IRVINE EXCHANGE

    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 #2373413+ Years ExperienceLicensed Nationwide
    122+
    Loans Closed
    3+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    John Reed

    Branch Manager

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    Alan Cipolletti

    Loan Officer

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    Hanh Duong

    Loan Officer

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    James Thiel

    Loan Officer

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    John Mathew Kramer

    Loan Officer

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    Mario Pierce

    Loan Officer

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    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
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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 526 families & counting

    ★★★★★4.9526 verified reviews
    "
    Working with Alan and his team was an amazing experience from start to finish. Their communication was outstanding—they kept me informed every step of the way and were always quick to answer any questions I had. What really stood out was how efficient and on top of everything they were. They made the entire home-buying process feel smooth and stress-free, and consistently got things done quickly and professionally. I always felt like I was in good hands. I’m so grateful to have had Alan as my lender and would highly recommend him and his team to anyone looking to buy a home!
    Sabrina L.
    La Mirada, CA · via Alan Cipolletti
    April 2026
    "
    We had a great experience working with Jim throughout the entire home loan process. He was knowledgeable, responsive, and always available to answer our questions and explain things along the way. We really appreciated his guidance, patience, and communication, especially as we worked through the different steps required to get our loan approved and closed. Jim made us feel supported throughout the process and worked hard to help us get to the finish line. We are very grateful for his help in making the purchase of our new home possible. Thank you, Jim!
    Yahaira Martinez
    via James Thiel
    September 2026
    "
    Mario was extremely quick in his communication And made things easy even when issues arose.
    Jeremy K.
    Irvine, CA · via Mario Pierce
    August 2026
    “
    Alan went above and beyond to get us into a home
    Zachary B.
    Ventura, CA · via Alan Cipolletti
    August 2025
    “
    We had a great experience working with Jim throughout the entire home loan process. He was knowledgeable, responsive, and always available to answer our questions and explain things along the way. We really appreciated his guidance, patience, and communication, especially as we worked through the different steps required to get our loan approved and closed. Jim made us feel supported throughout the process and worked hard to help us get to the finish line. We are very grateful for his help in making the purchase of our new home possible. Thank you, Jim!
    Jose E M.
    Downey, CA · via James Thiel
    September 2026
    “
    Mario is the best! He stays on top of everything, and nothing ever falls through the cracks. As a first-time homebuyer, I had a lot of naive questions, but he was always patient and took the time to explain everything clearly. I couldn’t have asked for a better experience!
    Pedro R.
    Hawthorne, CA · via Mario Pierce
    October 2025
    “
    i cannot say grateful my husband and i are for Alan and his team. As first time homeowners , Alan helped our process with patience , kindness, understand, and expertise . Alan and his team consistantly had iur best interests in mind, what a gem in this field .
    Bryce C.
    Ventura, CA · via Alan Cipolletti
    August 2025
    “
    Jim has been consistent, transparent and trustworthy over the last 3 years since he first helped me secure my mortgage. No one else i would rather work with
    Nathan G.
    Laguna Niguel, CA · via James Thiel
    March 2026
    “
    Responds quickly, easy to communicate with and always comes up with a solution
    Karlo Alendi E A.
    Long Beach, CA · via Mario Pierce
    April 2024
    “
    Alan made this a truly great experience for my wife and I. The process was quick and easy, with Alan in constant communication with us to answer any of our questions that popped out through this transaction.
    Ryan L.
    Garden Grove, CA · via Alan Cipolletti
    November 2024
    “
    Jim was outstanding to work with throughout my loan process. He was knowledgeable, responsive, and incredibly patient in explaining every step, which made what could have been a stressful experience feel smooth and manageable. Jim was always available to answer questions, kept everything moving on schedule, and made sure I understood my options so I could make confident decisions. His professionalism and attention to detail really stood out, and it was clear he genuinely cared about getting the best possible outcome for me. I would absolutely recommend Jim to anyone looking for a reliable, trustworthy loan officer who goes above and beyond for their clients.
    Darda Coe
    via James Thiel
    February 2026
    “
    Mario Pierce personalizes his services to meet the needs of his clients and provide support to overcome difficult situations. My husband and I are grateful to Mario for hnis passion and dedication during the whole process, especially when we encountered some challenges and felt that we weren't at all ready, Mario always presented solutions and assured us that it can be done. He explained every step and was very patient and accommodating even outside business hours. My husband and I know the importance of a solid home foundation and when we felt like we're drowning in the process, Mario gave us hope and remained committed to finish what we started. When we felt like we were gambling and about to lose, we trusted Mario and he never failed, he delivered. I am forever indebted to Mario for helping us in our very first home loan. I will pay my monthly mortgage of course, but I can never pay him back for making this homebuying experience possible. For that, Mario will always be part of our home, our family.
    Lorie Ann G A.
    Long Beach, CA · via Mario Pierce
    April 2024
    “
    Alan was fantastic throughout the whole process. He was very responsive and always happy to give any explanations or insight for any of our questions.
    Callum James Campbel W.
    Rancho Mission Viejo, CA · via Alan Cipolletti
    May 2024
    “
    Jim was outstanding to work with throughout my loan process. He was knowledgeable, responsive, and incredibly patient in explaining every step, which made what could have been a stressful experience feel smooth and manageable. Jim was always available to answer questions, kept everything moving on schedule, and made sure I understood my options so I could make confident decisions. His professionalism and attention to detail really stood out, and it was clear he genuinely cared about getting the best possible outcome for me. I would absolutely recommend Jim to anyone looking for a reliable, trustworthy loan officer who goes above and beyond for their clients.
    Darda Nela C.
    Orange, CA · via James Thiel
    February 2026
    “
    Alan was very attentive and very knowledgeable. It has been a pleasure working with him.
    Afshan S.
    Aliso Viejo, CA · via Alan Cipolletti
    May 2023
    “
    Jim is my go to guy for all things finance . I will follow him to whatever company he works for.
    Samantha Rose R.
    Menifee, CA · via James Thiel
    January 2026
    “
    I’ve been working with Alan within the past 5 years for several mortgages and/or re-fis. You get the best rate from him and if you can’t he won’t trap you with credit run. Very professional, honest, responsive and knowledgeable.
    Puneh P.
    Rancho Santa Margarita, CA · via Alan Cipolletti
    May 2023
    “
    Prompt communication. I knew what was going to happen next and my action items going forward
    James Robert S.
    Lancaster, CA · via James Thiel
    January 2026
    “
    As a first time buyer, Alan made the process so easy and explained everything clearly throughout the process.
    Afshan S.
    Aliso Viejo, CA · via Alan Cipolletti
    May 2023
    “
    I worked with Jim Thiel for over 15 years as my main lender, not just for my purchases and refy's, but for all my buyer. 15 years of partneship says enough!
    Ioana L.
    Murrieta, CA · via James Thiel
    January 2026
    Real Estate Partners

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    Our Branch

    Irvine Exchange

    American Financial Network · NMLS #237341

    Address
    10 Pointe Drive, Suite 330
    Brea, CA 92821
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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