Florangel Pernia · 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 #39170615+ Years ExperienceLicensed in 3 States
74
Recent Loans Closed
15+
Years Experience
4.86
Average Rating (127 reviews)
Florangel Pernia — Branch Manager
Florangel Pernia
Branch Manager · NMLS #391706
Meet Your Loan Officer

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

For the past 15 years, I've had the privilege of helping individuals and families achieve one of the biggest milestones of their lives; buying a home, I truly believe that every client deserves personal attention, honest advice, and a mortgage experience that is as smooth and stress-free as possible. Whether you're purchasing your first home, moving into your forever home, refinancing, or investing in real estate, my goal is to guide you every step of the way with knowledge, patience, and clear communication. I take the time to understand your financial goals and recommend the loan program the best fits your needs, not just today, but for your future. Over the years, I've helped hundreds of families navigate a wide variety of loan programs, including Conventional, FHA, VA, USDA, NQM and down payment assistance options. My clients know they can count on me to be responsive, transparent, and committed to find solutions, even when their situations are complex. For me, this business is about more than mortgages; it's about building lasting relationships. There is nothing more rewarding than handing a client the keys to their new home and knowing I played a part in making that dream a reality. I look forward to earning your trust and helping you make your next move with confidence. When I am not helping clients, I enjoy spending time with my family, staying active through Pilates, taking peaceful walks in nature, staying connected with my small circle of dear friends or giving back to my community. I believe that building meaningful relationships is just as important as helping people achieve their dream of homeownership, and I look forward to being part of your journey.

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 #391706
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 Florangel + Sophia
Instant answers, 24/7
Sophia responds in seconds — Florangel 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 Florangel's expertise and AFN's full lending platform. When you're ready, Florangel 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 Florangel · NMLS #391706
Hi, I'm Sophia — Florangel'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

★ ★ ★ ★ ★
Florangel helped me a lot in the process of my loan for my house, she answer every question that I had. It was great to work with her . I fully recommend her . I really appreciate her help and professionalism during the process of my loan.
Daniel Ernesto E.
Stafford, VA
★ ★ ★ ★ ★
Shi is great full
Taye Tadesse E.
Alexandria, VA
★ ★ ★ ★ ★
I want to express my sincere appreciation to the team at American Financial Network. You did an outstanding job. Your guidance, communication, and dedication made the entire experience smooth and stress-free. Thank you for the excellent service.
Nicolas M.
Woodbridge, VA
★ ★ ★ ★ ★
Muy amable y siempre atenta a cualquier inquietud que yo tenía
Zoraida I.
Woodbridge, VA
★ ★ ★ ★ ★
Amazing and efficient work !
Gabriela C.
Woodbridge, VA
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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Florangel typically responds within 24 hours. No bots, just expert advice.