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.

    NMLS #2373413+ Years ExperienceLicensed Nationwide
    95+
    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

    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.
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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 39 families & counting

    ★★★★★5.039 verified reviews
    "
    Gary was amazing every step of the way
    Jesse H.
    Elmira, NY · via Gary M. Ayer II
    August 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
    "
    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
    “
    Gary is the best there is. Incredibly knowledgable
    Joseph James V.
    Milford, PA · via Gary M. Ayer II
    July 2026
    “
    Gary's knowledge and persistence to achieve our goals
    Kathleen Macbeth B.
    Estero, FL · via Gary M. Ayer II
    June 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
    “
    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
    “
    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
    “
    My experience with Gary was excellent — the process was smooth, transparent, and fast from start to finish. The team was professional, responsive, and always took the time to answer my questions clearly. I felt confident and supported every step of the way, making the entire financing experience stress-free.
    Berk K.
    Hammond, LA · via Gary M. Ayer II
    October 2025
    “
    Gary treats his customers like trusted friends, offering a level of communication that’s rare in today’s world. He guides you through every step of the process with genuine care, making the experience effortless and stress-free.
    Robeidy O.
    Parkland, FL · via Gary M. Ayer II
    August 2025
    “
    Gary is always available to answer a question or keep us up to date on the loan process. He has good solutions depending our particular situations. we have had a very good experience working with him and the company.
    Jeffrey B.
    Hammond, LA · via Gary M. Ayer II
    August 2025
    “
    Gary gives the kind of customer experience that we all want but very few truly give anymore! He will bend over backwards to help you out! Not only does he communicate with you from start to finish, but he also thouroghly explains everything the entire time. If you truly want customer service, Gary is the guy! Thank you Gary!
    Jacob S.
    Lexington, OH · via Gary M. Ayer II
    May 2025
    “
    Gary is an expert at what he does. He is very knowledgeable, efficient, accessible, highly responsive, transparent, and most importantly , Gary will work extremely hard for you, whatever your financial situation may be--he will make it happen! Thank you, Gary!
    Ruba O B.
    Wake Forest, NC · via Gary M. Ayer II
    April 2025
    “
    Gary's work ethic and getting the deal closed
    Timothy G.
    Williamsville, NY · via Gary M. Ayer II
    March 2025
    “
    Gary pushes you to get the job done Great experience workin Definitely recommend them to people I know
    Michael L.
    Forked River, NJ · via Gary M. Ayer II
    January 2025
    “
    Gary and John were always available for any question I had and helped me a lot when the seller's attorney and the bank attorney were not cooperating well with the closing date and docs needed to close. Gary and John worked hard to make my deal run smoothly and fast, it is too bad the seller's attorney and bank attorney were not as respectful or concerned about that.
    Holly Anne C.
    Buffalo, NY · via Gary M. Ayer II
    January 2025
    “
    gary and the whole AFN familydid great and took care of us.
    Erik G.
    Melbourne, FL · via Gary M. Ayer II
    December 2024
    “
    We had the absolute pleasure of working with Gary and John for our mortgage needs, and we cannot say enough good things about them. From the very beginning, they were incredibly kind, approachable, and made us feel comfortable throughout the entire process. What stood out most was their thoroughness. They took the time to present us with multiple loan options, carefully walking us through the pros and cons of each. This made us feel confident in making the best decision for our family. Even when the seller’s title company was slow to act, Gary and John were quick to step in and ensure everything on their end moved along efficiently. Their ability to handle everything swiftly and without wasting our time was remarkable. They are not only highly knowledgeable and trustworthy but also a joy to work with. Their personable approach made what can often feel like a daunting process smooth and stress-free. On top of that, they were extremely organized, always letting us know exactly what was needed and quickly addressing any roadblocks along the way. We would highly recommend Gary and John to anyone looking for exceptional service. We’ll certainly be reaching out to them for all of our future purchases. Thank you both for making this such a positive experience!
    Haya B.
    Wake Forest, NC · via Gary M. Ayer II
    December 2024
    “
    Gary is extremely efficient and professional. We always felt we were given the right honest advice. He truly made our home buying process as smooth as possible. Gary gets it done! The website interface is quite good as well.
    Gretter C.
    Pembroke Pines, FL · via Gary M. Ayer II
    September 2024
    “
    Gary is amazing. Talk about someone who gets things done. It was amazing to work with someone so knowledgeable, quick to get things done, so many different recommendations on all aspects of the process. It truly was a pleasure to work with him.
    Leonardo M.
    Pembroke Pines, FL · via Gary M. Ayer II
    September 2024
    “
    Gary was simply amazing! I worked with him on a very very complicated closing and not only did he go above and beyond with his creativity to get the deal to the closing table but also get the best possible terms for the buyer. He was very patient with my constant follow-up during high pressure times and I certainly look forward to working with him again. You're in good hands with Gary!
    Hayden T.
    via Gary M. Ayer II
    September 2024
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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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