MORTGAGE INSIDERS

    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 #2373413+ Years ExperienceLicensed Nationwide
    244+
    Loans Closed
    3+
    Years in Business
    5.0
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Brian Cushing

    Branch Manager

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    Javier Tavares-Nava

    Loan Officer

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    Jeffrey Francis Linscott

    Loan Officer

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    Shane Mcgraw

    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
    →
    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 190 families & counting

    ★★★★★4.9190 verified reviews
    "
    Quick, accurate and helpful service with good recommendations for insurance.
    Alexi B.
    Fernley, NV · via Brian Cushing
    September 2026
    "
    The communication was fast and clear. No matter the question or situation, Javier had an answer. Javier was extremely professional and I would recommend him to anybody 10 out of 10 times.
    Nicholas M.
    Sparks, NV · via Javier Tavares-Nava
    January 2026
    "
    Shane and his team are amazing to work with! I could tell right from the start I was working not only with a very trustworthy team, but one that has a wealth of knowledge about mortgages. Processing was simple, they set my expectations on timeline right from the start, and the transaction was easy. I highly recommend if you're in the market for a mortgage to look no further and contact this group.
    Jess T.
    via Shane Mcgraw
    August 2026
    “
    Brian is very knowledgeable and extremely helpfu!
    Jonathan Saul B.
    Reno, NV · via Brian Cushing
    September 2026
    “
    Javier was really helpful throughout our loan towards our new home, would recommend him to family and friends!
    Brenda G.
    Carson City, NV · via Javier Tavares-Nava
    November 2025
    “
    The communication, coordination, processing, and speed of the transaction was fantastic. Shane and his team are simply amazing at what they do and when I need another transaction in the future, you will be the first I call.
    Jesseca T.
    Port Orchard, WA · via Shane Mcgraw
    August 2026
    “
    everyone was extremely helpful making this entire process possible. You couldn't ask for a better team
    Jeannie R. G.
    Gardnerville, NV · via Brian Cushing
    August 2026
    “
    All the communication and transparency with Javier was amazing which made everything hassle free and with easy
    Ulises Juan E.
    Sun Valley, NV · via Javier Tavares-Nava
    August 2025
    “
    The responsiveness and availability of the team. being there to answer questions quickly and pivot with changes as they arise.
    Arthur Bates
    via Shane Mcgraw
    August 2026
    “
    thank you I really appreciate it all you did for us to complete this process for the purchase of the property we are really happy
    Carlos Franscisco G.
    Reno, NV · via Brian Cushing
    August 2026
    “
    everything was straightforward and my loan officer was the best on keeping me updated on my loan
    Andres O.
    Dayton, NV · via Javier Tavares-Nava
    May 2025
    “
    The responsiveness and availability of the team. being there to answer questions quickly and pivot with changes as they arise.
    Arthur B.
    Silverdale, WA · via Shane Mcgraw
    August 2026
    “
    Despite my forgetfulness and the bump in the road with my name on my Credit, he was still willing to work with me and went above and beyond to help me with getting my name updated on my credit. I thank you immensely.
    Jaime L L.
    Reno, NV · via Brian Cushing
    August 2026
    “
    Javier was super helpful always answering all our question. He was super transparent which we appreciated and walked us through the whole process.Thank you for all your hard work!
    Abril A.
    Reno, NV · via Javier Tavares-Nava
    March 2025
    “
    Great interactions and with Shane who had our best interest in mind all of the time. Made the process very easy on the family and was constantly working behind the scenes to bring us great value. So happy we found him
    Michael Joseph Y.
    Bainbridge Island, WA · via Shane Mcgraw
    June 2026
    “
    Excellent service from start to finish. Brian and his team were fast, professional, and incredibly helpful throughout the entire process. He made everything easy and stress free. Highly recommend.
    Krum O K.
    Reno, NV · via Brian Cushing
    August 2026
    “
    Very transparent and would reply quickly to text messages. Was also very honest and explained things in a way we as first time home buyers could understan.
    Jacqueline A.
    Reno, NV · via Javier Tavares-Nava
    March 2025
    “
    Shane went above and beyond for my husband and our family to work fast and efficiently in our loaN. He was very transparent and knowledgeable to make this process go quickly and smoothly. He would answer my calls and emails quickly and always made us feel safe and comfortable moving through this transaction. He was very professional, warm and friendly during the entire time which made us feel safe and at ease. I cannot recommend Shane and his team more! We are beyond happy with our home and this could not have been possible without Shane!!
    Courtney Lynne Y.
    Bainbridge Island, WA · via Shane Mcgraw
    May 2026
    “
    Brian & Susan were excellent to work with & guided us every step of the way. We would highly recommend them to our friends & family!
    Margaret S. B.
    Reno, NV · via Brian Cushing
    August 2026
    “
    Shane and his team are pure business. They helped me through purchasing as a first time homebuyer and made the process painless.
    Jacob L.
    Orting, WA · via Shane Mcgraw
    April 2026
    “
    How Brain helped me thru all the paper work
    Kerry William B.
    Reno, NV · via Brian Cushing
    August 2026
    “
    I have known Shane as a man of good character for a long time. I just recently worked with him and his team on a transaction and he was patient, understanding and helpful the whole way through. His team also worked hard to keep all the parts moving and maintained great communication. I would recommend them to anyone.
    Kyle Brose
    via Shane Mcgraw
    February 2026
    Real Estate Partners

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    Our Branch

    Mortgage Insiders

    American Financial Network · NMLS #237341

    Address
    460 E. Plumb Lane, Unit B
    Reno, NV 89502
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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