THE IRVINE 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.

    NMLS #23734111+ Years ExperienceLicensed Nationwide
    3,749+
    Loans Closed
    11+
    Years in Business
    4.7
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Sam Testing Rumi

    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.

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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 641 families & counting

    ★★★★★4.8641 verified reviews
    "
    Our initial dialog was exceptionally serene and pleasant. He is not only respectful of our needs but also knowledgeable. He absolutely adds significant value to your business. His skill set is undoubtedly exceptional.
    Edward A D.
    Jacksonville, FL · via Sam Rumi
    September 2026
    "
    George has my interest and concerns at the top.He is informative at every level and follows up before I contact him. Also, Jaime was excellent as well in keeping me informed and her follow up was tops. Never had to wait on answers to mu questions.
    Jerry M.
    Knoxville, TN · via Sam Rumi
    August 2026
    "
    This is my second time using Sam. As from tge first time, Sam was very knowledgeable, worked hard to get my loan and was available to answer any of my questions. It was a great experience to work with him second time.
    Theodora L L.
    Bellingham, WA · via Sam Rumi
    July 2026
    “
    The experience and they treated us like family and kept us updated on everything and patience to help with whatever we needed. And that is very rare in some situations I will refer you're company to all I know, as to the pleasant new family we have. THANK YOU SINCERELY THERESA AND LARRY VANGIESON.
    Theresa J V.
    Bonners Ferry, ID · via Sam Rumi
    June 2026
    “
    Communication was wonderful The response time 100
    Regina Denise S.
    San Diego, CA · via Sam Rumi
    April 2026
    “
    Sam and Jamie were absolutely fantasti, very quick to respond to my questions and needs. I hate utilizing technology and they helped me greatly with the process
    Russel B.
    Leeds, ME · via Sam Rumi
    March 2026
    “
    The constant communication throughout the process; made our experience great and we've worked with Sami over the years and hasn't forgotten about us.
    Christopher Michael H.
    Spanaway, WA · via Sam Rumi
    March 2026
    “
    Angelique is a caring person. Its not just a transaction to her. I greatly appreciated the personal care.
    Aaron A M.
    Santa Fe, NM · via Sam Rumi
    March 2026
    “
    Working with Sam Rumi and Jaime Bowen on my refinance was a great experience. They were incredibly fast, professional, and made what I thought would be a complicated process, simple and painless. Highly recommend!"
    Miriam Yanet G.
    Greenfield, CA · via Sam Rumi
    March 2026
    “
    I give Sam 5 stars. He was very polite, professional, and proficient. He's very knowledgeable about his job. He explained everything in layman's terms which i understood. He kept me posted about each phase. He was such a pleasure to work with. His team mate Annalyce was amazing. She did an outstanding job along with the underwriting team. I hope to do business again in the near future.
    John H N.
    Richmond, VA · via Sam Rumi
    January 2026
    “
    Sam was very personable and anytime I had a question he was always available to answer it he was patient.
    Jose Jesus L.
    Fontana, CA · via Sam Rumi
    January 2026
    “
    Our representative Angelique Brown made it great. She was efficient and has excellent communication skills.
    Tammy M M.
    Beavercreek, OH · via Sam Rumi
    January 2026
    “
    Great communication and easy access to documents
    Christopher C M.
    Beavercreek, OH · via Sam Rumi
    December 2025
    “
    Sam was prompt and responsive every step of the way. He answered our questions before we knew we had them then answered quickly and accurately when we did have questions (even after the closing). He listened to our needs without judgment and helped us to a successful outcome. Sam helped make this a quick and painless process keeping us informed along the way.
    Ginger B.
    Rochester, WA · via Sam Rumi
    December 2025
    “
    Sam was very pleasant and professional. Whenever we had a question or concern, his response was immediate and he made us feel at ease. Our loan process moved along very quickly. There was never a day we felt out of touch with the steps needed to take from our end. Thank you for everything!
    David L. Z.
    Acworth, GA · via Sam Rumi
    December 2025
    “
    Sam was knowledgeable and very responsive to any questions we had. He also was able to make changes for us quickly when one of the items that was going to be paid off changed.
    Victoria Erin O.
    Santa Fe, NM · via Sam Rumi
    November 2025
    “
    Great communication and great team to work with
    Jared N. P.
    Greensboro, NC · via Sam Rumi
    November 2025
    “
    Good communication and helped me thru the whole process. Im I'm very pleased with everyone
    Michael A W.
    Stanfield, NC · via Sam Rumi
    November 2025
    “
    Angeliqe and April were exeptional. Angeliqe was so easy to work with and she went above and beyond to make sure everything went well and that the processes was smooth. She stayed in touch with me through the whole procesess. I would definitly recomend your service to any one I know. I am compleatly happy with your service.
    Gregory Brent B.
    Vancouver, WA · via Sam Rumi
    November 2025
    “
    Sam was knowledgeable in dealing with my refinance. All my questions were answered and he guided me through the process with ease.
    Theodora L L.
    Bellingham, WA · via Sam Rumi
    October 2025
    “
    The staff were quick to give me the true answers, even if it was something I didn't like, they were very thorough with the explanation of what was happening/going to happen.
    Gabriel Y. G.
    Pickerington, OH · via Sam Rumi
    September 2025
    “
    George Dalou was a great support during my refinance process because I had initially contacted a group that didn't have my best interest in mind. Thanks George!! Thalia Duncan-Alexander
    Thalia D.
    Dayton, OH · via Sam Rumi
    September 2025
    “
    your interest rates and charges are a little high
    Jeffrey W.
    Fort Mohave, AZ · via Sam Rumi
    August 2025
    “
    Sam was very quick to respond and if he did not know the answer he would find it out for me right away.
    Heather D J.
    Lima, OH · via Sam Rumi
    August 2025
    Real Estate Partners

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    Our Branch

    The Irvine Branch

    American Financial Network · NMLS #237341

    Address
    68 Discovery
    Irvine, CA 92618
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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