Arianne Claudine Tumalad · 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.

Apply NowSchedule a Call
NMLS #25965720+ Years ExperienceLicensed in 1 State
26
Recent Loans Closed
0+
Years Experience
4.96★
Average Rating (50 reviews)
Arianne Claudine Tumalad
Loan Officer · NMLS #2596572
Direct(858) 282-6969
Emailatumalad@afncorp.com
Meet Your Loan Officer

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

Meet Arianne, 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 #2596572
Licensed 1 State
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 Arianne + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Arianne follows up personally
→
Automated document collection
Upload from your phone, AI organizes everything
→
Real-time status tracking
Know exactly where your loan stands at every moment
→
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.
◆
FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
◆
VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
◆
Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
◆
Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
◆
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 Arianne's expertise and AFN's full lending platform. When you're ready, Arianne steps in personally.

→
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 data
S
Sophia
Backed by Arianne · NMLS #2596572
Hi, I'm Sophia — Arianne'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

★ ★ ★ ★ ★
From the start to end Arianna was very responsive to all my question/concerns at any time or day, to also note that she was on vacation, with a 12 hour difference in time, and still answered my calls/emails! I mean that's dedication to her work which it's hard to find people like that now a days. Roland is amazing as well ! Answering my question at any time and keeping me on track with the process. They were very respectful of my time which I appreciated because its hard for me to communicate working 7-5 but they awnsered in a timely fashion even late into the night. If youre looking for team that will get you to the finish line with little hassl, then this is the perfect team to go with! Thank you again and again for being by my side guys and the many more you will help!!
Jonathan Edquiban D.
Virginia Beach, VA
★ ★ ★ ★ ★
easy to talk to, replies fast, and explain everything in the way you will understand easily
Aingelo Karl Salvado M.
Norfolk, VA
★ ★ ★ ★ ★
Maam Arianne is responsive and really takes care of her clients.
Joshua Sale A.
Norfolk, VA
★ ★ ★ ★ ★
Arianne was extremely helpful and answered all of my questions. She helped make our first home purchase experience be as smooth as it possibly be.
Alexander Wolfgang F.
Suffolk, VA
★ ★ ★ ★ ★
im able to understand the needed requirements easily
James Ryan B B.
Virginia Beach, VA
Tools

Payment Calculator

$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
$
%
$
%
No MI
$
%
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.

Partner With Me
Get in Touch

Ready to get started?

I'm interested in:

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