SEMIDEY BRANCH

    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 #237341Licensed Nationwide
    22+
    Loans Closed
    4.8
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Rafael Semidey

    Branch Manager

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    Bouy Lim

    Loan Officer

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    Jose L Semidey

    Loan Officer

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    Judith Campos

    Loan Officer

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    Leif Eric Colon

    Loan Officer

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    Mst Yesmin

    Loan Officer

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    Sharee Covington

    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 5 families & counting

    ★★★★★5.05 verified reviews
    "
    Jose Semidey has helped my clients with several loans over the past few years and they have always been very pleased. Would not go anywhere else for mortgage financing, Jose speaks Spanish very well"
    Anthony Daquin
    via Jose L Semidey
    March 2018
    "
    Mr. Rafael Semidey acted very professionally throughout the transaction and always keep me informed with the loan process.
    Juan F C.
    Garrett Park, MD · via Rafael Semidey
    September 2026
    "
    Great communication, quick responses, and a smooth process from start to finish. Highly recommend!
    Renzo Paolo B.
    Ranson, WV · via Rafael Semidey
    July 2026
    “
    I had a great experience working with Rafael Samedey on financing my recent investment property. They were knowledgeable, responsive, and made the entire process smooth from start to closing. I especially appreciated their clear communication and ability to navigate the details of investment lending with confidence. Highly recommend!
    Gonca Y.
    Dundalk, MD · via Rafael Semidey
    February 2026
    “
    very good experience with Rafael, very professional and knowledgeable of his work.
    Gustavo D C.
    Germantown, MD · via Rafael Semidey
    December 2025
    Real Estate Partners

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    Our Branch

    Semidey Branch

    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
    Get in Touch

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