HILLSBOROUGH

    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 #2373414+ Years ExperienceLicensed Nationwide
    623+
    Loans Closed
    4+
    Years in Business
    4.9
    Average Client Rating
    Loan Programs

    Every option. Your best fit.

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    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.
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    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 413 families & counting

    ★★★★★4.9413 verified reviews
    "
    From the inital application to the completion of the loan Derick was amazing. We appreciated his patience and professionalism and he made us feel comfortable throughout the process. Any questions that we had were answered in timely manor. We would happily refer our friends and family to AFN.
    Rose Marie M.
    Bradenton, FL · via Derrick Stewart
    August 2026
    "
    We had an excellent experience working with keith. From the very beginning, he was knowledgeable, responsive, and always willing to answer our questions. He guided us through every step and made what could have been a stressful experience feel smooth and manageable. We truly appreciate all of his hard work and highly recommend him to anyone. thank you Keith!
    Daniela P.
    Fort Myers, FL · via Keith Williams
    May 2026
    "
    We had an excellent experience working with Troy. His advice and guidance helped us navigate the loan process efficiently and successfully. We were quite satisfied with the service provided and would recommend his service to anyone seeking a loan.
    May C.
    Key Largo, FL · via Troy Borkowski
    September 2026
    “
    Tori always answered my phone calls and got back to me with any new information I needed.
    Elizabeth S.
    San Antonio, FL · via Victoria Stein
    September 2025
    “
    Derrick Stewart was great to work with very knowledgeable and professional..
    Michael M.
    Bradenton, FL · via Derrick Stewart
    August 2026
    “
    Keith leads worh with absolute competence and in a day when ciatomer customer swevice is a rarity – he owns the game. The entire team go above and beyond to take care of what you need and answer questions and look into things for you. You don't need to worry about anything they handle it all which made the process so much better.
    Claudia F M.
    St Petersburg, FL · via Keith Williams
    February 2026
    “
    Troy was always available to talk with us throughout the process. We appreciated Troy's knowledge and advice from helping to select the right type of mortgage to ensuring that we were prepared for closing. It was a great experience working with Troy and we would recommend him to others looking for a mortgage.
    Tracy L L.
    Key Largo, FL · via Troy Borkowski
    September 2026
    “
    Tori is exceptional to work with! She is professional and kept us informed at all times during the loan process. Her knowledge and willingness to go above and beyond are refreshing in this day and age. She was always available to answer questions or help us understand certain processes. Her warm personality is a welcoming attribute that made me feel calm and reasured during some of the more difficult situations while applying for a mortgage. Thank you Tori for helping us make our dream come true!
    Deborah S.
    Dunedin, FL · via Victoria Stein
    July 2025
    “
    Derrick has always gone above and beyond for us! He's always easy and responsive with his communication, and has helped us tremendously whenever there was an issue arise with our home purchased . We have now used Derrick on multiple occasions to secure our loans, and we won't be using anyone else in the future. his always eased the stress of home buying and the mortgage process and it's made every experience a great one
    Nadine H.
    Landrum, SC · via Derrick Stewart
    July 2026
    “
    Could not have asked for a better experience! He was incredibly helpful in navigating my first home purchase. Positive, thoughtful, responsive, the best!
    Jillian B.
    via Keith Williams
    November 2025
    “
    Troy was able to close my home purchase within two weeks . He consistently communicated with us, keeping us up to date on the process. I can't thank him enough !
    Alicia S.
    Clearwater, FL · via Troy Borkowski
    August 2026
    “
    Tori made it happen. She communicated regularly and was always upbeat knowledgeable.
    Steven S.
    Dunedin, FL · via Victoria Stein
    July 2025
    “
    Derrick was amazing at every step in the process. He is supportive and professional but treats you like a friend. He went above and beyond helping us find insurance policies at a great rate. He was fast and efficient handling our quick close date. He made everything seem easy and smooth from our perspective. We highly recommend Derrick!
    James E.
    Hollywood, FL · via Derrick Stewart
    June 2026
    “
    Keith and Elizabeth were fantastic to work with! Responsive, clear direction, reassuring and courtesy when answering all my questions. I felt like they were invested in helping me complete my home purchase.
    Jillian B.
    St Petersburg, FL · via Keith Williams
    November 2025
    “
    Troy was fantastic in helping purchase my home. He was available whenever I called and/or emailed. I came into this process feeling uncomfortable, but Troy was able to give me confidence through knowledge. I highly recommend him for others.
    Nathaniel Erickson
    via Troy Borkowski
    August 2026
    “
    Derrick was super responsive to all of my questions and was able to get me approved for financing in an insanely short window. I referred him to a friend before the process was even finished!
    MaKenzie D.
    Fort Lauderdale, FL · via Derrick Stewart
    April 2026
    “
    did a lot of talking on subjects that I was really not interested in. My first visit. Also, I thought it was a little slow in getting alone finalize.. Be alone now not alone the loan.
    Sandra S S.
    Saint Petersburg, FL · via Keith Williams
    June 2025
    “
    Troy was fantastic in helping us purchase our home. He was available whenever we called and/or emailed. I came into this process feeling uncomfortable, but Troy was able to give me confidence through knowledge. I highly recommend him for others.
    Nathaniel E.
    Brandon, FL · via Troy Borkowski
    August 2026
    “
    Despite of all challenges and obstacles we faced in the process to get approved and obtain the funds Derrick did whatever was needed to achieve the goal in the right time.
    Rafael Enrique V.
    Riverview, FL · via Derrick Stewart
    April 2026
    “
    Keith Williams has always treated us like family and gone the extra mile to make sure that we are able to navigate through the home purchasing process. He is also assisted us with refinancing as well. He is always happy to help, always there to answer questions, and always willing to go the extra mile. I would highly recommend him!
    Jessica R.
    Vero Beach, FL · via Keith Williams
    February 2025
    “
    Highly responsive and provided apt advice, allowing for rapid closing on home
    Ryan Michael B.
    Saint Petersburg, FL · via Troy Borkowski
    August 2026
    Real Estate Partners

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    Our Branch

    Hillsborough

    American Financial Network · NMLS #237341

    Address
    5331 Primrose Lake Circle, Suite 224
    Tampa, FL 33647
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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