DOWNEY

    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 #23734117+ Years ExperienceLicensed Nationwide
    2,591+
    Loans Closed
    17+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Alex Ascencio

    Divisional Manager

    (562) 413-1087Visit their site

    Julia Aguilar

    Loan Officer

    Visit their site

    Moloka Williams

    Loan Officer

    Visit their site

    Ofelia Garduno

    Loan Officer

    Visit their site

    Roberto Mendoza

    Loan Officer

    Visit their site

    Vanessa Sanchez

    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 777 families & counting

    ★★★★★4.9777 verified reviews
    "
    Made it happen for my family and I. Easy to work with and just really happy with the process! I was not sure what I was doing but my team did!
    Angela C L.
    Paramount, CA · via Alex Ascencio
    September 2026
    "
    Julia is super knowledgeable and attentive when it comes to my mortage needs. Looking forward to doing more business with her.
    Carlos Jose L.
    Bell, CA · via Julia Aguilar
    March 2026
    "
    I highly recommend Ofelia she was always on point and very quick to answer all my quest.
    Rebeca P.
    Perris, CA · via Ofelia Garduno
    October 2025
    “
    The customer service and how everyone went the extra mile to help us through the process
    Jose Manuel R.
    Baldwin Park, CA · via Roberto Mendoza
    March 2025
    “
    Very efficient staff always able to reach someone to answer any question.
    Santos E.
    Downey, CA · via Alex Ascencio
    September 2026
    “
    Thank you for guiding us through this journey Julie. You made this experience a lot less stressful than expected. Liliana and I appreciate you helping us out.
    Jose Ricardo A.
    Downey, CA · via Julia Aguilar
    December 2022
    “
    II had a grea exexpeexperieexperienceexperience withexperience with Ofeliaexperience with Ofelia because she wasexperience with Ofelia because she was really helpfulexperience with Ofelia because she was really helpful and she would keepexperience with Ofelia because she was really helpful and she would keep meexperience with Ofelia because she was really helpful and she would keep me updatedexperience with Ofelia. She was really helpful and she would keep me updated and evenexperience with Ofelia. She was really helpful and she would keep me updated and even thoughexperience with Ofelia. She was really helpful and she would keep me updated and even though we wentexperience with Ofelia. She was really helpful and she would keep me updated, and even though we went through someexperience with Ofelia. She was really helpful and she would keep me updated, and even though we went through some struggles.experience with Ofelia. She was really helpful and she would keep me updated, and even though we went through some struggles, she wasexperience with Ofelia. She was really helpful and she would keep me updated and even though we went through some struggles, she was there helpingexperience with Ofelia. She was really helpful and she would keep me updated, and even though we went through some struggles, she was there helping meexperience with Ofelia. She was really helpful and she would keep me updated, and even though we went through some struggles, she was there helping me along the wayexperience with Ofelia. She was really helpful and she would keep me updated, and even though we went through some struggles, she was there helping me along the way.experiencewithOfelia.She wasreally helpfulandshewouldkeepmeupdated,andeventhoughwewentthroughsomestruggles,shewastherehelpingmealongthe way.
    Yecenia G A.
    Hemet, CA · via Ofelia Garduno
    April 2025
    “
    Clear and concise communication and follow-though. Non-judgemental and kind service.
    Carmina O.
    Whittier, CA · via Roberto Mendoza
    April 2022
    “
    Alex and his team were very helpful in my home buying experience! They helped me with all the questions I had and made this first time home buying experience very easy for me! Thank you so much for all the hard work!
    Bobby Angel G.
    Azusa, CA · via Alex Ascencio
    August 2026
    “
    The entire process was very professional and fast.
    Steven M.
    Norwalk, CA · via Julia Aguilar
    January 2018
    “
    They’re just a wonderful group always willing to help
    Adriana A.
    29 Palms, CA · via Ofelia Garduno
    October 2024
    “
    you have a great team. very helpful & attentive with my concerns. i really appreciate everything you and your team did to help me out.
    Raquel S.
    Los Angeles, CA · via Roberto Mendoza
    September 2021
    “
    He is the best of the best; He always helped us with whatever we needed. Thanks for everything Alex! Dios le Bendiga!
    Maria De Los Angeles A.
    Pico Rivera, CA · via Alex Ascencio
    August 2026
    “
    Financing took longer than expected due to the seller, literally over 3 months. I am a first time home buyer and AFN helped me through the whole process. They are very knowledgeable and will do everything to help you get into your new home. They held my hand and never once did I hesitate to call with my many questions. Without a doubt I would recommend American Financial Network to all my family and friends.
    Jaclyn C.
    Whittier, CA · via Julia Aguilar
    December 2017
    “
    She help us all the time, first of all, speaking in Spanish so we could understand better, also great attitude and professionalism. Thank you so much for your help!
    Ivan L.
    Rialto, CA · via Ofelia Garduno
    October 2022
    “
    Very friendly helpful understanding answered all are questions guided us through everything
    Gerardo M.
    Monterey Park, CA · via Roberto Mendoza
    September 2021
    “
    First of all, we want to thank Alex Ascencio's team for having made this dream come true. It was the best decision we made, they helped us and advised us in everything at all times, they were always friendly and professional.
    Maria Julia C.
    Huntington Park, CA · via Alex Ascencio
    August 2026
    “
    Very helpful and always listening to questions with pleasant answers
    Carlos O.
    Downey, CA · via Julia Aguilar
    December 2017
    “
    Ofelia was very helpful with the whole process, felt more of a family then a stranger, I highly appreciate her Service on helping me and my family put us on a new home in the city of San Bernardino. Definitely recommend her.
    Edwin T M.
    San Bernardino, CA · via Ofelia Garduno
    July 2022
    “
    Robert and team were very informative and readily available if we had any questions through the process. Making our whole experience great during these times.
    Lorena S.
    Monterey Park, CA · via Roberto Mendoza
    September 2021
    “
    I had a great experience working with Alex Ascencio. From the very beginning he was professional , knowledgeable and always available to answer my questions and concerns. The loan process had its challenges, but Alex stayed on top of everything and guided me through each step with patience and reassurance. Alex made, what could have been a very stressful experience much easier. He worked hard to get the best loan that I could get for my home remodel. I appreciate all of his help and highly recommend him to anyone who is looking for a loan officer who cares about his clients.Thank you, Alex, for helping me through this important milestone!
    Anna Mazzara32
    Downey, CA · via Alex Ascencio
    August 2026
    “
    AFN is great team . highly recommend to all my friends and family
    Eli G.
    Riverside, CA · via Julia Aguilar
    November 2017
    “
    Ofelia was great, she was always available for us if we had any questions . She did our first mortgage 10 years ago . We love working with her .
    Juan A G.
    San Bernardino, CA · via Ofelia Garduno
    June 2022
    “
    He went out of his way to resolve issues that occur.
    Alicia G.
    South El Monte, CA · via Roberto Mendoza
    February 2021
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    Our Branch

    Downey

    American Financial Network · NMLS #237341

    Address
    8635 Florence Ave., Suite 207
    Downey, CA 90240
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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