Business Details
28 Years
experience
Your Trusted Mortgage Partner for Homeownership Solutions
AFC Mortgage Group has been a family-owned and operated mortgage lender for over 25 years, dedicated to providing personalized solutions for first-time homebuyers, investors, and self-employed individuals. Our team of expert loan professionals guides clients through every step of the mortgage process, from pre-approval to closing, with a focus on convenience, speed, and full-service support. We utilize streamlined in-house processing and underwriting to minimize delays while offering a comprehensive range of loan products tailored to diverse financial situations.With headquarters in Monroe, Connecticut, and licensed operations in 17 states, we combine decades of industry experience with a commitment to empowering borrowers through homeownership and financial stability. Our approach emphasizes transparency, personalized service, and innovative strategies to help clients achieve their unique financial goals.
Services
Conventional Loans
FHA Loans
VA Loans
Refinancing
Self-Employed Loans
First-Time Homebuyer Programs
Investor Loans
Bank Statement Loans
Cash-Out Refinance
Conventional Rehab Loans
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of experience in personalized mortgage solutions.
- Our team provides expert guidance through the entire loan process.
- We offer a full range of loan products for diverse financial situations.
- Streamlined in-house processing minimizes delays and accelerates approvals.
- Our small, responsive support teams ensure personalized attention for every borrower.
What people say
Personalized approach
Expert guidance
Streamlined processing
Responsive support teams
Financial empowerment focus
Services
Conventional Loans
Conventional loans provide flexible mortgage options for purchasing or refinancing homes, ideal for borrowers with strong credit histories. These loans, backed by Fannie Mae or Freddie Mac, offer competitive terms without government insurance. Our experts help clients navigate underwriting differences between these entities to secure optimal rates and terms.
FHA Loans
FHA loans offer accessible homeownership opportunities with lower down payments and flexible credit requirements. Backed by the Federal Housing Administration, these loans suit first-time buyers and those with limited funds. We specialize in FHA 203K rehab loans combining purchase and renovation costs into one mortgage.
VA Loans
VA loans provide exclusive benefits for eligible veterans and service members, including zero down payment requirements and no private mortgage insurance. Our team assists with Certificate of Eligibility processing and guides clients through VA-specific appraisal requirements to ensure smooth transactions for military families.
Refinancing
Refinancing options help homeowners access equity, reduce monthly payments, or consolidate debt through cash-out refinances and conventional rehab loans. We analyze current market conditions and equity positions to determine optimal refinancing strategies that align with clients' financial goals.
Self-Employed Loans
Specialized loan programs cater to self-employed borrowers using bank statements and business documentation for income verification. Our experts help entrepreneurs and small business owners navigate unique underwriting requirements to secure financing that reflects their true financial capacity.
People
Frank Ciambriello
Managing Partner
Founder of AFC Mortgage Group with nearly three decades of mortgage lending experience. Developed the company from a local operation to a 17-state licensed lender, focusing on accessible home loans and ethical practices that prioritize borrower needs.
Gaetano Ciambriello
Loan Originator
Licensed in multiple states with specialized expertise in first-time homebuyer programs. Brings innovative approaches to mortgage solutions while maintaining personalized client relationships through digital engagement opportunities.
Vito Ciambriello
Loan Originator
Licensed in five states with focus on expanding market reach to new audiences. Combines industry knowledge with technological advancements to enhance the home buying experience for modern borrowers.
Lisa Sidella
Loan Originator
Connecticut and Florida licensed professional with extensive experience guiding clients through complex mortgage transactions. Specializes in making homeownership accessible through specialized loan programs and personalized financial strategies.
Emily Michaud
Loan Originator
Connecticut-based expert with deep understanding of local market conditions. Focuses on providing tailored mortgage solutions that align with regional housing needs and borrower financial profiles.
Questions
What makes AFC Mortgage Group different from other lenders?
We combine 25+ years of experience with personalized service, offering tailored loan strategies and a streamlined process that prioritizes borrower needs through every stage of homeownership.
What loan programs do you specialize in?
We offer conventional, FHA, VA, refinancing, self-employed, and investor loan programs, along with specialized assistance options for first-time buyers and those with unique financial situations.
How does pre-approval benefit homebuyers?
Pre-approval clarifies your budget, strengthens offers to sellers, and accelerates final approval by verifying financial readiness before house hunting begins.
Can self-employed individuals qualify for mortgages?
Yes, we offer bank statement loans and specialized documentation processes that accurately reflect income for self-employed borrowers seeking homeownership.
What are typical closing costs?
Closing costs generally range from 2-6% of the loan amount, depending on program type, down payment, and property specifics. Your advisor will provide detailed estimates during the process.
How long does the mortgage process take?
Average loan closures occur within 30-45 days, with our dedicated support teams ensuring efficient communication and documentation handling to minimize delays.
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