UNDER PAR LENDING

    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
    5
    Loans Closed
    4.8
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Matt Voss

    Producing 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.

    →
    Estimate monthly payments based on your actual scenario
    →
    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 12 families & counting

    ★★★★★4.812 verified reviews
    "
    Matt is the most freindly, profesional, and personable loan underwritter Ive ever dealt with.
    Shawn J S.
    Madison, AL · via Matthew Voss
    May 2026
    "
    Great overall experience, great tea m team to work with, highly recommen.
    Natalie J D.
    Madison, AL · via Matthew Voss
    May 2026
    "
    One of the most genuine people I have met who always keeps your best interest before his own. Very knowledgeable in what he does and overall just a great guy to work with.
    Tariq A.
    via Matthew Voss
    March 2022
    “
    You have a greatly associated me to make it happen and for me to achieve my dream, It was also so memorable in my life since the deal was closed on my birthday. Thank you so much and God bless you and your family…??????
    Jocelyn W.
    Skokie, IL · via Matthew Voss
    March 2022
    “
    Matt and his team are exceptional. Everything was smooth and fast. Their decades of experience and profound knowledge help us get through hurdles swiftly. Overall excellent service and support. We highly recommend Matt and his team.
    Marinella F.
    Glenview, IL · via Matthew Voss
    January 2022
    “
    Great working with Matt and his team during our mortgage loan application.
    Radette Romero A.
    Skokie, IL · via Matthew Voss
    December 2021
    “
    Straight to the point And knows the business
    John L.
    Burbank, IL · via Matthew Voss
    November 2021
    “
    Matt was VERY helpful in waking me through a long and stressful time.
    Katherine L.
    Lisle, IL · via Matthew Voss
    November 2021
    “
    Very easy to talk to and gives you reasons and explanations
    Tricia V.
    Bartlett, IL · via Matthew Voss
    November 2021
    “
    Our financial advisor, Matt Voss was fantastic! He guided us through from the start to the end. Anytime is his time if we have any questions. he was very knowledgeable and well adapt with their financial industry. He gave us options backed up by up-to-date information and guided us with our decisions. Overall, his entire crew was excellent they were there to assist in a timely manner. We had a very smooth process . We will definitely recommend AFNCorp. to our friends and family!
    Maria S.
    Aurora, IL · via Matthew Voss
    October 2021
    “
    At our age you made it possible for us to move close to our son. He has done a wonderful job helping to relocate us. We thank you very much.
    Edna Marie P.
    Huntsville, AL · via Matthew Voss
    October 2021
    “
    My lack of knowledge of the whole process, was taken into consideration, & everything was smooth sailing. I was very impressed with the promptness of the teams response.
    Mary Beth N.
    Glen Ellyn, IL · via Matthew Voss
    October 2021
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    Our Branch

    Under Par Lending

    American Financial Network · NMLS #237341

    Address
    500 Craig Road Suite #202
    Manalapan, NJ 07726
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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