HARWOOD BRANCH

    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 #2373413+ Years ExperienceLicensed Nationwide
    41+
    Loans Closed
    3+
    Years in Business
    5.0
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Shannon Smith-Wood

    Branch Manager

    Visit their site

    Gina Ganthier

    Loan Officer

    (240) 351-8200Visit their site

    John Fischer

    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 18 families & counting

    ★★★★★5.018 verified reviews
    "
    John worked very hard and stayed committed, sticking with me until the very end. I truly appreciate his dedication and suppor
    Emmitt W.
    Churchton, MD · via John Fischer
    September 2026
    "
    consistent and clear communication throughout the entire process!
    Shaun K.
    Lutz, FL · via Shannon Smith-Wood
    October 2025
    "
    very knowledgeable answered all my questions and helped me through the whole process
    Leo Phillip C.
    Greensboro, MD · via John Fischer
    June 2026
    “
    Don't know if you read these John, but thanks! I know you're doing your job but we do appreciate the help.
    Paul N.
    Baltimore, MD · via John Fischer
    April 2026
    “
    Helped with everything we needed and always was quick to answer
    Thomas Kenneth W.
    Davidsonville, MD · via John Fischer
    December 2025
    “
    times a little bit frustrating with deadlines but other than that no problem
    James Ritter P.
    Waldorf, MD · via John Fischer
    December 2025
    “
    Everything move fairly quick, instructions were always clear and if we needed further explanation they would take the time to do it.
    Sofia Alejandra C.
    Upper Marlboro, MD · via John Fischer
    December 2025
    “
    Very friendly and professional. Did everything he could to make sure I was taken care of to the best of their ability
    Kristan Renee P.
    Indian Head, MD · via John Fischer
    November 2025
    “
    John was fantastic. He made the whole process of refinanfeel easand effortless. He provided me with multiple options and gave me advice based on my financial goals. Would highly recommend and will continue to use John in the future.
    Alessandro R.
    Crofton, MD · via John Fischer
    October 2025
    “
    Working with the entire team was amazing they are highly knowledgeable and handled everything quickly . felt like I was working with family the whole time .
    Garry Michael F.
    Hughesville, MD · via John Fischer
    April 2025
    “
    John thanks for knowing how to navigate throughout this loan process its alot and you made the process much easier
    Charles R.
    Jessup, MD · via John Fischer
    February 2025
    “
    John and team were an absolute pleasure to do busines. We were always kept abreast of next steps and directions . Very dedicated to clients and went above and beyond.
    Andrea Lee W.
    Jessup, MD · via John Fischer
    January 2025
    “
    John and his team were knowledgeable, thorough, and efficient. They answered all my questions clearly and made the loan process seamless. Highly recommend!
    Patrick T C.
    Pasadena, MD · via John Fischer
    November 2024
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    Our Branch

    Harwood Branch

    American Financial Network · NMLS #237341

    Address
    90 Painters Mill Road Suites 210-213
    Owings Mills, MD 21117
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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