WEST BRANCH

    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 #2373411+ Years ExperienceLicensed Nationwide
    20+
    Loans Closed
    1+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Lourdes Carvajal

    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
    →
    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 46 families & counting

    ★★★★★4.946 verified reviews
    "
    Lourdes is amazing. I'm not sure she gets the support from the AFN team though. The underwriting process was painful, but I don't think that's her fault.
    Charmaine R.
    Laveen, AZ · via Lourdes Julieta Carvajal
    September 2026
    "
    Un exelente cervicio desde el principio asta el final
    Edwin T.
    Tonopah, AZ · via Lourdes Julieta Carvajal
    July 2026
    "
    Lourdes Carvajal goes above and beyond making sure things are explained to the most detail. Working with her makes me feel at ease because she is very professional.
    Manuel B C.
    Tonopah, AZ · via Lourdes Julieta Carvajal
    April 2026
    “
    This is the second time I have had the privilege of working with Lourdes. She is on top of preparing and executing the mortgage preparation. She keeps me apprised of what is needed next. And and continues. Shntinues to make sure that all is completed.
    John Clarence W.
    Sun City, AZ · via Lourdes Julieta Carvajal
    January 2026
    “
    Excelent work. Im pleasure make bussines with you. Thank you so much
    Alexandro C.
    Peoria, AZ · via Lourdes Julieta Carvajal
    October 2025
    “
    She was always contacting me for what ever she needed and explaining the process as we went also if I had questions I would call her and always answer me. Customer service was awesome.
    Francisco M.
    Casa Grande, AZ · via Lourdes Julieta Carvajal
    September 2025
    “
    first of all I wanna give a big thank you to Lourdes Carvajal for going above and beyond and making things happen she was very committed and very professional made this expierience smooth I will definitely recommend her to family and friends
    Amado G.
    Mesa, AZ · via Lourdes Julieta Carvajal
    July 2025
    “
    Lourdes was our obvious choice because we felt her passion and devotion for her job. Her interest was to help us get our loan and to make our dream come true with buying a house. She was professional and very communicative, and kept us updated throughout the whole process.
    Isabel C.
    Mesa, AZ · via Lourdes Julieta Carvajal
    July 2025
    “
    It was a pleasure working with Lourdes she was very professional very friendly she broke down every step of the process she was very on top of things
    Manuel B C.
    Tonopah, AZ · via Lourdes Julieta Carvajal
    June 2025
    “
    Her responsiveness and professionalism made this process smoothly, We would highly recommend working with her to our friend and family.
    Ismael R.
    Mesa, AZ · via Lourdes Julieta Carvajal
    April 2025
    “
    Recomiendo apliamebte a la señora Lourdes .es muy accesible te ayuda y resuelve cualquier problema e
    Maria I M.
    Mesa, AZ · via Lourdes Julieta Carvajal
    March 2025
    “
    Great communication and straight to the point on great information helping purchase
    Jose J.
    Soledad, CA · via Lourdes Julieta Carvajal
    July 2021
    “
    We are first time buyers and we’re blessed to be helped by Lourdes. She is a very intelligent women who works very hard to help her clients achieve their financial goals.
    Reyna F.
    Soledad, CA · via Lourdes Julieta Carvajal
    July 2021
    “
    Very professional and understanding of the costumer need.
    Jose A.
    Torrance, CA · via Lourdes Julieta Carvajal
    March 2021
    “
    Lourdes was very efficient and went above and beyond to please our mutual client. I would recommend her to our future clients.
    Alicia M.
    Riverside, CA · via Lourdes Julieta Carvajal
    February 2021
    “
    Really helped me with the process. Had great communication. Very helpful.
    Antonio R.
    Bakersfield, CA · via Lourdes Julieta Carvajal
    February 2021
    “
    Was very prompt and professional at all times. Very attentive on my concerns and questions.
    Ramon R.
    Riverside, CA · via Lourdes Julieta Carvajal
    February 2021
    “
    Everything had been on time with Lourdes and processing. She was on top it and very detailed with payment and funds which is excellant when purchase a home. I will always go with Lourdes and refer family and friends where ever she goes. She is a very knowledgable loan offiecer which is hard to find. Would not leave her. Thank you Lourdes
    Claudia J.
    Phoenix, AZ · via Lourdes Julieta Carvajal
    February 2021
    “
    Awesome service, Lourdes made the loan experience so smooth. Will definitely refer people to her
    Antonia T.
    Fresno, CA · via Lourdes Julieta Carvajal
    December 2020
    “
    Lourdes and Jose (real estate agent) made the home buying experience very smooth and easy. They were able to land me a beautiful home with a very low mortgage. The interest was very low and I felt that Lourdes did everything for us to get us a down payment and mortgage we were comfortable with.
    Daniel C.
    Fontana, CA · via Lourdes Julieta Carvajal
    November 2020
    “
    Great communication and also very friendly. Everything was fast and easy.
    Margarita C.
    Fontana, CA · via Lourdes Julieta Carvajal
    November 2020
    “
    We recommend Lourdes for anyone thinking about refinancing their home. She made the refinancing process go smoothly, Thank you Lourdes for doing such a wonderful job.
    Carlos O.
    HAWTHORNE, CA · via Lourdes Julieta Carvajal
    September 2020
    “
    It was a pleasure working with Lourdes. She was very attentive to our needs and we feel that she went beyond our expectations. She was helpful and addressed our concerns throughout our refinance process. Thank you Lourdes, blessings.
    Edna R.
    HAWTHORNE, CA · via Lourdes Julieta Carvajal
    September 2020
    “
    Lourdes and Jhonnatan did a great job. They simplified and walked me thought the process. They understood what I wanted to accomplish and they made it a reality. They exceeded my expectations! Thank you Lourdes and Jhonnatan!!
    Jesus A.
    Gilbert, AZ · via Lourdes Julieta Carvajal
    September 2020
    Real Estate Partners

    Are you a real estate agent?

    We provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet AI for instant updates. Let's build a partnership that elevates your business.

    Partner With Us
    Visit Us

    Our Branch

    West Branch

    American Financial Network · NMLS #237341

    Address
    1817 E Hatcher Dr.
    Phoenix, AZ 85020
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

    Ready to get started?

    I'm interested in:

    Our team typically responds within 24 hours. No bots, just expert advice.