Cecilia Romero · 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 #24914318+ Years ExperienceLicensed in 1 State
4
Recent Loans Closed
18+
Years Experience
4.92★
Average Rating (36 reviews)
Cecilia Romero
Loan Officer · NMLS #249143
Direct(909) 721-8303
EmailCRomero@afncorp.com
Meet Your Loan Officer

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

Meet Cecilia, 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 #249143
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 Cecilia + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Cecilia 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 Cecilia's expertise and AFN's full lending platform. When you're ready, Cecilia 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 Cecilia · NMLS #249143
Hi, I'm Sophia — Cecilia'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

★ ★ ★ ★ ★
Cecilia guided me and answered every question and suggestion i had.. not once did she say no or it cannot be done, she just found a way to get me the best possible rate and closing costs..i am nothing but grateful for her patience, expertise and professionalism..once again, thank you Cecilia...
Jesus E.
Hemet, CA
★ ★ ★ ★ ★
She was very helpful and would definitely recommend her to family and friends!
Jimmi R.
Mojave, CA
★ ★ ★ ★ ★
I want to say thank you for helping us save with our mortgage. You did a great job, it was a pleasure working with you. Thank you so much
Ma Esther A.
Selma, CA
★ ★ ★ ★ ★
The Loan Officer experience, knowledge, communication skills and performance was excellent. Both Selling agent and Listing agent was very pleased with Cecilia. She helped keep the deal together between buyers and sellers. Corporate office internal process should incorporate a better TRACKING system of contractual Closing Dates as a primary goal of their internal operation.
Reynaldo R.
San Bernardino, CA
★ ★ ★ ★ ★
Cecilia is very kind, professional and hard working. She provided excellent customer service to my clients and to me as their agent. She guided my clients from the very beginning on how to prepare for the home buying process, all the way to the very end when escrow closed on their new home.
Marcia M.
Chino Hills, 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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Cecilia typically responds within 24 hours. No bots, just expert advice.