MATT MAINE

    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.

    Apply NowSchedule a Call
    NMLS #237341Licensed Nationwide
    108,427+
    Loans Closed Company-Wide
    24+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Matt Maine

    Branch Manager

    (555) 123-4567Visit their site

    Anthony Garcia

    Loan Officer

    (555) 234-5678

    Jarod Williams

    Loan Officer

    (555) 345-6789

    Maria Gonzalez

    Loan Officer

    (555) 456-7890

    David Chen

    Loan Officer

    (555) 567-8901

    Sarah Mitchell

    Senior Loan Officer

    (555) 678-9012

    James Robertson

    Loan Officer

    Lisa Nakamura

    Loan Processor

    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 families nationwide

    "
    They do everything they can to help you. The entire team was professional and made the process smooth.
    Anthony
    Los Angeles, CA
    "
    Very nice people. They answered all my questions and were patient throughout the entire process.
    Henrry
    San Diego, CA
    "
    Anthony, Jarod and their whole team walked me through this whole process, which at times was overwhelming, and kept me on track.
    Cindy
    Phoenix, AZ
    “
    The AI assistant Sophia made getting pre-approved so easy! I had answers to all my questions instantly, and the whole process was faster than I expected.
    Michael R.
    Austin, TX
    “
    As a first-time homebuyer, I was nervous about the process. Matt and his team made everything simple and stress-free. Highly recommend!
    Sarah L.
    Seattle, WA
    “
    Refinancing was a breeze with this team. The technology they use is impressive, and they saved me thousands on my monthly payment.
    David P.
    Denver, CO
    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.

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    Visit Us

    Our Branch

    AFN Lending – Irvine

    American Financial Network · NMLS #237341

    Address
    18000 Studebaker Rd, Suite 100
    Cerritos, CA 90703
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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