UPLAND

    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 #23734112+ Years ExperienceLicensed Nationwide
    475+
    Loans Closed
    12+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Joe Morgan

    Branch Manager

    (909) 952-9549Visit their site

    Haley Elizabeth Marti

    Loan Officer

    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
    →
    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 122 families & counting

    ★★★★★4.9122 verified reviews
    "
    Haley was great with communication as where things were at with the progress for financing my new home, which I appreciated very much.
    Christopher Paul M.
    Wrightwood, CA · via Haley Elizabeth Marti
    August 2025
    "
    Joe is excellent at what he does. I am a repeat customer for this reason plus he is a very likable guy. I have yet to meet him in person but I know he is a straight up individual. I have referred him to friends and even the selling agent on my current home purchase was so impressed that I believe she will deal with Joe again. It is very enjoyable to work with Joe Morgan!
    Geoffrey James A.
    Fort Mohave, AZ · via Joseph David Morgan
    September 2026
    "
    Joe makes the client feel at ease informed so positive during the entire process!Always available if we called with questions never a delayed response taking care he resolved all of our needs.Recommend Joe to one and all!!
    Gary Ross A.
    Banning, CA · via Joseph David Morgan
    September 2026
    “
    As a first-time buyer, I couldn’t have asked for a better mortgage broker. Joe made the whole process feel straightforward and stress-free, explained everything clearly, and was always available to answer my questions. I really appreciated his patience, professionalism, and genuine effort to find the right mortgage for me. Buying my first home felt overwhelming at times, but having someone so knowledgeable and supportive made a huge difference. I’m extremely grateful for all his help and would recommend Joe and his team to anyone. Thank you for helping make my first home purchase such a positive experience!
    Dominique C T.
    Gilbert, AZ · via Joseph David Morgan
    August 2026
    “
    Joe was very professional and on top of it. When ever I felt like I wanted to give up he reassured me without even knowing.
    Anna O.
    Hesperia, CA · via Joseph David Morgan
    March 2026
    “
    Hes just pure amazing ! Answered all my questions and concerns.. never had any worries with working with Joe.
    Douglas Edward C.
    Wrightwood, CA · via Joseph David Morgan
    February 2026
    “
    The efficiency and Joseph's management with all the documents needed was very productive in getting the whole loan process on a timely manner.
    Elvia R.
    Upland, CA · via Joseph David Morgan
    October 2024
    “
    Joe is AWESOME! Through clear communication and exceptional customer service, he made our home buying experience feel like a breeze.
    Alexa L.
    Gilbert, AZ · via Joseph David Morgan
    October 2024
    “
    He took the time to explain concepts I was unfamiliar with and really made things make sense.
    Nancy S.
    Dayton, NV · via Joseph David Morgan
    July 2024
    “
    The customer service. Every question was explained in detail. Reassurance is offered during strenuous situations. Wonderful source of support and knowledge.
    Crystal D.
    San Bernardino, CA · via Joseph David Morgan
    May 2024
    “
    Joe was very pleasant to work with and it was a pleasure to meet him in person and not just over the phone!!
    Pedro O.
    Phelan, CA · via Joseph David Morgan
    November 2023
    “
    Joe answered all of our questions and kept us updated during the whole process. He was very professional and did an excellent job.
    Janet B.
    Claremont, CA · via Joseph David Morgan
    July 2023
    “
    Joe is very intelligent in his field! He got us the best rate in the current market and always made sure we were taken care of! Many thanks to Joe!
    McKennah C.
    Rancho Cucamonga, CA · via Joseph David Morgan
    June 2023
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    Our Branch

    Upland

    American Financial Network · NMLS #237341

    Address
    155 E. C Street, Suite B
    Upland, CA 91786
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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