WOODBRIDGE

    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 #2373418+ Years ExperienceLicensed Nationwide
    2,270+
    Loans Closed
    8+
    Years in Business
    4.8
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Brian Eller

    Divisional Manager

    Angela M Wilson

    Loan Officer

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    Deanna Ashton

    Loan Officer

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    Gary Miller

    Loan Officer

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    Jackie Cabrera

    Loan Officer

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    Josh Tullis

    Loan Officer

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    Sulma Guerrero

    Loan Officer

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    Tim Connolly

    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.
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    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.

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    Estimate monthly payments based on your actual scenario
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    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 547 families & counting

    ★★★★★4.8547 verified reviews
    "
    The open communication during the process, made me comfortable and at ease.
    Latavia Nashay W.
    Woodbridge, VA · via Angela M Wilson
    January 2025
    "
    Communication and keeping me informed of how the process was going was very important to me and I never had an issue with either. Any questions I did have along the way were answered quickly and clearly.
    James J.
    Norfolk, VA · via Deanna Awwad Ashton
    June 2026
    "
    It was a seamless experience and it was completed accurately and timely.
    Erica B.
    Henrico, VA · via Gary Miller
    September 2026
    “
    Jacqueline made this experience so smooth. It is my first house and the thought of going through this with zero to no knowledge was very daunting. Jacqueline made sure my Fiancé and I knew everything we were signing and got us a deal that was better than we could have even wished for. I will definitely recommend her to everyone I know. Her communication is top notch. If you're scared about buying a home, Jacqueline will be right by your side to walk you through the entire process
    Taliah L C.
    Snellville, GA · via Jackie Cabrera
    September 2025
    “
    Josh went over and above to help make this process as easy and painless as refinancing can be. He explained each step and kept me informed the whole time. Can't ask for a better experience.
    Edward Martin
    via Josh Tullis
    September 2025
    “
    Thank you Sulma for making this loan possible in a positive and timely manner.
    Alcides A.
    Manassas, VA · via Sulma Guerrero
    August 2026
    “
    Clear communication that leaves you with a solid understanding of current progress and the following events to come so you understand the process as it evolves.
    Chase Walter C.
    Pensacola, FL · via Tim Connolly
    June 2026
    “
    Angela Wilson was a breath of fresh air when it came to the business side of things. She always had the answer and if she didn’t, she would find out immediately but that was not the case at all. I highly recommend Angela and her entire team to anyone looking to buy. She has her clients best interest at heart. Job Well done Angela.
    Robert Morris G.
    Woodbridge, VA · via Angela M Wilson
    July 2023
    “
    Support, advice and overall great communication. I would be very pleased to recommend to a friend or family member.
    George Michael B.
    Gloucester, VA · via Deanna Awwad Ashton
    November 2025
    “
    I had a Great experience working with Mr. Miller (Sales Manager), because he is very Professional and knowledgeable of the Loan Process and Financing. He was very responsive to my questions about Mortgage Rates, VA Loan Requirements, Credit Rating, HOA's, but most of all was his advise on helping me from over extending my Loan Request. Thank You Gary Miller. KareeM Rahman
    Kareem A R.
    Henrico, VA · via Gary Miller
    August 2026
    “
    Jacky is the best she is very attentive she is alaways there to asnwer any question. She goes beyond anyone could do to help someone
    Marvin O P.
    Conyers, GA · via Jackie Cabrera
    December 2024
    “
    Josh went over and above to help make this process as easy and painless as refinancing can be. He explained each step and kept me informed the whole time. Can't ask for a better experience.
    Edward Bailey M.
    Alexandria, VA · via Josh Tullis
    September 2025
    “
    Sulma's mortgage knowledge and experience made this purchase posible!
    Francisco A.
    Midland, VA · via Sulma Guerrero
    February 2026
    “
    Tim walked us through everything in detail, and made the process seamless. There were a lot of lenders to choose from, but we felt confident with Tim’s help throughout the process.
    Isabelle S.
    Fairfax, VA · via Tim Connolly
    September 2022
    “
    I received responses in a timely manner.
    Judy Leann B.
    Gloucester, VA · via Deanna Awwad Ashton
    November 2025
    “
    My experience was a great one in that you all tirelessly and patiently walked me through the home- bu g ing process step by step and one thing at a time, which all started with Nabeel, who was and still is very instrumental in my home buying process, he showed me ways I could go from renting to mortgage payment/home buying, his persistence, not taking no for an answer and his willingness, and tireless effort, have got me where I am today, in a home and not homeless, Faizon, in collaboration with Nabeel, happily came by the hotel to pick me and my daughter up to see listings of homes, until God chose what he wanted for us, Faizon drove safely and tirelessly making sure he showed a home we would like, at the same time keeping us entertained with beautiful music,, and brief conversations every now and then, It all would not have come together without the financial support of Gary, whose company trusted me to lend such an amount, even putting out his own money when I could not get my bank statement together at times, communicating what needed to be communicated, Rebecca and the rest of the team, all worked cohesively , to get this deal successfully through, even when I hot frustrated at times and wanted to change my mind about buying a home, I received an email/text/missed phone calls about what needed to be done and that open offer to me, to ask question(s) about anything I did not understand, and Mr. Gilbert, he let me and my daughter into the office when we're trying to find our way, he did it with a smile, no wonder he wanted me to smile, but I could not, I was hurting at heart and still is over my daughter, he was polite and professional, carefully led me through the signing of every document that was to be signed, unfortunately, my daughter could not sign any of the documents, she did not have a State ID with her, which would have changed the course of the home buying process, but again, Nabeel rushed to the rescue, he fid what he did, and the signing process went on as planned, I and my children: Johnetta and Jermaine, say a very big thank you to the team, words cannot fully express the gratitude we feel at heart, so, we say: thank you, we appreciate you!
    Rachel T.
    Woodbridge, VA · via Gary Miller
    August 2026
    “
    excellent professionalism and might I say great communication I would highly recommend Jacqueline Cabrera to anybody who needs a great loan officer and a good friend throughout their whole process.
    Andres J R.
    Snellville, GA · via Jackie Cabrera
    August 2024
    “
    As always, I am completey impressed with Josh's professionalism. I have purchased several homes and have used Josh with each purchase. I am always pleased with the process of buying a home with him. He answers all my questions and very courteous. If you are looking to purchase, please use Josh. You will not be disappointed. Thank you again Josh!!! :)
    Stephanie S.
    Reedville, VA · via Josh Tullis
    September 2025
    “
    She's very nice Lady work hard for me and keep me updated with the loan and I will recommend her with my friend I'm very satisfied with her Happy new year
    Victor Alonso G.
    Orange, VA · via Sulma Guerrero
    January 2026
    “
    Tim was extremely knowledgable and professional. He did a great job at communicating throughout the whole process and letting us know what was happening.
    Alexander Jason F.
    Pasadena, MD · via Tim Connolly
    June 2022
    “
    Deanna's communication is top notch! She made the process seemless!
    Jared F.
    Norfolk, VA · via Deanna Awwad Ashton
    November 2025
    “
    As a first-time buyer, I had no idea how the mortgage process works. A friend of mine recommended Gary with AFN. Gary scheduled a call with me and listened to what I needed then guided me through what type of mortgage would be best for my needs. He explained each document I would need to submit and emailed me an easy-to-follow list. I received my pre-approval the same day. Gary updated me regularly leading up to closing. I appreciated that he would text me when he was sending documents for me to review and e-sign. His team worked hard to keep everything moving quickly.
    Cynthia Marie Wright S.
    Virginia Beach, VA · via Gary Miller
    May 2026
    “
    Jackie made my dream of buying a home coming into fruition . She made sure I anyways understood everything that was going on always keeping me in the loop. Buying a house is a big step in life and definitely not an easy one. Having knowledgeable people on your team makes all the difference. Thank you so much for everything Jackie. I couldn’t have don’t this without you!
    Kiana C.
    Snellville, GA · via Jackie Cabrera
    August 2024
    “
    Working with Josh was awesome! He made the process go very smoothly and answered any questions we had, when we had them! If an obstacle came up, he jumped through hoops to get us back on track! If you want a loan officer who goes above and beyond for you, he's your guy! Will be recommending Josh to all of our friends and family!
    Paul Joseph A.
    King George, VA · via Josh Tullis
    August 2025
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    Our Branch

    Woodbridge

    American Financial Network · NMLS #237341

    Address
    3302 Old Bridge Road, Suite A
    Woodbridge, VA 22192
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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