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.
Affordable Financial Services Ltd. made is quick and simple to process my refi. Steve DeAngelis was my first point of contact and he was truly superb. He responded to my emails promptly and made sure to keep the lines of communication open between the underwriting dept. and myself. Katie Munoz who is the Loan Processor handled my loan with such diligence and efficiency and also remained in contact with me throughout the entire process. I am so grateful to them both as they truly were very conscientious about my sense of urgency on needing to get this done. 2 thumbs up, 5 stars, and more!
Every step of the way, your team has been first-class, A#1 in everything one wants in going through this somewhat arduous process – good, clear explanations of each step of the process, and a drive to succeed that should be the envy of any company of any sort. I made an almost unreasonable request that we complete the closing by the time I wanted to leave town – tomorrow – for a few weeks to go to my place in Maine (also the time the loan commitment from ****** would expire!). And they got it done. That Katie has been a whirlwind in these closing days – very impressive.
Thank you both for your patience with me during this time. I returned to work in January after battling breast cancer for the last year! While I’m still receiving chemo treatments I have faith this will be behind me soon!Both of you guided me through this process and I am happy to say the closing went very smoothly! Thank you for all that you do and for helping me eliminate the biggest stressor my credit card debt.Have a wonderful day and again Thank You!-Bernadette C.
Brian and his team at Affordable Financial has made my re finance effortless!! Their total care and understanding of my situation was something like I have never experienced in other re fi’s I have done. They are professional, courteous, responsive! From the first time I contacted them to the day after my closing they made me feel like I was their only customer. I will refer them to all my friends, family and neighbors! Thank you Affordable Financial!! – Bobby C.
My wife and I used them for our refi on our mortgage. The whole process from start to finish was quick, easy to understand and saved us a lot of money per month. They give you a list of everything you need, you send your documents in, and two weeks later everything was done. I dealt with Roberto and Brian and they were very responsive when I had a question. I emailed and very quickly I received a return email or a phone call explaining everything in great detail. I would use them again and would recommend them to anyone looking for a mortgage. – Steve F.
We have used Affordable Financial multiple times. They are always professional and on top of things. They white glove the client from start to finish. The owner, Brian Leibowitz, is a genius. He’s incredibly smart and dedicated and very responsive. He’s innovative as well especially when you’ve come up against a roadblock. His staff is also very professional and responsive. Shout out to Katie M. for all of her help and hard work! Brian—you and your staff are incredible and you are they only company I would ever use for mortgage financing. You made a stressful refi as seamless as could possibly be and I appreciate you and your staff! Thank you from the bottom of my heart! – Lisa C.
“Thanks to your team, you (have) allowed me a fresh start and put me in a good place. I am doing well and making smart decisions about my finances now…Being able to pay off debt has been wonderful. I can save money and enjoy life without all the stress I was under before…Thanks again and I will never forget AFS!” – Andrew D.
I had an incredible experience with affordable financial services….I was going into contract with another company …. they saw that I was a first responder and took me under their wing … they guided me every step of the way. They were extremely professional and they really care for all first responders and getting the best deal for them!!! I would highly recommend this company to any first responders looking for a credible Mortgage company and for getting the best deal!!!!
My wife and I had a great experience with Affordable Financial Services. They were very understanding and compassionate about our careers and strive to get the best rates. They really put forth a tremendous effort to make my family feel safe and secure with our future investment. I would highly recommend AFS to any first responder looking for a mortgage company. – Scot K., First Responder
We had a great experience with Affordable Financial Services. They truly care about first responders and getting the best deal for them. I would highly recommend this company to any first responders looking for a respectable mortgage company.
– Ken D., NY First Responder
Affordable Financial Services is the place to go for first responders. If you’re like me, you like the availability of personnel to answer your questions at all times of the day. This company’s customer service is unparalleled and they were able to secure us the best possible rate. Brian and his team fully understand the needs of first responders and was able to get my growing family into our dream home. Thanks AFS!
-Michael H., Sergeant, NYPD
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.
Very Professional and knowledgeable, always there when we needed something. Thank you for getting us into our dream home!
Very good experience, I was always informed every step of the way. Great service, great knowledge of the mortgage rules & regulations.
Excellent experience, very knowledgeable, would recommend to my friends and family
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, fast turn around times
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
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.
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.
Truly exceptional, great experience 100% satisfied
Very Professional and knowledgeable, always kept us up to date even on small issues
Brian was very Professional and an all around nice guy
Excellent and very informative, made the transactions easy to understand
Brian went above and beyond to find us & solidify our mortgage at an excellent rate.
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!