About AFI Financial Inc.
A mortgage company built on trust since 2003.
We’ve been helping families across Michigan, Florida, Virginia, Texas, and Colorado achieve the dream of homeownership for over two decades — not because we’re the biggest company, but because we treat every client like they’re our only one.
Who we are
We’re not a big bank where you’re just a loan number.
AFI Financial Inc. is a mortgage company built on relationships, trust, and a genuine commitment to getting you to the closing table with confidence. When you call us, you get a real person who knows your file, your goals, and your timeline. We’re proud that so much of that business comes from referrals. When families trust us enough to send their friends, coworkers and children to us, we know we’re doing something right.
Our commitments to you
We back our promises in writing.
Anyone can promise a great rate. We go further — with three guarantees that protect you from the moment you apply to the day you get your keys.
Closing date guarantee
When we give you a closing date, we mean it. We know how much is riding on that date — movers, leases, plans. We commit to your timeline and do everything in our power to make it happen. No surprises, no last-minute delays on our end.
Interest rate float down guarantee
Rates move. If rates drop after you lock, you shouldn’t be stuck paying more than you have to. Our float down guarantee gives you the security of a locked rate with the ability to take advantage of lower rates before closing. The best of both worlds.
Pre-approval guarantee
Our pre-approvals aren’t just a piece of paper — they mean something. When AFI issues a pre-approval, it’s backed by a thorough review of your financials so you can shop with real confidence. Sellers take you seriously. Deals move faster.
Our rate advantage
A lower rate means more home for the same payment.
Our rates are typically about 0.375% lower than what you’d find at a traditional bank — and that difference is more powerful than it sounds. A lower rate means a lower monthly payment, and a lower monthly payment means you qualify for a larger loan. Use the calculator below to see exactly how much more purchasing power you gain.
Adjust the loan amount to see your extra purchasing power — conventional loan limits apply
Estimates based on a 30-year fixed-rate mortgage. Bank rate assumed at 6.375%; AFI Financial rate at 5.990%. Rates as of June 11, 2026 and subject to change. Actual rates vary based on credit score, loan type, down payment, and market conditions at time of application. This comparison is for illustrative purposes only and does not constitute a loan commitment or rate lock.
Why AFI vs a big bank
The difference is clear — and it matters.
When you’re making the biggest financial decision of your life, who’s in your corner matters just as much as the rate. Here’s how we compare.
| What matters to you |
AFI Financial |
Big Bank |
|---|---|---|
|
Point of contact
Who answers when you have a question
|
✓
Your loan officer, start to finish — one person, one number, no runaround |
✗
Passed between departments — processing, underwriting, closing — each with a different rep |
|
Time to close
From application to keys in hand
|
✓
As fast as 21 days |
✗
Typically 30–40 days |
|
Pre-approval speed
How quickly you can make an offer
|
✓
Same day — shop with confidence immediately |
✗
2–3 days — you may lose the home while you wait |
|
Underwriting guidelines
How your loan is evaluated
|
✓
Fannie Mae, Freddie Mac & VA guidelines as written — no added overlays that could disqualify you |
✗
Banks often add their own overlays — stricter rules layered on top of agency guidelines |
|
Loan officer experience
The expertise guiding your loan
|
✓
Decades of experience — seasoned professionals who have navigated every type of market |
✗
High turnover means you’re often working with someone newer to the industry |
Over 20 years. Over 5,000 families. One goal.
We started AFI Financial Inc. because we believed homebuyers deserved better — better communication, better expertise, and a lender who actually shows up for them. That belief hasn’t changed.