Alan Cipolletti · 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.

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NMLS #6530052+ Years ExperienceLicensed in 1 State
8
Recent Loans Closed
2+
Years Experience
4.93★
Average Rating (122 reviews)
Alan Cipolletti
Loan Officer · NMLS #653005
Direct(949) 394-1757
Emailacipolletti@afncorp.com
Meet Your Loan Officer

The mortgage process should feel like a milestone, not a headache.

Meet Alan, a Loan Officer at American Financial Network licensed in 1 state. 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 #653005
Licensed 1 State
AFN NMLS #237341
A Better Way

Traditional process vs. working with us

Traditional Process
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Phone tag & voicemail
Wait hours or days for a callback from your loan officer
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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 Alan + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Alan 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.

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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 Alan's expertise and AFN's full lending platform. When you're ready, Alan steps in personally.

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Estimate monthly payments based on your actual scenario
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Explore loan programs matched to your situation
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Start your application without waiting for a callback
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Check local market conditions and neighborhood data
S
Sophia
Backed by Alan · NMLS #653005
Hi, I'm Sophia — Alan'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

★ ★ ★ ★ ★
Working with Alan and his team was an amazing experience from start to finish. Their communication was outstanding—they kept me informed every step of the way and were always quick to answer any questions I had. What really stood out was how efficient and on top of everything they were. They made the entire home-buying process feel smooth and stress-free, and consistently got things done quickly and professionally. I always felt like I was in good hands. I’m so grateful to have had Alan as my lender and would highly recommend him and his team to anyone looking to buy a home!
Sabrina L.
La Mirada, CA
★ ★ ★ ★ ★
Alan went above and beyond to get us into a home
Zachary B.
Ventura, CA
★ ★ ★ ★ ★
i cannot say grateful my husband and i are for Alan and his team. As first time homeowners , Alan helped our process with patience , kindness, understand, and expertise . Alan and his team consistantly had iur best interests in mind, what a gem in this field .
Bryce C.
Ventura, CA
★ ★ ★ ★ ★
Alan made this a truly great experience for my wife and I. The process was quick and easy, with Alan in constant communication with us to answer any of our questions that popped out through this transaction.
Ryan L.
Garden Grove, CA
★ ★ ★ ★ ★
Alan was fantastic throughout the whole process. He was very responsive and always happy to give any explanations or insight for any of our questions.
Callum James Campbel W.
Rancho Mission Viejo, CA
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
Start My Application

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

Are you a real estate agent?

I provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet for instant updates. Let's build a partnership that elevates your business.

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Get in Touch

Ready to get started?

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Alan typically responds within 24 hours. No bots, just expert advice.