NORTHERN ARIZONA

    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.

    Apply NowSchedule a Call
    NMLS #2373413+ Years ExperienceLicensed Nationwide
    443+
    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.

    Travis Bredeson

    Area Manager

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    Harry Walker

    Loan Officer

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    Kate Warrick

    Loan Officer

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    Mariana Calton

    Loan Officer

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    Tia Deanna Payne

    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
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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 679 families & counting

    ★★★★★4.9679 verified reviews
    "
    Harry made sure all my questions were answered!!
    Karen S.
    Gloucester City, NJ · via Harry Walker
    November 2025
    "
    Ease of process and great communication!
    Abel S.
    Lake Havasu City, AZ · via Kate Warrick
    April 2026
    "
    Mariana was amazing to work with through this entire process. She was great checking in with us regularly and made it all feel so much easier than loans I have had in the past.
    Jorgen H.
    Lake Havasu City, AZ · via Mariana Calton
    July 2026
    “
    Kept me informed and calm with changes in the documents for an easy closing.
    Michael S P.
    Hendersonville, TN · via Tia Deanna Payne
    May 2026
    “
    Travis and his team are some of the best loan officers and representatives for this company! They walked me through the entire process and made it easy!
    Amanda M.
    Franklin, TN · via Travis Scott Bredeson
    September 2026
    “
    Harry always makes sure you understand every aspect of the transaction along the way.
    Debra L U.
    Salem, NJ · via Harry Walker
    October 2025
    “
    Kate was awesome, she has amazing customer service! I would definitely refer her to my family and friends if and when they are ready to purchase a home! Thank you !!
    Lludi A.
    Lake Havasu City, AZ · via Kate Warrick
    April 2026
    “
    Mariana is hyper-communicative and extremely patient and tolerant especially with those of us who require a bit of "hand-holding" through the process. It has been a pleasure to work with her again as this is the second property I have purchased with Mariana. It is without hesitation that I would refer anyone I know to work with her and her team!
    David H.
    Bullhead City, AZ · via Mariana Calton
    June 2026
    “
    Easy instructions and good communication make it easy process.
    Tara O.
    Kingman, AZ · via Travis Scott Bredeson
    September 2026
    “
    Working with Mariana was wonderful! Highly highly recommend working with her!
    Kendall Nicole S.
    Lake Havasu City, AZ · via Mariana Calton
    June 2026
    “
    Great communication from the whole team to help us but our home!
    Kaitlyn J.
    Murrieta, CA · via Travis Scott Bredeson
    August 2026
    “
    It was so pleasant working with Mariana. I especially liked her interface with our agent. Great service and wonderful experience!
    Cheryl Diane L.
    Lake Havasu City, AZ · via Mariana Calton
    May 2026
    “
    Travis made my buying process painless and helped me get my ducks in a row. he was super helpful and was always extremely responsiv.
    Tyler Lee C.
    Lake Havasu City, AZ · via Travis Scott Bredeson
    August 2026
    “
    Mariana was very helpful and thorough. Was able to get everything done quickly.
    Karen G.
    Lake Havasu City, AZ · via Mariana Calton
    April 2026
    “
    3rd time financing with Travis, impressed as always. Thank you!
    Blake J.
    Murrieta, CA · via Travis Scott Bredeson
    July 2026
    Real Estate Partners

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    Visit Us

    Our Branch

    Northern Arizona

    American Financial Network · NMLS #237341

    Address
    500 Craig Road Suite #202
    Manalapan, NJ 07726
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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