THE CLOSERS

    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
    13+
    Loans Closed
    5.0
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Lucy Rivera

    Branch Manager/Loan Officer

    Aida Ferra

    Loan Officer

    Visit their site

    Alexandra Florescu

    Loan Officer

    (773) 971-9703Visit their site

    Veronica Cevallos

    Loan Officer

    (551) 655-2190Visit 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 1 families & counting

    ★★★★★5.01 verified review
    "
    Lucy and her team at AFN are excellent. They are very professional and detailed, with great communication skills. They go above and beyond to achieve customer satisfaction, while ensuring the right deal for the customer is done correctly. I definitely recommend to potential home buyers.
    Luis R O.
    North Bergen, NJ · via Lucy Rivera
    October 2026
    Real Estate Partners

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    Our Branch

    The Closers

    American Financial Network · NMLS #237341

    Address
    623 Ridge Rd, Suite 303
    Lyndhurst, NJ 07071
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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