Business Details
28 Years
experience
Your Trusted Mortgage Partner in Monroe, CT
AFC Mortgage Group has been a family-owned and operated mortgage lending institution since 1998, founded by Frank Ciambriello with a mission to make homeownership accessible. Headquartered in Monroe, Connecticut, and recently expanded to Philadelphia, Pennsylvania, we specialize in personalized mortgage solutions for first-time homebuyers, investors, and self-employed individuals. With nearly three decades of combined experience, our team prioritizes transparency, eliminating broker fees, and providing comprehensive support from pre-approval to closing. Licensed in 17 states, we offer a full range of loan programs, including conventional, FHA, VA, and investment property loans, tailored to meet diverse financial needs.Our commitment to empowering borrowers through credit-building strategies, down payment assistance, and specialized loan programs underscores our dedication to long-term financial stability for every client. By maintaining in-house processing and underwriting, we ensure efficiency, speed, and a seamless experience, supported by a responsive team that treats every loan with individualized attention. This approach has solidified our reputation as a trusted leader in the mortgage industry, focused on ethical practices and client-centric outcomes.
Services
Conventional Loans
FHA Loans
VA Loans
Refinance Loans
Investment Property Loans
Self-Employed Loans
Bridge Loans
Details
- Year established: 1998
Highlights and features
- We offer over 25 years of personalized mortgage solutions.
- Our team provides expert guidance for first-time homebuyers and investors.
- Licensed in 17 states, we serve a wide range of locations.
- Family-owned and operated since 1998.
- Comprehensive support from pre-approval to closing.
Services
Conventional Loans
Conventional loans offer fixed or variable rates for purchasing or refinancing homes. Ideal for borrowers with strong credit, these loans provide flexibility in loan terms and may avoid private mortgage insurance with sufficient down payments. AFC Mortgage Group tailors conventional loans to fit individual financial goals.
FHA Loans
FHA loans provide low down payments and flexible qualifying criteria for first-time buyers. Backed by the Federal Housing Administration, these loans help borrowers with limited funds or lower credit scores achieve homeownership through accessible financing options and rehabilitation programs.
VA Loans
VA loans offer zero down payment and no PMI for eligible veterans and service members. Guaranteed by the Department of Veterans Affairs, these loans provide competitive rates and support military families in securing affordable homeownership opportunities with dedicated guidance.
Refinance Loans
Refinance loans allow homeowners to consolidate debt, lower payments, or access equity. AFC Mortgage Group offers cash-out refinancing and home improvement loans, leveraging property equity to meet financial needs while optimizing long-term savings and investment strategies.
Investment Property Loans
Investment property loans cater to real estate investors seeking income-generating properties. AFC Mortgage Group provides DSCR loans, fix-and-flip financing, and private money options, focusing on asset-based approvals and flexible terms to support scalable real estate portfolios and wealth-building initiatives.
Questions
What mortgage loan programs does AFC Mortgage Group offer?
We offer conventional, FHA, VA, refinance, self-employed, investment property, and bridge loans, tailored to meet diverse financial situations and homeownership goals.
How does pre-approval benefit homebuyers?
Pre-approval clarifies your budget, strengthens offers, and expedites closing by verifying financial readiness to sellers and realtors.
Can self-employed individuals qualify for loans?
Yes. We specialize in bank statement loans and self-employed programs requiring tailored documentation for income verification.
Are there down payment assistance programs available?
Yes. We guide borrowers toward state and federal programs, including FHA and CHFA, to reduce upfront costs for eligible applicants.
What states does AFC Mortgage Group operate in?
We are licensed in 17 states, including Connecticut, New York, New Jersey, Pennsylvania, Florida, and Texas, with expanding coverage.
How long does the mortgage process take?
Typically 30–45 days, depending on documentation speed, property appraisal, and underwriting efficiency, with streamlined processing to minimize delays.
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