. The process moved quickly and they were always available to answer any questions we had!
    Richard B M.
    Waynesville, NC · via Hector Arzola Estrada
    September 2026
    "
    It was a pleasure working with Hector and his team. Very appreciative of his knowledge, professionalism, and the time he spent on educating my husband and I on the process. We had initially started the refinance process with Chase but opted to go with AFN after our initial call with Hector. Hector was very friendly , professional and most of all he listened to our goals, objectives and concerns. He found a solution that was the best fit for our situation.
    Daisy H.
    San Francisco, CA · via Hector Arzola Estrada
    September 2026
    "
    Hector was so easy to work with. Very quick to respond. worked hard overcoming every obsticle along the way. Overall the whole experience seemed TOOOO EASY !
    Robert Allen S.
    Randleman, NC · via Hector Arzola Estrada
    July 2026
    “
    Hector and his team was very Professional as well as Personal in his communication and his ability to convey important informatoin in a very timely manner. Very pleased with working with hm and hiis team
    Sam B B.
    Lebanon, TN · via Hector Arzola Estrada
    July 2026
    “
    They were just so professional and helpful making the process easy well it wasn't easy but they were there all along and ready to answer any questions that I had I can not be more grateful thanks everyone!!
    Amelia L.
    Tracy, CA · via Hector Arzola Estrada
    July 2026
    “
    Hector and especially loan officer Samuel Jimenez were awesome throughout the refinance process. They provided awesome advice and made what is a daunting process go much more smoothly. Samuel was there every step of the way.
    Tracy C.
    Hamden, CT · via Hector Arzola Estrada
    July 2026
    “
    It was quick and requires very little time.
    Nicole V.
    Roselle Park, NJ · via Hector Arzola Estrada
    June 2026
    “
    Dan Hanley was amazing. He was very knowledgeable, he explained everything in great detail and followed through on everything he said. I would highly recommend working with him.
    Gregory C.
    Toms River, NJ · via Hector Arzola Estrada
    May 2026
    “
    The entire AFN team I worked with were able to help get this process moved along to get my refi completed.
    Alex N.
    South Plainfield, NJ · via Hector Arzola Estrada
    May 2026
    “
    Hector knows very well how to make clients happy and sucessful . He is extrimely helpful , he is expert in his job and most of all kind person so my family felt like he is part of our family. Thank you Hector. If we have 10 houses that we need help with , we would ask Hector to complete bussines with us.
    Ljubica F.
    Portland, ME · via Hector Arzola Estrada
    May 2026
    “
    Everyone within the circle were professional, knowledgeable, personable , and had a can do attitude
    Alan R P.
    Spring Hill, FL · via Hector Arzola Estrada
    April 2026
    “
    Hector and April were so kind, informative and helpful!
    Victoria N.
    Huntington Beach, CA · via Hector Arzola Estrada
    March 2026
    “
    everybody was great thankyou i will recommend to friends and family
    Pamela F.
    Spring Hill, FL · via Hector Arzola Estrada
    March 2026
    “
    The fast response and the good communication in breaking down the finance I only had one issue is the underwriters didn't see the address for one of the credit cards that needed to be paid for so they sent the check to me for me to send out so just leaves me a little bit worried that they didn't ask for the address if they couldn't read it on the paper overall the experience was great
    Carlos G.
    Seymour, CT · via Hector Arzola Estrada
    March 2026
    “
    I’ve been working with Dan and this team since purchasing my first home in 2016, and I’ve also used them for a couple of refinances since then. They’ve always been knowledgeable and responsive whenever I have questions or am considering a refinance. I usually reach out directly to Dan, a fellow veteran, because I trust his guidance and appreciate the time he takes to walk through the numbers and help me evaluate whether a deal makes sense. After working with them for nearly a decade, I feel confident recommending Dan and his team to anyone looking for experienced and trustworthy mortgage professionals.
    Christy A.
    Las Vegas, NV · via Hector Arzola Estrada
    March 2026
    “
    Hector always make me feel comfortable and letting me know I can call anytime for anything I needed and was fast and efficient with everything his definitely a ten in my book!!
    Joyce C.
    New Castle, DE · via Hector Arzola Estrada
    March 2026
    “
    Hector and April were so incredibly vigilant, thorough, and exceptionally responsive. They are amazing assets to your team and a true pleasure to work alongside.
    Desmond T.
    New London, CT · via Hector Arzola Estrada
    February 2026
    “
    Very good communication. Any questions I had were answered quickly. Great group of people to work with.
    Jodi M W.
    Holtwood, PA · via Hector Arzola Estrada
    February 2026
    “
    Hector and April answered my phone calls, email and text messages in a timely manner. Thanks for a great experience
    Kathleen K G.
    Las Vegas, NV · via Hector Arzola Estrada
    February 2026
    “
    I received wonderful communication from the whole team and was always kept in the loop every step of the way.
    Erin E M.
    Midlothian, VA · via Hector Arzola Estrada
    February 2026
    “
    Knowledgeable, responsive and accommodating
    Gena C.
    Stroudsburg, PA · via Hector Arzola Estrada
    January 2026
    “
    Por que me trataron muy bien Me hacen sentir como en familia
    Maria Y P.
    Springfield, VA · via Hector Arzola Estrada
    January 2026
    “
    Hector is great and very knowledgeable. He made the refinance process very easy.
    Jorge Luis R.
    New Haven, CT · via Hector Arzola Estrada
    January 2026
    “
    Hector was very helpful and informative for my wife and I on our experience buying our first home! He helped us develop the best plan for us providing great advice along the way.
    Austin M.
    Aliso Viejo, CA · via Hector Arzola Estrada
    January 2026
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    Our Branch

    Costa Mesa

    American Financial Network · NMLS #237341

    Address
    15991 Redhill Ave, Suite 230
    Tustin, CA 92780
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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