Business Details
7 Years
experience
Your Trusted Mortgage Partner for Homeownership
Founded in 2019, American Mortgage Network (AmNet) revolutionizes the mortgage industry by eliminating bureaucratic inefficiencies and leveraging proprietary technology to deliver swift, transparent lending solutions. As an employee-owned company, we prioritize customer-centric service, tailoring mortgage products to individual financial needs while fostering a culture of accountability and innovation. Our commitment to veterans is reflected in dedicated recruitment programs and a team of veteran loan officers who understand the unique needs of military families.With expertise in conventional, FHA, VA, USDA, and jumbo loans, we empower first-time buyers, refinancers, and investors to achieve homeownership goals. Our ESOP structure ensures every employee-owner shares in our success, driving a relentless focus on client satisfaction and long-term financial partnerships.
Services
Conventional Loans
VA Home Loans
FHA Home Loans
USDA Home Loans
Reverse Mortgages
Jumbo Loans
Cash-Out Refinance
First-Time Homebuyer Programs
Home Equity Lines of Credit
Refinance Options
Details
- Year established: 2019
Highlights and features
- We utilize proprietary mortgage technology for faster loan approvals and decision-making.
- Our employee-owned structure ensures dedicated service and shared commitment to client success.
- Specialized loan programs for veterans, first-time buyers, and unique financial situations.
- Transparent process with no hidden fees or bureaucratic delays.
- Veteran-led team offering tailored expertise in mortgage lending.
What people say
Exceptional experience
Unmatched professionalism
Amazing service
Highly recommend
Excellent process explanations
Services
Conventional Loans
Conventional home loans offer flexible terms and down payment options for various financial situations. These mortgages, not government-insured, provide competitive rates and can be used for primary, second homes, or investment properties. Ideal for borrowers seeking customizable mortgage solutions without government-backed restrictions.
VA Home Loans
VA Home Loans provide veterans and military families zero down payment options, no PMI requirements, and competitive rates. Backed by the U.S. Department of Veterans Affairs, these loans honor service members with accessible homeownership opportunities and specialized support throughout the lending process.
FHA Home Loans
FHA loans cater to first-time buyers with low down payments, flexible credit requirements, and competitive rates. Insured by the Federal Housing Administration, these mortgages reduce lender risk while enabling borrowers to finance homes with minimal upfront costs and improved approval odds.
USDA Home Loans
USDA Home Loans promote rural homeownership through zero down payment options, reduced mortgage insurance, and lower interest rates. Designed for eligible rural and suburban buyers, these government-backed loans provide affordable financing in designated areas with income restrictions.
Reverse Mortgages
Reverse mortgages allow seniors aged 62+ to convert home equity into tax-free cash without monthly payments. These loans provide financial flexibility through lump sums, monthly disbursements, or credit lines, ensuring retirees maintain homeownership while accessing critical funds for living expenses.
People
Joseph S. Restivo
President and Chief Executive Officer
With 24 years in mortgage banking, Joseph Restivo leads AmNet's employee-owned model, leveraging serial entrepreneurship experience to drive innovation. A former scuba rescue diver and world traveler, he prioritizes client-centric solutions.
David W. Wallace
Executive Vice President and Chief Financial Officer
David Wallace oversees financial operations with 20+ years in executive mortgage roles, including CFO positions at National Residential Mortgage and Impac Mortgage Holdings. An MBA holder, he coaches youth sports and manages community engagement initiatives.
RJ Leal
SVP and Co-Founder
RJ Leal co-founded AmNet, directing real estate strategies with deep industry expertise. His leadership focuses on expanding mortgage access while maintaining operational excellence in loan origination and client service.
Paula Whitsell
VP of Human Resources and Co-Founder
Paula Whitsell builds AmNet's veteran-focused workforce as VP of HR, ensuring talent development aligns with company values. Her co-founding role emphasizes employee ownership and inclusive workplace culture.
Nate Doman
National Closing Manager
Nate Doman leads closing operations with precision, ensuring seamless transactions across AmNet's loan portfolio. His expertise in compliance and process efficiency supports the company's rapid, reliable service standards.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with 3.5% down, conventional loans with flexible terms, and specialized first-time buyer programs with down payment assistance.
Can veterans receive exclusive mortgage benefits?
Yes. VA loans provide zero down payments, no PMI, and competitive rates specifically for veterans, active-duty members, and eligible spouses.
How does the reverse mortgage process work?
Reverse mortgages convert home equity into cash with no monthly payments. Funds can be received as lump sums, monthly payments, or credit lines for seniors aged 62+.
What are the benefits of an employee-owned mortgage company?
Employee ownership aligns client and company success, driving personalized service, accountability, and innovative solutions tailored to borrower needs.
Are USDA loans available for rural homebuyers?
Yes. USDA loans offer zero down payments and low rates for eligible rural/suburban properties, with income restrictions applying.
How long does mortgage approval take?
Using proprietary technology, we typically provide pre-approval within 24-48 hours and complete closing in 30-45 days, depending on loan complexity.
