Christian Funes · 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 closing on time.

NMLS #19313662+ Years ExperienceLicensed in 1 State
65
Recent Loans Closed
2+
Years Experience
4.88
Average Rating (130 reviews)
Christian Funes
Branch Manager · NMLS #1931366
Meet Your Loan Officer

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

Meet Christian, 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 #1931366
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 Christian + Sophia
Instant answers, 24/7
Sophia responds in seconds — Christian 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 Christian's expertise and AFN's full lending platform. When you're ready, Christian 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 Christian · NMLS #1931366
Hi, I'm Sophia — Christian'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

★ ★ ★ ★ ★
He is honest person good making deal
Miguel Angel A.
Ocala, FL
★ ★ ★ ★ ★
Hola quería agradecerle a cristhian y todo su equipo, ya que si pudiera darle mil estrellas ?? se la daría y mas ,te hacen sentir como una familia, nuca te suelta de la mano ,cuando piensas que no puedes hay estan para recordarte que el cielo es el límite, si sientes que no estas preparada o preparado ,te garantizo que te van a preparar y lo vas a lograr, con ello logre mi sueño el cual veia lejos y esa gran familia y dios me lo pusieron en mis manos, son mi equipo preferido y vamos por mas de la mano de ustedes, bendiciones, los quiero y fueron mi sueño hecho realidad, solo puedo decir gracias gracias gracias ??
Niuris R.
Vero Beach, FL
★ ★ ★ ★ ★
Christian and his team are the best ones I really love work with them thank you so much for make fell always welcome .
Yamile Regla R.
Ocoee, FL
★ ★ ★ ★ ★
Recomiendo a Christian con los ojos cerrados. Siempre estuvo atento a todo, aclarando siempre todas las dudas y sobre todas las cosas buscando las mejores opciones!!! El y todo su equipo son maravillosas personas y profesionales.
Alberto Rene M.
Cape Coral, FL
★ ★ ★ ★ ★
Christian Funes has helped my family with several mortgage applications. He and his team have always provided excellent support during the application and purchase process. What has always stood out is his ability and willingness to understand our individual needs and provide the knowledge and support to help us navigate the challenging process of obtaining a mortgage and purchasing a home. We have always felt that Christian and his team did not treat us as a means to achieve numbers. Instead, they have treated us with human dignity and respect and communicated honestly and clearly throughout the process. We are grateful because we feel that purchasing a home is a "human experience", not a business transaction. Thank you so much!
Asha M.
Oviedo, FL
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.

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