SKOKIE

    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 #23734110+ Years ExperienceLicensed Nationwide
    739+
    Loans Closed
    10+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Marlene Smith

    Branch Manager

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    Julie Waldron

    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.
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    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.

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    Estimate monthly payments based on your actual scenario
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    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 960 families & counting

    ★★★★★4.9960 verified reviews
    "
    Julie communicates everything very clearly and as quickly as she can. We were never waiting too long for a response unless it was communicated beforehand that there would be a delay. She made the whole thing very easy to process.
    Jasmine T
    via Julie E Waldron
    September 2026
    "
    Marlene was an excellent loan officer to work with. She was always available, offered good insights, was willing to make whatever needed to be done happen, and quickly. She was friendly, kind, personable, and moved the process along seemlessly, no matter what was going on from her end. That is remarkable service.
    Azariah P.
    Milwaukee, WI · via Marlene Smith
    August 2026
    "
    Communication was very clear, quick, and easy with Julie. She and her team made everything smooth and easy. We already have friends and family asking who we went through because their experience (or what they've heard from others) has never been like ours.
    Jasmine L A.
    Burlington, WI · via Julie E Waldron
    September 2026
    “
    Marlene was very informative, professional and had our best interest. She was very responsive and attentive to all details. Anytime my husband or I reached out she had the answers we needed. If I had to do this all over again, I wouldn't change anything. Thank you again Marlene!! We appreciate everything you did to get us into our home!!!
    Olga B.
    Milwaukee, WI · via Marlene Smith
    July 2026
    “
    Julie made the process extremely easy and she was always easy to get ahold of. Loved working with her, my realtor enjoyed working with her as well. Will definitely refer her and if needed I'd work with her again. I'm extremely grateful to have her working on my behalf. Stephenie
    Stephenie Ruffin
    via Julie E Waldron
    August 2026
    “
    Marlene was very helpful, she answered every question I asked in prompt fashion. Going through this process for the first time, she made it feel easier than I expected .
    Dominique B.
    Milwaukee, WI · via Marlene Smith
    July 2026
    “
    Julie made the process extremely easy and she was always easy to get ahold of. Loved working with her, my realtor enjoyed working with her as well. Will definitely refer her and if needed I'd work with her again. I'm extremely grateful to have her working on my behalf. Stephenie
    Stephenie R R.
    Germantown, WI · via Julie E Waldron
    August 2026
    “
    The communication . Marlene made it personal . very professional but personal . I did not feel like I was just another number. I appreciate the follow up . In the midst of her own struggles she was still there for me. For me that spoke volumes and was priceless. Thank you Marlene.
    Joan J.
    Milwaukee, WI · via Marlene Smith
    June 2026
    “
    Julie was available around the clock to answer question! She provided great service!
    Navita K.
    Milwaukee, WI · via Julie E Waldron
    August 2026
    “
    Mrs. Marlene is the best. She is very responsive ams and specific. She walkked walked me through the whole process and made it so easy I appreciate her and the work she does.
    Damien G.
    Milwaukee, WI · via Marlene Smith
    April 2026
    “
    how responsive and helpful Julie is Amazing. She tell you all the options you are looking for and what is best option for you.
    Mohsin K.
    Milwaukee, WI · via Julie E Waldron
    July 2026
    “
    Marlene was easy to reach and extremely heful in getting me the best rates. Her expertise and professionalism assured me that I was in good hands .
    Erika S.
    Milwaukee, WI · via Marlene Smith
    March 2026
    “
    Yulie is a great person; even though we speak different languages, she always found a way for us to understand each other. She is very patient and, above all, very quick to get the information she needs. I recommend her.
    Elder R.
    Milwaukee, WI · via Julie E Waldron
    July 2026
    “
    Marlene is absolutely amazing at her job. Working with her is stress free. Even if I were to get stressed she would talk to me, so I wouldn't feel as stressed. Marlene is up there in the aspect of one of my favorite people I have meet. Thank you Marlene.
    Dylan James S.
    Wauwatosa, WI · via Marlene Smith
    February 2026
    “
    Julie stayed in constant contact throughout the process. She answered any questions I had, even outside of business hours. She made the buying process fairly stress free for me. Very appreciatice appreciative.
    Brandon J M.
    South Milwaukee, WI · via Julie E Waldron
    June 2026
    “
    Marlene Smith the biggest help to me. I've used her twice now in both times I can't tell you what an awesome help she was and made things so easy for me. I believe Marlene to be one of your greatest assets!!!! thank you sincerelyh Jewell Smith
    Jewell S.
    Wauwatosa, WI · via Marlene Smith
    January 2026
    “
    Julie is very efficient, with extensive knowledge and a speedy process.
    Rosa C.
    Milwaukee, WI · via Julie E Waldron
    May 2026
    “
    Marlene walked us through the entire process. Took the time to answer all of our questions and concerns.Explained how to use emails , and all questions.
    Marlisa M.
    Milwaukee, WI · via Marlene Smith
    December 2025
    “
    Julie was amazing from start to finish. I would highly recommend her!!
    April D W.
    Milwaukee, WI · via Julie E Waldron
    May 2026
    “
    She really worked with me to get me through
    Deontae W.
    Milwaukee, WI · via Marlene Smith
    September 2025
    “
    Julie is very knowledgeable. She takes pride in prividing the best possible service/experience for her customers. Quick responsive communication is key in her line of work and the communication she has is unmatched. I would recommend her to anyone! 10/1
    Mark T P.
    Waterford, WI · via Julie E Waldron
    May 2026
    “
    Marlene is simply AMAZING!!!! From every hurdle and valley Marlene was right by my side!! I am so appreciative of all the hard work and dedication I received from her.
    Yasmine M.
    Milwaukee, WI · via Marlene Smith
    September 2025
    “
    Julie was there for me, especially since I was computer illiterate. No matter what time I called she was available. I would definitely recommend her. Thanks Julie!
    Diann C G.
    Waukesha, WI · via Julie E Waldron
    April 2026
    “
    Marlene is a great person her communication is on point and she just cares about what's going on making the process easier.
    Damien G.
    Milwaukee, WI · via Marlene Smith
    August 2025
    Real Estate Partners

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    Our Branch

    Skokie

    American Financial Network · NMLS #237341

    Address
    12970 West Bluemound Road Suite 306
    Elm Grove, WI 53122
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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