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    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 #2373419+ Years ExperienceLicensed Nationwide
    247+
    Loans Closed
    9+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Tony Cato

    Branch Manager

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    Careasa Rena Greer

    Loan Officer

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    Garry Dakers

    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
    →
    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 27 families & counting

    ★★★★★4.927 verified reviews
    "
    Was clear in managing our expectations. Was thorough in explaining the tax structure and provided resources to educate us. The accuracy of our closing costs was phenomenal.
    Wesley Carlandrian G.
    Laurel, MD · via Tony Cato
    July 2025
    "
    Mr. Cato has been phenomenal through this process. Great communication and very persistent! Thank you to you and your team!
    Michel J A.
    Baltimore, MD · via Tony Cato
    September 2023
    "
    My climb up from very poor credit to where I am now was a long process. The length of time it took is the only reason I can't rate this as a 10. The end result was very pleasing when the money hit my account and setting up my boxes to start my new life of financial freedom and literacy.
    Brad Nixon P.
    Ft Washington, MD · via Tony Cato
    June 2022
    “
    Great care and concern and follow through
    Joel P.
    Uppr Marlboro, MD · via Tony Cato
    March 2022
    “
    Mr. Cato is a one-of-a-kind person. He is very knowledgeable in the industry and I am glad to have his above and beyond assistance during this time. Buying a house was a pleasurable experience with such expert advice he provided. I would recommend Mr. Cato's services.
    Engin T.
    Odenton, MD · via Tony Cato
    January 2022
    “
    Tony was awesome during me and my husband's home buying process. We ran into a few hiccups at the end but Tony assisted us in making sure that everything went smooth and seamlessly and assuring that we got the keys to our beautiful new home. He was down to earth, friendly but also professional. I would definitely recommend Tony to anyone searching for a lender. He's our guy! We will definitely use him in the future when looking to buy our forever home. Thanks again Tony!!
    Alicia C M.
    Great Mills, MD · via Tony Cato
    September 2021
    “
    Tony was was incredibly patient, persistent, and professional. He made our first time home ownership a positive experience!!
    Candace C.
    Middle River, MD · via Tony Cato
    July 2021
    “
    Me. Cato was very knowledgeable informative every step of the way. He was very patient and reassuring making sure everything was understood and all questions were answered. I will definitely refer friends and family to do business with him.
    Jermaine D.
    Accokeek, MD · via Tony Cato
    July 2021
    “
    Tony is great at working with people that need assistance and guidance through the process.
    Ryan C.
    Baltimore, MD · via Tony Cato
    April 2021
    “
    I found Mr. Cato to be very knowledgeable, accessible and a pleasure to work with. I would not hesitate to refer him to others.
    Diana M.
    Columbia, MD · via Tony Cato
    March 2021
    “
    Tony’s experience help to complete the process without problems. The support staff did a wonderful job. Thank you so much!!
    Alan F.
    Columbia, MD · via Tony Cato
    February 2021
    “
    Tony was amazing! This was my first time buying a home. Tony eased my apprehension and made me feel confident during the entire process.
    Jazmine P.
    Brandywine, MD · via Tony Cato
    February 2021
    “
    Although home buyer is already a stressful process, the communication could have been better. Overall it was a pleasure.
    Lanita L.
    Baltimore, MD · via Tony Cato
    January 2021
    “
    The encouragement and support received throughout the entire process.
    Lue E.
    Bowie, MD · via Tony Cato
    December 2020
    “
    Tony came through like a knight and shining armor! This has been a long journey but like they say, "anything worth having is worth waiting for". There were times that I wanted to give up and Tony encouraged me to keep pushing and trust the process. He kept me updated and informed and even checked in to make sure I still had a pulse at times...lol. He was a blessing in disguise. I hope anyone needing a loan officer would be as lucky to find someone as wonderful as Tony, he's AMAZING!!
    Stacey Y.
    Baltimore, MD · via Tony Cato
    December 2020
    “
    Josh was very friendly and patient. When conducting business I like to have access to the people I am working with and Josh was always responsive and accessible whenever I needed a question answered or needed clarity on anything. The since of urgency with closing this deal meant a lot and I appreciate Josh and everyone involved to make this happen. I felt appreciated and valued as a customer which speaks volume when others care as much as you do.
    Latricia T.
    Waldorf, MD · via Tony Cato
    December 2020
    “
    Anthony and his team were very great. They were HandsOn and responsive to any questions that I had.
    Chante C.
    Temple Hills, MD · via Tony Cato
    December 2020
    “
    With Tony, we felt he had our best interests at heart through the whole process.
    Irvin J.
    Clarksburg, MD · via Tony Cato
    November 2020
    “
    Anthony was absolutely FANTASTIC!!! To say we had some hurdles, is an understatement, and Anthony helped us to overcome every challenge. My family and I are forever grateful, and would recommend Mr. Cato 10 times over!!
    Kaydene J.
    Clarksburg, MD · via Tony Cato
    November 2020
    “
    Very professional team. Always quick to respond to any questions. Sachin
    Sachin K.
    Laurel, MD · via Tony Cato
    September 2020
    “
    Tony was thorough in seeking financing for my client. He was always available when I had questions. He was prompt in returning phone calls. Very favorable personality,
    Linda S.
    California, MD · via Tony Cato
    June 2020
    “
    Great customer service, professionalism, and willingness to explain and assist during the process. The best experience I’ve ever had in a real estate financial transaction! Would definitely refer Tony and the team to others.
    Louise F.
    Upper Marlboro, MD · via Tony Cato
    May 2020
    “
    Tony Cato Is the most professional and knowledgeable person that I know. this is my third deal with him as a financial broker and every transaction has been nothing short of amazing.
    Denise W.
    Falls Church, VA · via Tony Cato
    March 2020
    “
    Tony is awesome! Very knowledgeable and keeps you informed every step of the way. Can’t wait to buy my next home from him. Thanks Tony I have a few people coming your way.
    Shavonne R.
    Manassas, VA · via Tony Cato
    January 2020
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    American Financial Network · NMLS #237341

    Address
    5331 Primrose Lake Circle, Suite 224
    Tampa, FL 33647
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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