THE AYER GROUP AT AFN

    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
    96+
    Loans Closed
    3+
    Years in Business
    5.0
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Gary M. Ayer II

    Branch Manager

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    Samuel Johnny

    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.

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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 48 families & counting

    ★★★★★5.048 verified reviews
    "
    Mr. Ayer was so professional at his job that was unbelievable, he went through every detail of the loan from start to finish, he explained every step of the loan one by one from what we needed to do what we needed to get, until he got the lian approve. i can not tell you enough of Mr. Ayer job very well done thank you thank you Mr. Ayer you guys need to have more people like him working for your company.
    Matthew G.
    Oyster Bay, NY · via Gary M. Ayer II
    October 2026
    "
    Sam was very informativ, responsive answering my calls and text whether late in the evening or weekends. He would call and give updates and educate me on the process step by step
    Michelle C.
    Dallas, TX · via Samuel Johnny
    September 2026
    "
    Gary was amazing every step of the way
    Jesse H.
    Elmira, NY · via Gary M. Ayer II
    August 2026
    “
    Great service, very personable, quick turnaround, won staff experience as well!
    Harrison D.
    Dallas, TX · via Samuel Johnny
    September 2026
    “
    Gary is always available and lets us know exactly what we need to do. he has been a big help to us.
    Jeffrey B.
    Gulfport, MS · via Gary M. Ayer II
    August 2026
    “
    Amazing he made a wayand put us in the best postion
    Jazzmyn P.
    Dallas, TX · via Samuel Johnny
    September 2026
    “
    Gary went above and beyond in this process for us. So glad we partnered with him and I would refer him to anyone looking. Exceptional service from start to finish!
    Allyson Nicole R.
    Milford, PA · via Gary M. Ayer II
    July 2026
    “
    Sam was communicative, available and helpful!
    Shadia A.
    Southfield, MI · via Samuel Johnny
    September 2026
    “
    Gary is the best there is. Incredibly knowledgable
    Joseph James V.
    Milford, PA · via Gary M. Ayer II
    July 2026
    “
    The End was kind of rocky with certain paperwork signing but that didnt didn't have anything to do with Sam
    Devon C.
    Detroit, MI · via Samuel Johnny
    August 2026
    “
    Gary's knowledge and persistence to achieve our goals
    Kathleen Macbeth B.
    Estero, FL · via Gary M. Ayer II
    June 2026
    “
    Sam was on top of everything and answered all my questions, any time of the day. Great experience
    Kevina B.
    Eastpointe, MI · via Samuel Johnny
    July 2026
    “
    The professional treatment we received by Gary could not ave been better, The quick response helpful hints to complete our documents and E-sign. The explanations to move forward in the loan process and his sensitivity to our personal information. I would recommend Gary and AFN to anyone who needs financial help with their finances. For personal Private help call Gary he will find the your solutions as he did for us. Thank you, Joe Viscuso
    Joseph A V.
    St Petersburg, FL · via Gary M. Ayer II
    May 2026
    “
    Sam was Very knowledgeable and explaining the process of homeownership! He was always available for me.
    Michelle S J.
    Redford, MI · via Samuel Johnny
    July 2026
    “
    Gary is responsive, knowledgable and amazing to work with. Eases the home buying process.
    Jonathan L.
    Laud By Sea, FL · via Gary M. Ayer II
    April 2026
    “
    Communication with Samuel is always top - tier. Hes He's quick to respond and inform. Rebecca was a joy as well. I love how stress-free and quick the entire process was!!
    Letiticia B.
    Crosby, TX · via Samuel Johnny
    April 2026
    “
    Gary was incredibly helpful in guiding my partner and I through this process. Given that this was our first time going through a lender, he was incredibly helpful explaining things to us in a way we could understand. He was also very efficient and moved quickly to get us to our closing date. I would highly recommend Gary!
    William A C.
    Oakland Park, FL · via Gary M. Ayer II
    March 2026
    “
    Gary was always readily availiable. As first time home buyer there were no limit or silly question for Gary. He was always available and we truly appreciated his expertise and helping us every step of the way. He truly facilitated the path to our dream home. Thank you Gary!
    Manuel A E.
    Oakland Park, FL · via Gary M. Ayer II
    March 2026
    “
    Gary treated this process like it was for his own home we are beyond grateful for his tireless effort and transparency we will be recommending him to all family and friends
    Kevin J. W.
    West Babylon, NY · via Gary M. Ayer II
    February 2026
    “
    Gary's support and communication were superb. He was very helpful in keeping the process moving, often working after hours.
    William Joseph M.
    Buffalo, NY · via Gary M. Ayer II
    February 2026
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    Our Branch

    The Ayer Group at AFN

    American Financial Network · NMLS #237341

    Address
    1451 W. Cypress Creek Road, Suite 300
    Ft Lauderdale, FL 33309
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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