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Branch Info
Our Team
Nick Gallicchio
Divisional Branch Manager · NMLS# 187724
Nick
Gallicchio
Divisional Branch Manager · NMLS# 187724
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Aida Lopez
Loan Officer · NMLS# 1465750
Aida
Lopez
Loan Officer · NMLS# 1465750
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Dave Hecht
Loan Officer · NMLS# 368555
Dave
Hecht
Loan Officer · NMLS# 368555
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Ian Smith
Loan Officer/Transition Desk Specialist · NMLS# 1567746
Ian
Smith
Loan Officer/Transition Desk Specialist · NMLS# 1567746
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Sebastian Rametta Jr.
Loan Officer · NMLS# 2161313
Sebastian
Rametta Jr.
Loan Officer · NMLS# 2161313
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Vincent Castoro
Loan Officer Assistant
Vincent
Castoro
Loan Officer Assistant
Our Location
As a licensed Loan Originator who is familiar with a variety of loan types and specialized programs, I am ready, willing, and able to help you find the mortgage product that may be right for you. Whether you are looking to purchase a personal residence, 2nd home, or investment property, or if you need to refinance an existing mortgage, I can help you find the product that suits your needs and circumstance. We offer Conventional, FHA, VA, USDA, Jumbo, and Specialty products, and I am prepared to help you find a loan that is right for you.
Prepare to walk an illuminated path on your journey with me as you are never left in the dark. I will regularly communicate status updates to you as your loan reaches certain milestones in the process. You have an entire team dedicated to carrying your loan from application, through processing and underwriting and over the finish line where your loan is finalized (closed) and funded.
If you ever have a concern or question, my team and I are a quick phone call or email away, and we always look forward to opportunities to communicate with you.
David’s passion is seeing that clients close on their dream home! Whether a client is looking to purchase a home or refinance an existing loan, David guides all clients in the right direction to fulfill their goals. In addition to home loans and refinancing, David also is experienced in investment property and development and Reverse Mortgage loans.
On many occasions, David will receive a call off hours to guide a client to their dream home. Even outside of standard business hours, David is available to provide pre-approvals, guidance and his expertise to ensure a smooth process.
Working with American Financial Network (AFN) David will match client needs to the right product that includes Fannie Mae, Freddie Mac, VA, Zero down, FHA low down or No down payment loans, renovation loans, USDA Zero down, HomeStyle low down payment loans and for many business people we have alternative documentation options.
If a client has credit and/or income issues, David will outline the steps required to home ownership.
David has a strong relationship with realtors in multiple states.
When David is not working he enjoys hiking, biking, fishing and boating. David also invests in real estate.
David resides in the Denver, Colorado Metro Area
Hello my name is David Hecht my early experience as a Sr. systems engineer for IBM and ATT enabled me translate my analytical skills to helping home buyers and owners with their specific individual needs for their maximum financial benefit as a mortgage lender for the past 28+ years. I’m also a real-estate investor which helps me relate to real-life lending challenges for my clients. Here at (AFN) we’re able to match borrower’s unique needs and situations with loan products starting at zero money down! (AFN) offers purchase and refinance conventional & Jumbo FANNIE MAE and FREDDIE MAC Loans along with VA Zero down & FHA low down payment purchase and renovation loans as well as USDA Zero down, and HOMEPATH Low down payment loans, please ask me about our alternative documentation and Down Payment Assistance Grant loan, products as well.
I Welcome borrowers to contact me whether they’re just starting out and looking for some guidance about the home buying process, or the self-employed person who needs help navigating the loan process because of their unique business situation. If you’re a person who knows what they want I’m also here to help with some the best service and pricing in the industry.
What’s most important is I’m here for you whether it be after work or on the weekend. The worst thing that happens to a motived buyer is to find that great deal on a Saturday afternoon and not know if they can make that important offer before someone else can grab the deal. In today’s market that’s really a big deal not having to wait for Monday and maybe reaching a person who can help you make that critical call if you can afford the house or not! With me and AFN you have the best chance for success in getting that home you really want.
Don’t hesitate to call if you have credit or income issues I will work with you and guide you on a path to owning your own home.
Please Call Now,
Best Regards,
Mr. David Hecht
Sr. Mortgage Banker
T: 908-281-2400 | F: 908-281-2404
NMLS #368555
Ian Smith was born and raised in Delaware, spending most of his life across the Northeast region between NJ, PA, DC, MD, VA, WV & NC. A proud husband, father, and rescue dog owner, Ian has been a part of the mortgage industry for nearing a decade. In his short but fulfilling career, he has been a Loan Officer, Sales Manager, Branch Manager, and has most recently served for years in upper management as a Divisonal Account Manager for our company's entire N.E. Division. He is known by most on social media as "Ian The Mortgage Guy", dedicated to helping all types of people from First Time Home Buyers, Experienced Homeowners, Real Estate Investors, and everyone in between.
His knowledge, experience, customer service and overall voracious work ethic has helped him become a strong advocate for his clients while assisting them with their mortgage process, in making their experience as smooth and as painless as possible. You can expect to close in under 30 days on average, a record he has maintained consistently over his many years with American Financial Network.
Rest assured that Ian Smith will never look at you as a file to close or a loan number, but as a person that has trusted him with one of the most important financial decisions we can make in our lives. By the time the paperwork is signed and the job is done, he hopes to be able call you his friend!
Honesty, Integrity, Education, Service, and Fun.
These words signify some of the core values I bring into my practice as a mortgage advisor. I am born and raised in New York City, and I have spent much of my life finding new ways to help people. I entered this role after a realization that the average person does not know enough about personal finance and the overall financial markets, all the things I believe should be taught to us in school. It is my mission to continue to learn as much as I can and spread this knowledge as far and wide as possible while helping put people into new homes and into the best financial position possible.
In our society, it is significantly easier for people to feel at peace when they know they are in a comfortable financial situation. I take pride in using my knowledge and skills to serve others with the ultimate goal of bringing them peace of mind.