LAKE RIDGE

    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 #2373416+ Years ExperienceLicensed Nationwide
    323+
    Loans Closed
    6+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Florangel Pernia

    Branch Manager

    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
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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 75 families & counting

    ★★★★★4.975 verified reviews
    "
    Florangel helped me a lot in the process of my loan for my house, she answer every question that I had. It was great to work with her . I fully recommend her . I really appreciate her help and professionalism during the process of my loan.
    Daniel Ernesto E.
    Stafford, VA · via Florangel Pernia
    April 2026
    "
    I want to express my sincere appreciation to the team at American Financial Network. You did an outstanding job. Your guidance, communication, and dedication made the entire experience smooth and stress-free. Thank you for the excellent service.
    Nicolas M.
    Woodbridge, VA · via Florangel Pernia
    November 2025
    "
    Muy amable y siempre atenta a cualquier inquietud que yo tenía
    Zoraida I.
    Woodbridge, VA · via Florangel Pernia
    October 2025
    “
    I had a great experience because everything was smooth and well organized. Everything was delivered on time, and the final result was exactly what I expected. It truly exceeded my expectations!
    Mario Alberto V.
    Fredericksburg, VA · via Florangel Pernia
    June 2025
    “
    Great communication. The process was faster that expected.
    Alejandra Paola C.
    Dumfries, VA · via Florangel Pernia
    April 2025
    “
    the communication what needed to be done what was going on was great! Florangel was very nice in the process!
    Rudy Anival V.
    Dumfries, VA · via Florangel Pernia
    April 2025
    “
    Thanks to Florangel I was able to buy my first house, my home with a down payment assistance home mortgage loan for first time home buyers. She is very professional, very knowledgeable, reliable and an experienced Loan Officer. She took the time to review my credit situation a year ago and she walked me through the process for months to get me ready to buy. I will recomend her to all my friends and family.
    Rodolfo Alberto L.
    Front Royal, VA · via Florangel Pernia
    March 2025
    “
    We truly couldn't speak more highly of Florangel. She consistently made herself available for our calls and was always knowledgeable in answering our (many) questions. We are lucky to say she was the forefront in our home buying experience and we are beyond grateful for her outstanding service and guidance. Always maintaining a friendly, professional and genuine demeanor and going above and beyond. Her tenure in the industry is clear and we would 10/10 recommend Florangel to anyone buying a home.
    Courtney M S.
    Woodbridge, VA · via Florangel Pernia
    March 2025
    “
    Florangel was always accessible and kept me informed and up to date with any new changes. It was a pleasure being her customer.
    Michael Angelo C.
    Fairfax, VA · via Florangel Pernia
    January 2025
    “
    Florangel really cares!! Knowledgeable and has very clear communication.
    Diana Carol R.
    Woodbridge, VA · via Florangel Pernia
    October 2024
    “
    Thank you for the help, we really appreciate your good work
    Marvin L.
    Stafford, VA · via Florangel Pernia
    August 2024
    “
    Good service. You guys make an excellent job. I really appreciate all your support and help. For sure I will recommend you to my family and friends.
    Marlen Suyapa M.
    Woodbridge, VA · via Florangel Pernia
    August 2024
    “
    Great communication, wonderful customer service. Florangel is friendly, understanding, she does a great job on what she does. I will recommend her without a doubt.
    Sonia P.
    Dumfries, VA · via Florangel Pernia
    August 2024
    “
    First I want to thank Florangel Pernia for helping me again with this process. She is a very attentive and professional person and she’s always attentive during this process. Thanks again
    Juan Alberto R.
    Fredericksbrg, VA · via Florangel Pernia
    July 2024
    “
    to be able to buy my first house with the help of you
    Beto Alfredo V.
    Stafford, VA · via Florangel Pernia
    July 2024
    “
    very good communication and professional.
    Dagoberto T.
    Temple Hills, MD · via Florangel Pernia
    May 2024
    “
    Florangel was very informative, detailed and proactive. Everything was taken care of quickly and I was given all the details I needed to feel comfortable with the process.
    Leonard James N.
    Springfield, VA · via Florangel Pernia
    May 2024
    “
    The communication was clear and consistent and the website was easy to navigate
    Rachel Katherine K.
    Alexandria, VA · via Florangel Pernia
    October 2023
    “
    I do know Ms.Florangel for the past 7years. She helped us genuinely to buy the first house. Since then she is the lender I do trust her experience, knowledge, courtesy, and loyalty. Ms. Florangel has great personality with professionalism! She is always available to reach and has willingness to answer my questions. I didn’t know about the AFN, but now because of Ms. Florangel I found out that the company serves the people because of her. Recently, Ms. Florangel and her team member name Emelly helped us to buy the second property with their patience - when sometimes we are late to present docs. Thank you so much!
    Seyoum Lingerih M.
    Woodbridge, VA · via Florangel Pernia
    July 2023
    “
    The process was made very professional and kept me informed at all times.
    Julissa Elizabeth S.
    Fairfax, VA · via Florangel Pernia
    June 2023
    “
    Ella trabajó mucho porque obtuviera la casa.. Es una excelente persona.
    Leonel Antonio F.
    Hyattsville, MD · via Florangel Pernia
    May 2023
    “
    She answers all my questions and thanks for everything you do for me
    Mercy J S.
    Woodbridge, VA · via Florangel Pernia
    April 2023
    “
    She is a very professional person, very good at what she does. I feel very happy with the service she gave me. We had very good communication.
    Josselyn S.
    Woodbridge, VA · via Florangel Pernia
    April 2023
    “
    Florangel and her team are amazing work with professionalism. They made me feel confident in taking every step during all this long process and were always available and ready to help. I’m greatly thankful for all
    Gloria Mercedes D.
    Centreville, VA · via Florangel Pernia
    March 2023
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    Our Branch

    Lake Ridge

    American Financial Network · NMLS #237341

    Address
    3302 Old Bridge Road, Suite A
    Woodbridge, VA 22192
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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