Business Details
Your Trusted Mortgage Partner in Novi, MI
AFI Financial Inc is a trusted mortgage service provider dedicated to delivering personalized solutions tailored to each client's unique financial goals. With a commitment to integrity, we offer fast customized quotes, competitive rates, and comprehensive guidance through every step of the mortgage process. Our team specializes in simplifying home purchase and refinance transactions, leveraging expertise in loan programs such as FHA, VA, conforming, and jumbo loans.We prioritize client education, ensuring borrowers understand their options while maintaining transparent communication throughout the transaction. Our streamlined process begins with pre-approval assistance and extends through closing, supported by tools designed to help clients compare rates and terms efficiently. Licensed in Colorado, Florida, Michigan, Texas, and Virginia, we serve clients with a focus on reliability and customer-centric service.
Services
Home Purchase Loans
Refinance Loans
FHA Loans
VA Loans
Mortgage Pre-Approval
Highlights and features
- We offer personalized mortgage solutions tailored to individual financial goals
- Our team provides fast customized quotes and competitive interest rates
- Licensed professionals operating in five states with local market expertise
- Transparent communication throughout the entire mortgage process
- Streamlined digital tools for comparing loan terms and rates
Associations and certifications
- NMLS #2431
What people say
Easy to work with
Amazing job
Good rate
Quick action
Never miss closing timeline
Services
Home Purchase Loans
We provide customized home purchase financing solutions with competitive rates and flexible terms. Our loan specialists guide clients through program options including conventional, FHA, and VA loans. The process begins with pre-approval assistance to establish buying power before property search.
Refinance Loans
Our refinance programs help homeowners reduce monthly payments, shorten loan terms, or access equity. We offer rate-and-term and cash-out refinancing options for conventional and government-backed loans. The process includes a detailed analysis of current mortgage terms versus available programs.
FHA Loans
Specialized FHA loan programs provide low down payment options for first-time buyers. We assist with FHA 203(b) purchase loans and streamline refinance programs. Our team handles the specific documentation requirements and credit qualification standards unique to FHA lending.
VA Loans
We offer VA-guaranteed loans with competitive rates and no down payment requirements for eligible veterans and service members. Our specialists handle VA appraisal processes, entitlement verification, and streamline refinance options to maximize benefits for qualified borrowers.
Mortgage Pre-Approval
Our pre-approval process establishes clear borrowing parameters through thorough financial assessment. This includes credit evaluation, debt-to-income ratio analysis, and documentation review to provide conditional approval letters that strengthen purchase offers.
People
John DeFrancisco
Mortgage Specialist
John DeFrancisco specializes in mortgage lending with extensive experience in purchase and refinance transactions. He provides personalized guidance through loan selection and closing processes, maintaining availability seven days a week to accommodate client timelines.
David
Loan Officer
David specializes in time-sensitive mortgage closings, demonstrating expertise in resolving complex transaction challenges. He focuses on rapid response times and customized solutions for clients facing tight deadlines or unique property scenarios.
Questions
What mortgage loan programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, and conforming loans with terms from 5 to 30 years. Our specialists help clients choose between fixed-rate, adjustable-rate, and specialty programs.
How does the mortgage pre-approval process work?
Our pre-approval process requires income verification, credit assessment, and debt analysis. We provide conditional approval letters within 24-48 hours after document submission to establish clear purchase parameters.
Can you help with refinance options?
Yes, we offer rate-and-term refinancing to reduce payments or loan duration, and cash-out refinancing to access home equity. Our analysis compares current mortgage terms with available market options.
What areas do you serve?
We are licensed to provide mortgage services in Colorado, Florida, Michigan, Texas, and Virginia, serving both urban and rural markets within these states.
