SUNSHINE 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.

    Apply NowSchedule a Call
    NMLS #2373411+ Years ExperienceLicensed Nationwide
    62+
    Loans Closed
    1+
    Years in Business
    5.0
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Ozzie Rabinowitz

    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
    →
    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 106 families & counting

    ★★★★★5.0106 verified reviews
    "
    Made the process very clear and simple. Always easy to get in touch with.
    Dena H.
    Jackson, NJ · via Ozzie Rabinowitz
    August 2026
    "
    From the first time I reached out to Ozzie, I knew I wanted to work with him. He never pushed me, but rather got to know me and my needs, ensured that I felt confident in what my buying power was, and supported me throughout the process. When he added Amy into the process, the level of communication only continued to be top notch. Highly recommend!
    Daniel Abromowitz
    via Ozzie Rabinowitz
    August 2026
    "
    From the first time I reached out to Ozzie, I knew I wanted to work with him. He never pushed me, but rather got to know me and my needs, ensured that I felt confident in what my buying power was, and supported me throughout the process. When he added Amy into the process, the level of communication only continued to be top notch. Highly recommend!
    Daniel A.
    Boca Raton, FL · via Ozzie Rabinowitz
    August 2026
    “
    The entire team at AFN was an absolute pleasure to work with. They made our first home buying experience a breeze.
    Michael J M.
    Neptune, NJ · via Ozzie Rabinowitz
    August 2026
    “
    Fast response time. Very professional. Would recommend..
    Ken Mahony
    via Ozzie Rabinowitz
    June 2026
    “
    ozzie did a great job getting everthing done fast and and efficiant with great rates and amazing service !
    Mordechai E.
    Rahway, NJ · via Ozzie Rabinowitz
    May 2026
    “
    Very pleasant experience, always on top of everything. I'm someone that's always busy, needs to prodded a bit, you guys do it in such good emphatic wa
    Mordchai K.
    Jackson, NJ · via Ozzie Rabinowitz
    May 2026
    “
    Ozzie is a real pro! His expertise in the field is obvious! Add to it his care, concern and patience for each client makes him a number one choice for a mortgage broker!!
    Kayla L.
    Lakewood, NJ · via Ozzie Rabinowitz
    April 2026
    “
    Ozzie is on top of everything. I do all my banking loans with him and he has yet to disappoint me.
    Mordechai S.
    Lakewood, NJ · via Ozzie Rabinowitz
    March 2026
    “
    and his team were always available to answer questions. They are extremely knowledgeable and responsive, and they stay involved with the process from day one through a closing.
    Darren M.
    Holmdel, NJ · via Ozzie Rabinowitz
    March 2026
    “
    Ozzie makes financing quick and easy. He is always available to answer any questions and gets the job done right in an efficient manner.
    Brad J D.
    Holmdel, NJ · via Ozzie Rabinowitz
    February 2026
    “
    Ozzie and Amy were incredible throughout the entire process. Closing was quick and easy and honestly stress free with their help! They were on top of everything so there was no delay delays on the buyer side. I would definitely recommend to my future clients. A+ on support and guidance !
    TP RealEstate
    via Ozzie Rabinowitz
    February 2026
    “
    . Thank you Ozzie and Amy for your support throughout the entire process you guys were amazing and anytime I had a question you were there. Couldn't have asked for a better support system.
    Tania P.
    Newark, NJ · via Ozzie Rabinowitz
    February 2026
    “
    Professional, but very courteous, helps work through all the issues and easily available.
    Christopher M.
    Little Torch Key, FL · via Ozzie Rabinowitz
    January 2026
    “
    Ease of working together, speed of process, finding solutions. AMAZING!!!!
    Shoshana B G.
    Jackson, NJ · via Ozzie Rabinowitz
    November 2025
    “
    Ozzie communicated with me during ever step of the process. He made the whole process very pleasant. I would strongly recommend him to anyone that needs a mortgage.
    Gary H.
    Waldwick, NJ · via Ozzie Rabinowitz
    November 2025
    “
    Ozzie, It was a pleasure dealing with you and your team. You were on top of this every step of the way making sure we got the best deal possible. Looking forward to dealing with you and your team again.
    Yehuda Buckwold
    via Ozzie Rabinowitz
    October 2025
    “
    I had an excellent experience with Ozzie . The staff was professional, knowledgeable, and always ready to answer my questions. The loan process was smooth and transparent, with clear explanations of every step. I especially appreciated the quick turnaround time and the personalized attention I received. I truly feel valued as a customer and would highly recommend to anyone looking for reliable financial services
    Agustin G.
    Elizabeth, NJ · via Ozzie Rabinowitz
    September 2025
    “
    he was on everything he kept me abreast what was happening amazing communication skills, and he got results done
    Mordechai S.
    Lakewood, NJ · via Ozzie Rabinowitz
    August 2025
    “
    Super professional, easygoing and a pleasure to work with!
    Bas-Tzion Fishman
    via Ozzie Rabinowitz
    August 2025
    “
    Ozzie worked with us and was a great communicator. He was able to close the loan very timely. He has a great assistant Amy as well. She is great at getting all the documents we needed.
    Yisroel K.
    Toms River, NJ · via Ozzie Rabinowitz
    July 2025
    “
    Friendly, insightful and a pleasure to work with
    Kyle D
    via Ozzie Rabinowitz
    July 2025
    “
    Ozzie provided exceptional customer experience. Highly recommended!
    Tuvia Tobias
    via Ozzie Rabinowitz
    July 2025
    “
    Very informative, always available, puts clients' best interests first. Would use services again. Thank you!
    Tara Oliver
    via Ozzie Rabinowitz
    July 2025
    Real Estate Partners

    Are you a real estate agent?

    We provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet AI for instant updates. Let's build a partnership that elevates your business.

    Partner With Us
    Visit Us

    Our Branch

    Sunshine Branch

    American Financial Network · NMLS #237341

    Address
    67 NW 183rd street, Suite 108
    Miami, FL 33169
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

    Ready to get started?

    I'm interested in:

    Our team typically responds within 24 hours. No bots, just expert advice.