Purchasing your home is a huge decision! And finding the right mortgage loan doesn't have to be a hassle. Let AFS help you find the right loan with the best lender for your situation.
Even if you're never applied for a home loan, or you're an experianced buyer; you'll want AFS to help you with the process.
Lenders will use your credit score as a basis to quote you. Be prepared by knowing where you stand.
Your income, what your down payment will be and any debt that you currently carry should be calculated against your home's purchase price. Knowing what your payment budget is before-hand will give you peace of mind in the future.
Consolidating debt, making improvements on your home, or having funding for the unforseen are all great reasons to consider Home Equity Loans when shopping.
The home purchase process is time consuming, exhausting yet extremely rewarding and worth the process.Luis was our loan officer and he was extremely knowledgeable and helpful through. Finally making the necessary sacrifices to be able to purchase a home will have a lasting positive effect on the lives of my family. If I did’nt have Luis there every step of the way I am not sure if I would have followed threw. Thank you Luis and Affordable Financial Services LTD!
Brian was extremely helpful and explained the mortgage process thoroughly as we were going through it. We were on a time crunch and Brian worked hard to get our mortgage through in a timely manner.
We had a great experience working with Brian and his team. They were always available for any questions we had and guided us in the right direction. Brian projects a caring attitude toward his clients and we always felt like we were the most important. We would highly recommend Brian to anyone seeking to purchase a home.
“Brian Leibowitz is a MACHINE. He has handled my financing for both of the homes that I own, and a refinancing on the first home I purchased.For my first home, he was able to transfer me out of a loan that had pmi locked into it, and obtain the market low rate (3.85%), which was almost a 2% interest rate drop. Although this sounds like something any mortgage financing company could do, it was most certainly not.
Said loan was with Bank of America, who purchased the loan from Countrywide, and was initiated just prior to the 2008 subprime mortgage crash. Under threat of losing my business, Bank of America was unable to refinance my loan in 2011, and have the pmi removed, even though my property was one of the few that had appreciated post market crash.
Hence, Bank of America lost my business, and my business relationship and trust strengthened with Brian. He came through on what Bank of America could not. He made it happen!
For the second home I purchased, in August of 2016, Brian identified a lien that posted to my credit, after my initial credit report run. The lien was an error that occurred because of a condominium board settlement agreement that had been filed incorrectly. This negatively impacted my credit due to my position as the treasurer for the condominium board. The negative impact brought my credit score from 811 to 708.
As you can imagine, I was enraged and panicked. Said negative impact brought my interest rate, on a jumbo loan with 20% down, from 3.75% to 4.75%, which was a full commission point (a lot of $), one month before my closing.
Brian immediately took action with said issue, utilizing the credit repair team that he keeps on monthly retainer, and walking me through the steps I needed to take to have the lien removed. This included being on speaker phone with me, while I was in the chambers of the judge who initiated the lien, detailing the information that was needed to repair my credit with the three major credit bureaus. The end result was the repair of my credit to 809, just before my closing at 3.75%.
I can not imagine another human being working harder than Brian Leibowitz did for me, on multiple occasions. I am a professional Orthopedic Medical Sales Consultant, and strong customer service is critical to my business success. So, I know how to recognize someone who is willing to go above and beyond the call of duty, as Brian did.
Anyone can work hard on one given day, it takes a professional to work hard every day, which is how Brian Leibowitz operates. That is why I strongly recommend that you use him for your home purchasing needs.”
Brian Leibowitz made the application process as simple as possible. Aside from one initial quirk which was immediately rectified. Always ready to provide an update and explanations pertaining to items I did not understand. I would recommend Affordable Financial Services LTD, they are user friendly, takes the research out of my hands.
Thank you for all of your help, this has indeed been some experience for me. I have been encouraging all of my brothers and sisters to make smart choices financially now, so when the time comes the process is a bit more enjoyable. You will never know the contributions that you have made to our lives, this isn’t just a house we have made it our home already and it has been in the family for over 60 years. So it was important for me to pass it down to my children as well.
Attentive and knowledgeable. Walked us through the whole house buying process and answered all our questions along the way. Customer care was top notch.
Thank you for being professional, patient, friendly and helpful throughout this loan process. You have made the loan easiest of all home buying requirements. Thank you.
The process is tedious & intense at the same time. I have had some credit issues over the years & made it a longer process, but AFS stuck with me & we finally closed!
Brian went above and beyond to find us & solidify our mortgage at an excellent rate.
Excellent and very informative, made the transactions easy to understand
Brian was very Professional and an all around nice guy
Very Professional and knowledgeable, always kept us up to date even on small issues
Truly exceptional, great experience 100% satisfied
Straight forward, rate was good, time factor was great in relation to closing date. I have had 2 other companies fail me but I loved the service here and it was a smooth process. What else can I say but to say thank you, best deal ever.
I was uncertain at first because there are unscrupulous companies but was reassured by AFS step by step. They made a commitment and followed thru, delivering what it said it would do.
I was extremely please with the whole process. Went above and beyond to make sure things ran smoothly and defines things for me which made it easier to understand
Excellent experience, fast turn around times
I am very satisfied, they took very good care of me. They know their work and did not misguide me like other financial institutions
Excellent experience, very knowledgeable, would recommend to my friends and family
Very good experience, I was always informed every step of the way. Great service, great knowledge of the mortgage rules & regulations.
Very Professional and knowledgeable, always there when we needed something. Thank you for getting us into our dream home!