Brian Cushing · Branch Manager

Your home journey,
guided by people who care

Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every step focused on an on-time closing.

NMLS #3030453+ Years ExperienceLicensed in 4 States
144
Recent Loans Closed
3+
Years Experience
4.92
Average Rating (80 reviews)
Brian Cushing — Branch Manager
Brian Cushing
Branch Manager · NMLS #303045
Meet Your Loan Officer

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

Let's face it, not all mortgage lenders put their clients' needs before their company sales goals. We've all heard stories about people getting stuck with home loans that didn't fit their needs or, worse, put them in financial jeopardy. We're not like other teams. We believe mortgage loan advisors have a responsibility to be transparent and should have your best interest at heart. This is why we've helped thousands of families successfully navigate the mortgage process with education and honest advice. Whether we're helping you get your first home, accommodate your growing family, start that renovation project or whatever goal is on the horizon, we're here to help you realize your dreams with confidence knowing that your mortgage loan is setting you up for financial success.

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 #303045
Licensed 4 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 Brian + Sophia
Instant answers, 24/7
Sophia responds in seconds — Brian 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 Brian's expertise and AFN's full lending platform. When you're ready, Brian 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 Brian · NMLS #303045
Hi, I'm Sophia — Brian'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

★ ★ ★ ★ ★
Brian is very knowledgeable and extremely helpfu!
Jonathan Saul B.
Reno, NV
★ ★ ★ ★ ★
everyone was extremely helpful making this entire process possible. You couldn't ask for a better team
Jeannie R. G.
Gardnerville, NV
★ ★ ★ ★
thank you I really appreciate it all you did for us to complete this process for the purchase of the property we are really happy
Carlos Franscisco G.
Reno, NV
★ ★ ★ ★ ★
Despite my forgetfulness and the bump in the road with my name on my Credit, he was still willing to work with me and went above and beyond to help me with getting my name updated on my credit. I thank you immensely.
Jaime L L.
Reno, NV
★ ★ ★ ★ ★
Excellent service from start to finish. Brian and his team were fast, professional, and incredibly helpful throughout the entire process. He made everything easy and stress free. Highly recommend.
Krum O K.
Reno, NV
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

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?

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