Derrick Stewart · 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 step focused on an on-time closing.

NMLS #20343985+ Years ExperienceLicensed in 3 States
71
Recent Loans Closed
5+
Years Experience
4.95
Average Rating (113 reviews)
Derrick Stewart — Loan Officer
Derrick Stewart
Loan Officer · NMLS #2034398
Meet Your Loan Officer

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

After receiving both my BSBA and MBA from the University of Florida, I spent the first part of my career as an Executive at one of the largest construction companies in the country. But, with my education and background in traditional “business,” I was always fascinated with the financial aspect of the industry and how the deals were structured. That fascination, combined with my inherent desire to connect and help people, led me to the Mortgage Industry. I pride myself on always trying to do the right thing in all aspects of life, both personal and in business. My clients can expect that same sentiment from me in our dealings and know that I will always put their best interest in mind. I want to not only help you buy your first home, I also want to be on your side when you buy your 3rd, 4th, or 5th home! I grew up in Fort Myers and moved to St. Petersburg for my first job out of college. I absolutely fell in love with the city! I feel like it has all the perks of a larger city but still has the charm of a smaller city. I think I’d even like to be Mayor one day. I’ve traveled to 48 countries around the world, but there is still no place like home in St. Pete! When I’m not traveling the world or working for my clients, you can find me outdoors somewhere doing some sort of physical activity or in the kitchen crushing some food! I’m extremely passionate about Health & Wellness and believe that our greatest asset in this life is our bodies. And to fully optimize our bodies, we must nourish them with quality foods, maintain an active lifestyle, get plenty of sleep, and surround ourselves with love. I sincerely love fostering relationships with people and truly find joy knowing that I’m helping people purchase their dream home. And for those reasons, I promise you that there is no one who will work harder than myself to make your dream come true!

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 #2034398
Licensed 3 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 Derrick + Sophia
Instant answers, 24/7
Sophia responds in seconds — Derrick 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 Derrick's expertise and AFN's full lending platform. When you're ready, Derrick 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 Derrick · NMLS #2034398
Hi, I'm Sophia — Derrick'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 inital application to the completion of the loan Derick was amazing. We appreciated his patience and professionalism and he made us feel comfortable throughout the process. Any questions that we had were answered in timely manor. We would happily refer our friends and family to AFN.
Rose Marie M.
Bradenton, FL
★ ★ ★ ★ ★
Derrick Stewart was great to work with very knowledgeable and professional..
Michael M.
Bradenton, FL
★ ★ ★ ★ ★
Derrick has always gone above and beyond for us! He's always easy and responsive with his communication, and has helped us tremendously whenever there was an issue arise with our home purchased . We have now used Derrick on multiple occasions to secure our loans, and we won't be using anyone else in the future. his always eased the stress of home buying and the mortgage process and it's made every experience a great one
Nadine H.
Landrum, SC
★ ★ ★ ★ ★
Derrick was amazing at every step in the process. He is supportive and professional but treats you like a friend. He went above and beyond helping us find insurance policies at a great rate. He was fast and efficient handling our quick close date. He made everything seem easy and smooth from our perspective. We highly recommend Derrick!
James E.
Hollywood, FL
★ ★ ★ ★ ★
Perfect experience
Omar M I.
Coral Gables, 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

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