T-VILLE

    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 #2373418+ Years ExperienceLicensed Nationwide
    965+
    Loans Closed
    8+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Tim Miller

    Regional Branch Manager

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    Anthony Scarpa

    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.

    →
    Estimate monthly payments based on your actual scenario
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    Explore loan programs matched to your situation
    →
    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 405 families & counting

    ★★★★★4.9405 verified reviews
    "
    Anthong Scrape was great. My husband and I our experience was awesome he made the process less stressful. He always communicated quickly whenever we had question , very helpful with his knowledge. Thank you we are enjoying our new home….
    Tamika L V.
    Glassboro, NJ · via Anthony Scarpa
    August 2026
    "
    Tim did what another loan officer tried to do in less than half the time. So I know Tim has plenty of experience......great job.
    Carlton Joseph M.
    Philadelphia, PA · via Tim Miller
    October 2026
    "
    Tony was great the whole process took me long time to find a place he was alway encouraging and pleasant answered all and any concerns and qurstions tonty webt above and beyond couldnt have done it without him
    Joseph J W.
    Vineland, NJ · via Anthony Scarpa
    October 2025
    “
    My experience with Tim was one of the most immaculate, humble person I've ever dealt with. He knew how to target the areas that we found difficulties that we were having with other lenders. He knew how to make his customers calm. And also reassure them that they're in good hands. So my experience with tim was great coming in buying a home as a first home buyer, the team was wonderful.
    Jennifer A M.
    Philadelphia, PA · via Tim Miller
    October 2026
    “
    I felt like I was in good hands from start to finish
    Zachary J J.
    Runnemede, NJ · via Anthony Scarpa
    July 2025
    “
    Would recommend Tim highly to anyone. Knowledgeable, personable, and goes above and beyond to help you out.
    James M.
    Millville, NJ · via Tim Miller
    October 2026
    “
    Tony and Michele explained every detail and was very prompt on everything communications was excellent with Michele and Tony
    Steven V L.
    Bridgeton, NJ · via Anthony Scarpa
    September 2024
    “
    Tim has serviced many mortgage loans for me and my family. In the past 3 years he has helped us through the purchase of 3 homes between my husband and me and our children. He is thorough and knowledgable. He leaves no stone unturned and keeps in touch every step of the way while also being available whenever you have a question or concern. We would recommend no one else.
    Susan M.
    Millville, NJ · via Tim Miller
    October 2026
    “
    When i had a question about anything no matter what time of the day or night, Mr. Tony was available to answer my questions.
    Ebony M C.
    Brooklawn, NJ · via Anthony Scarpa
    April 2024
    “
    made me feel like I asked irrelevant questions. Always able to speak on the phone or through text very attentive and made the process smooth with my FHA loan process.
    Shanna M.
    Clementon, NJ · via Tim Miller
    August 2026
    “
    Everyone who played a part was very sufficient and over excellent to us thank you so much
    Tia H.
    Sicklerville, NJ · via Anthony Scarpa
    February 2024
    “
    Communication was easy and Tim prepared everything for us as quickly as we sent it over.
    Kevin L.
    Cherry Hill, NJ · via Tim Miller
    August 2026
    “
    Tony was very knowledgeable, available and honest. Made the process less stressful.
    Carlondra J.
    Jenkintown, PA · via Anthony Scarpa
    July 2023
    “
    We honestly can't thank Tim enough for everything he did throughout my mom and I home-buying journey. As a first-time homebuyer, we had so many questions and worries, but Tim was there every step of the way. He always took the time to explain everything clearly, never made us feel like our questions were too much, and kept us updated throughout the entire process. Thanks to Tim, we were able to purchase our first home, and we couldn't be more grateful. If you're looking for a mortgage lender who is knowledgeable, trustworthy, responsive, and genuinely cares about his clients, We highly recommend Tim, and we will always be thankful for his guidance and support.
    Kaleena D F.
    Philadelphia, PA · via Tim Miller
    July 2026
    “
    Tony is extremely knowledgeable and explained every step as we went through the process. He responded very quickly to any questions or concerns we had!
    Mandy A.
    Malaga, NJ · via Anthony Scarpa
    June 2023
    “
    Tim has worked with me several times over the years. It's always a great experience. Thanks Tim!
    Justin W.
    Pennsville, NJ · via Tim Miller
    July 2026
    “
    Anthony was always a call away and willing to help.
    Johanna M.
    Vineland, NJ · via Anthony Scarpa
    May 2023
    “
    Tim looks out for what's best you. the only one I'll evet use!
    Noelle P.
    Sewell, NJ · via Tim Miller
    June 2026
    “
    Very easy to get in contact with and quick to respond to any questions.
    Kirsten A Z.
    Millville, NJ · via Anthony Scarpa
    April 2023
    “
    Tim- always has a way of finding creative solutions to porblems and helping clients feel secure throughout this process
    Kristy Lynn E.
    Philadelphia, PA · via Tim Miller
    June 2026
    “
    Great communication and always kept me updated.
    Bethanne V.
    Lindenwold, NJ · via Anthony Scarpa
    February 2023
    “
    Wow! We are extremely satisfied with American Fnancial meeting all of our needs as our lender. Their strong expertise and knowledge of the business made us comfortable to do business with them for the second time. We couldn't have reached our goals without them. Top notch from beginning to end!
    John P B.
    Wildwood Crest, NJ · via Tim Miller
    April 2026
    “
    I had just lost my son right before this process and they were so caring, understanding and made this process much easier.
    Barbarita G.
    Millville, NJ · via Anthony Scarpa
    November 2022
    “
    Working with Tim and Tim Jr. was an outstanding experience! He stayed in constant touch, keeping me informed about market trends and helping me lock in an excellent low rate. His transparency made the entire process stress-free and smooth.
    Sabrina Marie O.
    Salem, NJ · via Tim Miller
    April 2026
    Real Estate Partners

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    Our Branch

    T-Ville

    American Financial Network · NMLS #237341

    Address
    4551 Black Horse Pike, Suite 10
    Turnersville, NJ 08012
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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