Jim Thiel · Loan Officer
Your home journey,
guided by people who care
Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every step focused on an on-time closing.
NMLS #9078933+ Years ExperienceLicensed in 3 States
50
Recent Loans Closed
3+
Years Experience
4.93★
Average Rating (481 reviews)
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Jim, a Loan Officer at American Financial Network licensed in 3 states. Reach out to discuss your homeownership goals.
Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.
“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #907893
Licensed 3 States
AFN NMLS #237341
A Better Way
Traditional process vs. working with us
Traditional Process
✕
Phone tag & voicemail
Wait hours or days for a callback from your loan officer
✕
Manual paperwork
Print, sign, scan, and email stacks of documents
✕
Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Jim + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Jim follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
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Real-time status tracking
Know exactly where your loan stands at every moment
→
Faster, predictable closings
Streamlined process means fewer delays and no surprises
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 AI-powered mortgage assistant
Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Jim's expertise and AFN's full lending platform. When you're ready, Jim steps in personally.
→
Estimate monthly payments based on your actual scenario→
Explore loan programs matched to your situation→
Start your application without waiting for a callback→
Check local market conditions and neighborhood dataS
Sophia
Backed by Jim · NMLS #907893
Hi, I'm Sophia — Jim's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences
Trusted by families nationwide
★ ★ ★ ★ ★
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
AFN Client
★ ★ ★ ★ ★
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
★ ★ ★ ★ ★
Long working relationship with Jim .
Judith Rose C.
Banning, CA
★ ★ ★ ★ ★
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
★ ★ ★ ★ ★
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
AFN Client
Tools
Payment Calculator
$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years
This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.
Real Estate Partners
Are you a real estate agent?
I provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet for instant updates. Let's build a partnership that elevates your business.
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