LANDMARK EXECUTIVES

    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.

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    NMLS #2373413+ Years ExperienceLicensed Nationwide
    48+
    Loans Closed
    3+
    Years in Business
    4.8
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Tom Reed

    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
    →
    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

    ★★★★★4.818 verified reviews
    "
    Tom was always in communication with us and walked us through ever step. Great job~!!
    Billie Jo G.
    The Villages, FL · via Tom Reed
    August 2026
    "
    Timely communication, knowledgeable, great guidance - made a cumbersome process easy to understand
    Kathleen C.
    The Villages, FL · via Tom Reed
    August 2026
    "
    Tom Reed and team were outstanding to work with, great communication and support.
    Kevin C.
    The Villages, FL · via Tom Reed
    July 2026
    “
    The people were great with communication
    Lisa A F.
    The Villages, FL · via Tom Reed
    July 2026
    “
    Always available to take calls & answer questions & concerns .
    John A D.
    The Villages, FL · via Tom Reed
    June 2026
    “
    Tom was excellent and takes very good care of his customers.
    Mark Philip H.
    The Villages, FL · via Tom Reed
    May 2026
    “
    We had some bad timing with our experience Tom was out of office/ it was a Friday when we reached out and the market took a wrong turn over that weekend. Even with that we feel like Tom communicated well especially after we asked for daily updates due to the rapidly changing market. we are happy with our experience
    Hana Carol W.
    Tallahassee, FL · via Tom Reed
    April 2026
    “
    Response time to my questions were incredibly fast and things were explained clearly. Buying a home is very stressful and was put at ease with explanations of procedure.
    Stella A P.
    The Villages, FL · via Tom Reed
    April 2026
    “
    I really appreciated the advice I received which made the loan process much easier and allowed me to trade up on the final purchase. I also found Tom to be patient, a quality he needed since I had lots of questions.
    Robert G S.
    Lady Lake, FL · via Tom Reed
    March 2026
    “
    Tom and the team were quick and concise in all of our communications. They provided excellent care and made this a smooth transaction.
    Jerrold Marc D.
    The Villages, FL · via Tom Reed
    October 2025
    “
    Tom & his staff was very knowledgeable, available, and was able to assist us on every part of the proceess.
    John E V.
    The Villages, FL · via Tom Reed
    October 2025
    “
    Our loan officer, Talmadge was on top of everything from start to finish and kept us well informed as we went through the prosess.
    Truman Junior H.
    The Villages, FL · via Tom Reed
    August 2025
    “
    Tom Reed is very knowledgeable about mortgage loans and I'm thrilled to have him as my loan officer
    Emmanuel Osei M.
    Leesburg, VA · via Tom Reed
    August 2025
    “
    Tom was great to work with and communicated/coordinated everything in an efficient and expiditious manner.
    Martin E G.
    The Villages, FL · via Tom Reed
    July 2025
    “
    The communication from the team we worked with was phenomenal.
    Tamara Lynn M.
    The Villages, FL · via Tom Reed
    April 2025
    “
    Tom Reed and his associates were very helpful and patient navigating us through this process made especially difficult since we were doing this remotely. The team was responsive, supportive and professional. I highly recommend.
    Robin K.
    The Villages, FL · via Tom Reed
    April 2025
    “
    Tom was readily available for questions. He is knowledgeable and his advice is sound.
    Victoria Paul Y.
    The Villages, FL · via Tom Reed
    April 2025
    “
    Great communication and explanations on how everything works!
    Andrew C.
    Ashburn, VA · via Tom Reed
    April 2025
    Real Estate Partners

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    Our Branch

    Landmark Executives

    American Financial Network · NMLS #237341

    Address
    415 SE 17th Place
    Ocala, FL 34471
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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