Adam Leal · Loan Officer
Your home journey,
guided by people who care
Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.
NMLS #1340965+ Years ExperienceLicensed in 2 States
122
Recent Loans Closed
5+
Years Experience
4.58★
Average Rating (109 reviews)
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Adam, a Loan Officer at American Financial Network licensed in 2 states. Reach out to discuss your homeownership goals.
Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.
“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #134096
Licensed 2 States
AFN NMLS #237341
A Better Way
Traditional process vs. working with us
Traditional Process
✕
Phone tag & voicemail
Wait hours or days for a callback from your loan officer
✕
Manual paperwork
Print, sign, scan, and email stacks of documents
✕
Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Adam + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Adam follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
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Real-time status tracking
Know exactly where your loan stands at every moment
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Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs
Every option. Your best fit.
◆
Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
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VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
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Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
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Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
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Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Available 24/7
Meet Sophia,
your AI-powered mortgage assistant
Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Adam's expertise and AFN's full lending platform. When you're ready, Adam steps in personally.
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Estimate monthly payments based on your actual scenario→
Explore loan programs matched to your situation→
Start your application without waiting for a callback→
Check local market conditions and neighborhood dataS
Sophia
Backed by Adam · NMLS #134096
Hi, I'm Sophia — Adam's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences
Trusted by families nationwide
★ ★ ★ ★
Over all things were very good. Adam made it happen when another company told us they were unsure. Adam was confident he could make It happen and he did. There was just a lot of "internet /computer" problems that made me question things. I do appreciate Adam hustling to get this done in a very quick time. He picked it up in the middle after another company made promises then backed out. It was a messy situation that Adam took on and made it happen. If it wasn't for Adam we wouldn't have got our house so over all I do really appreciate everything Adam did.
Charles R J.
Dundee, MI
★ ★ ★ ★ ★
He was very quick on turnovers. If he was unavailable to answer at the time, he got back to me quickly. He was very professional but also very friendly and nice to talk to overall. He made the whole experience easy and made sure that I got the best possible deal. He really took care of me. He worked well with my realtor. he was recommended by someone that worked at the vet center that had worked with him for his home and I was so glad that he was avaible to help me.
Kaitlyn O.
Northwood, OH
★ ★ ★ ★ ★
Adam has been our lender through every major step of our home journey. He helped us purchase our first home, supported us through selling, and is now guiding us through our refinance. Every single time, he has been consistent, responsive, and incredibly reliable.
No matter what situation comes up, Adam handles it with professionalism and ease. He takes the time to explain everything clearly, keeps things moving, and makes what can be a stressful process feel manageable.
We’ve recommended Adam countless times. My mom has worked with him, and we’re planning for my brother and sister-in-law to use him as well. That alone speaks to the level of trust we have in him.
If you’re looking for someone knowledgeable, dependable, and genuinely invested in helping you, Adam is the one. 10/10, we would choose him again without hesitation.
Dariun Hudson J.
Lambertville, MI
★ ★ ★ ★ ★
He is always willing to help and tries to get everything taken care of to the best he can and as fast as he can
Stacey R.
Lambertville, MI
★ ★ ★ ★ ★
Everything was handled quickly and efficiently
Tammy H.
Monroe, MI
Tools
Payment Calculator
$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years
This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.
Real Estate Partners
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