TRABUCO CANYON

    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 #2373414+ Years ExperienceLicensed Nationwide
    39+
    Loans Closed
    4+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Richard Alan Yonis

    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
    →
    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 18 families & counting

    ★★★★★4.918 verified reviews
    "
    Rich and Jamie worked hard to get this done for me
    Loriann B M.
    Delray Beach, FL · via Richard Alan Yonis
    August 2026
    "
    Thank you so much for giving me this opportunity to rich my goal!
    Elvira R.
    Henderson, NV · via Richard Alan Yonis
    March 2025
    "
    I recently had the pleasure of working with AFN and their team, and I couldn’t be more impressed with the experience. From start to finish, they provided exceptional service and guidance throughout the entire mortgage process. Richard Yonis took the time to thoroughly explain every step, ensuring I fully understood all my options and what to expect. They were incredibly patient, answering all my questions with clarity and professionalism. Their responsiveness was top-notch — whether it was via phone, email, or text, I always received a quick reply, and they were always available to address any concerns. The whole process felt smooth and stress-free, and I truly felt like I had a knowledgeable, trustworthy partner in my corner. Thanks to their expertise and dedication, I secured a great rate and closed on time with no issues. I highly recommend American Financial Network to anyone looking for a reliable, supportive, and professional mortgage lender. If you're looking for someone who will go above and beyond to make sure you’re taken care of, Mr. Yonis is the person you want! Thank you again for your excellent service!
    Miriam P.
    Kissimmee, FL · via Richard Alan Yonis
    January 2025
    “
    Great communication, very knowledgeable!
    Andrei B.
    Dania Beach, FL · via Richard Alan Yonis
    December 2024
    “
    Richard has been very responsive and communicative throughout the whole process as someone going through this for the first time! Can't recommemd him enough and look forward to working together again in the future!
    Silvia V.
    Naples, FL · via Richard Alan Yonis
    November 2024
    “
    I had an excellent experience working with Richard Yonis from American Financial Network for my mortgage. From the start, the team was professional, responsive, and knowledgeable. Richard patiently explained every step of the process and answered all my questions, making what could be a stressful experience much more manageable. Their rates were competitive, and they were transparent about fees and costs. I especially appreciated how they kept me informed throughout the entire process, ensuring there were no surprises along the way. The entire process was smooth, and I felt confident I was in good hands. Highly recommend American Financial Network to anyone in the market for a mortgage!
    Miriam P.
    Kissimmee, FL · via Richard Alan Yonis
    September 2024
    “
    Very knowledgeable and patient. Always available and in good spirit, simply best lender I've ever dealt with.
    Harvin P.
    Kissimmee, FL · via Richard Alan Yonis
    September 2024
    “
    Richard was amazing at representing us as his clients. Our closing delayed because of issues beyond his control but he remained professional and kept us informed at all times. His guidance helped us so much and we appreciate all of his hard work.
    Jennifer Marie C.
    Plantation, FL · via Richard Alan Yonis
    April 2024
    “
    Richard answered every questions and kept us updated at all times.
    Kelvin Isaias C.
    Plantation, FL · via Richard Alan Yonis
    April 2024
    “
    This refi took 3+ months and the most intess underwriting I have ever experience. Richard was a wonderful quarterback and coach. Thank you Richard
    Robert T.
    Banning, CA · via Richard Alan Yonis
    January 2024
    “
    Richard handled all the numbers, he showed me all my option and it made deciding a breeze. I highly recommend him.
    Rouben A.
    Banning, CA · via Richard Alan Yonis
    October 2023
    “
    Richard and team communicated clearly throughout the process and were great to work with.
    Christy Noel B.
    Mission Viejo, CA · via Richard Alan Yonis
    May 2023
    “
    Richard was informative and professional; he walked us step-by-step through our first home purchase. We could not be more thrilled with his work.
    Hayden Andrew B.
    Mission Viejo, CA · via Richard Alan Yonis
    May 2023
    “
    Rich went above and beyond to ensure my Wife and I were taken care of during the whole home-buying process! We are extremely happy with his level of service and dedication to making sure everything went smoothly.
    Andrew Kitchell N.
    San Marcos, CA · via Richard Alan Yonis
    May 2023
    “
    Richard is the reason we chose AFN over other lenders. He matched another offer and really took the time to explain everything to us. That meant a lot as a first time buyer.
    Patrick Robert N.
    Sun Valley, CA · via Richard Alan Yonis
    December 2022
    “
    Richard was so great to walk us through our first time buying a home. He explained everything clearly and simply, he was extremely responsive and most of all he was a relentless advocate to get us what we needed to close. Richard, thank you!
    Tanya Escarzega V.
    Menifee, CA · via Richard Alan Yonis
    August 2022
    “
    Rich kept me up to date on my loan status and his communications with the escrow company every day!
    Robin Sue Y.
    Green Valley, AZ · via Richard Alan Yonis
    April 2022
    “
    Richard was in constant contact with me and was helpful in getting me the loan I needed.
    William R B.
    Orange, CA · via Richard Alan Yonis
    February 2022
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    Our Branch

    Trabuco Canyon

    American Financial Network · NMLS #237341

    Address
    3175-E Sedona Court Suite # 2
    Ontario, CA 91764
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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