Helping Families Achieve Their Dream Of Homeownership


Who We Are

American Financial Resources® has proudly provided quality residential mortgage services since its founding in 1997. We are an independent nationwide lender serving both direct to consumer and wholesale channels with a wide variety of financing options, including an emphasis on specialty loan programs.

Specialty Lending

AFR offers a variety of Specialty products including Single Close Construction, Renovation, Manufactured Home, Down Payment Assistance, and Non-Qualified Mortgage Loans.

Full Service Mortgage Lender

AFR covers all aspects of the mortgage process including loan origination, underwriting, funding, post-closing, servicing, and construction project management.

Top Lender

Amongst our many Industry accolades, AFR was named a Top Lender in 203(k) lending for sponsored originations by Neighborhood Watch.*

Providing Solutions to Businesses and Consumers

Serving Wholesale, Correspondent, and Consumer Direct Channels.

Full Spectrum Catalog

Our program catalog spans the gambit, covering FNMA, Freddie, FHA, VA, and USDA, all available in nearly every US State.

Diverse Delivery Options

Loan-by-loan our TPO's can switch between brokering and acting as a correspondent. We support, delegated and non-delegated underwriting, as well as table funded and bulk bid transaction methods.

Industry Leading Technology

Offering proprietary cutting edge web and mobile applications designed to facilitate constant communication and transparency throughout the mortgage process.


For 25 years and three generations, the AFR family has worked tirelessly to bring families home.

* Neighborhood Watch, US Department of Housing and Urban Development, on June 22, 2021.

American Financial Resources is committed to providing consistent hard work, dedication, adaptability and innovation to its clients and partners through sound leadership, unparalleled industry expertise and unwavering commitment to service... with a personal touch!

What We Offer

Mortgage Products

AFR offers a wide range of specialized mortgage solutions to fit various needs. The focus is on niche products that are offered in a simplified and streamlined way to make it easy for all parties involved.

  • Single-Close Construction Loans
  • Renovation Loans
  • Down Payment Assistance
  • Manufactured Housing Loans
  • Conventional, FHA, VA, and USDA
  • Non-QM Bank Statement Loans
Our Brands & Channels


eLEND provides borrowers with a wide range of mortgage services including support for home purchases, new construction, renovations, and refinancing options. Our unique array of products and superior customer service, sets us apart from the competition.

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Everyone deserves to have the home of their dreams. Manufactured homes can be an affordable option. AFR's ManufacturedHome.Loan division strives to make home ownership a reality for borrowers interested in mobile and tiny homes.

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AFR Wholesale

AFR Wholesale partners with Brokers, Correspondents, Credit Unions, and various other Financial Institutions, to provide mortgage solutions by offering an extensive program catalog with competitive pricing.

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Our Technology

It's not just what we do. It's how we do it.

Many of the specialty loans that AFR offers require complex processes which are not supported by off-the-shelf industry software. As a result, AFR determined that the best way to deliver a seamless technology solution was to build the apps in-house. Now in its seventh year, AFR's application development team has a full suite of enterprise-class software tools designed specifically to meet the needs of our customers.

Company Timeline

Our History


Ranked #1 in Sponsored Originations for 203(k) renovation loans.


Transitioned to remote-workforce and supported over 11,000 families with financing.


Took our One-Time Close Construction program in-house and funded over 600 projects.


Became the administrator for a nationwide down-payment assistance program.


Launched the MyLoanCenter borrower portal and mobile app.


Named a "National Top Mortgage Lender" by Scotsman Guide.


Launched our proprietary TPO portal - "AFR Loan Center".


Funded over $3.5b in residential mortgage loans.


eLEND direct-to-consumer brand is established.


Moved to new headquarters at 9 Sylvan Way in Parsippany, NJ.


AFR Wholesale division is established.


Began offering mortgages on manufactured homes.


Exceeds $1 Billion in loans funded.


AFR is established


Our Senior Leadership Team

Available for you

A national presence, in more ways than one.

In 2021 AFR had employees across 20 states and funded loans in all 50.
Charitable Outreach

AFR Gives Back

AFR is dedicated to making a difference in our community. Every year, we sponsor and participate in charitable events that allow our team to connect with those less fortunate and enrich the lives of the of the communities we serve.

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We're Hiring

Join Our Team

AFR is always looking for creative dedicated professionals who appreciate a respectful environment and share a passion for bringing families home.

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Contact Us

Get In Touch

Contact Information

  • Customer Service: 800-316-9508

    AFR Wholesale: 888-913-3912


  • American Financial Resources, LLC. 8 Campus Drive, Suite #401, Parsippany, NJ 07054

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