Frederic Reichardt · 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 #4635038+ Years ExperienceLicensed in 1 State
69
Recent Loans Closed
8+
Years Experience
4.88★
Average Rating (470 reviews)
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Frederic, 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 #463503
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 Frederic + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Frederic 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
→
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.
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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 Frederic's expertise and AFN's full lending platform. When you're ready, Frederic 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 dataS
Sophia
Backed by Frederic · NMLS #463503
Hi, I'm Sophia — Frederic'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
★ ★ ★ ★ ★
Landmark has been wonderful to work with during my mortgage planning. Very knowledgeable and always available for questions. Highly recommend!
Rebecca O.
AFN Client
★ ★ ★ ★ ★
Sue Allbriton is the best! She helped me numerous times over the years with my home financing needs. Call her for a great experience!!
its j.
AFN Client
★ ★ ★ ★ ★
Sue Albritton goes beyond all expectations when it comes to customer service. She is always available and eager to make the loan process as stress free as possible.
Annette A.
AFN Client
★ ★ ★ ★ ★
Sue Albritton with Landmark Mortgage Planners and her team are the BEST of the best!!! We have worked with her over many years for our mortgages and refinances. Always a pleasure to work with !!!
Gail D.
AFN Client
★ ★ ★ ★ ★
Wow, how do I describe the lender that always gives us a clear to close? Sue Albritton and her team at Landmark Mortgage Planners are the BEST. I am a Realtor with Coldwell Banker MM Parrish and have sent many loans to Sue. She responds quickly and efficiently with my clients and they love her for that. We have many first time homebuyers and Sue is great at explaining every detail so they will understand the loan process. She always answers calls/texts any time of the day or night for clients and myself. The entire Landmark team is great with communicating and keeps everyone up on the process. Landmark has closed loans that others could not. When we hit a bump in the road, Sue always has a plan to get it resolved so closing can happen on time. They go that extra mile and really care about each homeowner. The Landmark team works wonderfully together to help buyers purchase that perfect home. I LOVE Landmark Mortgage Planners and recommend them to every one that is interested in buying a new home.
Lynne & Bill Saunders and Bethany Johnson (TEAM SAUNDERS)
Coldwell Banker MM Parrish Realtors
Gainesville, FL
Lynne a.
AFN Client
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 MeGet in Touch