DIRECT TO CONSUMER

    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 #23734110+ Years ExperienceLicensed Nationwide
    4,137+
    Loans Closed
    10+
    Years in Business
    4.7
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Sean Tate

    Branch Manager

    Visit their site

    Christopher Uldricks

    Loan Officer

    (520) 627-1580Visit their site

    John August Klein

    Loan Officer

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    John Titone

    Loan Officer

    Visit their site

    Michael Muhlethaler

    Loan Officer

    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.
    ◆
    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 759 families & counting

    ★★★★★4.8759 verified reviews
    "
    John was a good person to work with and he was very respectful and did everything very well
    James W C.
    Savannah, GA · via John Titone
    May 2026
    "
    Sean quickly responded to my emails and preservered in pushing my mortgage-loan application through the processing system.
    William L G.
    Renton, WA · via Sean Tate
    September 2026
    "
    John and his team are the best. The Best home refi experience we ever had. Outstanding communication and follow up. Would highly recommend!
    Brian Elliott A.
    Marietta, GA · via John Titone
    April 2026
    “
    i dealt with Jalen Weaver,he was really great.IF he is part of Mr.Tate's team that's great
    John F B.
    Goodyear, AZ · via Sean Tate
    January 2026
    “
    Very professional and responsive to questions.
    Deborah Ann A.
    Marietta, GA · via John Titone
    March 2026
    “
    Sean was always on it when I neede to get paperwork signed and let me know everything that happened great communication with jim and such a pleasant man in general .
    Eric D.
    Hop Bottom, PA · via Sean Tate
    September 2026
    “
    Him working with me on the part I needed to capitalize on for a smooth and successful transaction, it was all work and no play for both ends. Thanks again team John
    Franklin D W.
    Winfield, AL · via John Titone
    November 2025
    “
    Sean and his team were very thorough with all aspects of the loan process. We look forward to working with them again in the future .
    Michelle M L.
    Green Bay, WI · via Sean Tate
    January 2026
    “
    John and his team are awesome! From start to finish! Made my refinancing experience very easy.
    Marc E B.
    Everett, WA · via John Titone
    September 2025
    “
    You made it so easy for me! I was used to a long drawn out process and you simplified it. Thank you
    Irene W.
    Aurora, CO · via Sean Tate
    September 2026
    “
    John was professional and knowledgeable regarding the process and consistently kept me informed . one of the best customer service experiences I've ever had. Thank you
    Jonathan David T.
    Chickamauga, GA · via John Titone
    December 2024
    “
    He did a great job explaining the process ??
    Eileen Cassandra P.
    Middletown, CT · via Sean Tate
    January 2026
    “
    Communications were clear and responses to inquiries were addressed quickly
    Christopher M C.
    Middleburg, FL · via Sean Tate
    September 2026
    “
    very warm presentation/representation of the process, available when needed every step of the way with a great outcome.
    Darlene Shuff P.
    Middletown, CT · via Sean Tate
    January 2026
    “
    Sean. Personalable, polite, informative, and not "salesy".
    Preston C.
    West Columbia, SC · via Sean Tate
    September 2026
    “
    Sean is very knowledgeable! He had a great ability to explain all the steps along the way and made the entire process a breeze.
    Danielle M.
    Cloverdale, CA · via Sean Tate
    December 2025
    “
    All persons Mike, Shannon, Jeanine we're very helpful, knowledgeable throughout the process. Enjoyed every moment of conversations. I truly feel blessed to have been able to meet with them. Praying that you and they have a GOD day/life
    Linda A.
    Roseville, MN · via Sean Tate
    September 2026
    “
    We have never had the loan process go so easily or quickly. We will reccomend Sean to our friends and family.
    Lorraine A T.
    Watsonville, CA · via Sean Tate
    August 2026
    Real Estate Partners

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    We provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet AI for instant updates. Let's build a partnership that elevates your business.

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    Visit Us

    Our Branch

    Direct to Consumer

    American Financial Network · NMLS #237341

    Address
    111 Santa Rosa Ave, Suite 222
    Santa Rosa, CA 95404
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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