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.

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NMLS #4635037+ Years ExperienceLicensed in 1 State
67
Recent Loans Closed
7+
Years Experience
4.88★
Average Rating (456 reviews)
Frederic Reichardt
Branch Manager · NMLS #463503
Direct(352) 359-4681
EmailFReichardt@afncorp.com
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
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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.
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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.
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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.
◆
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.

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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 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

★ ★ ★ ★ ★
From the moment we contacted Sue, she was on it. In matter of a few hours she had a preapproval letter to us. she was upfront, and honest about what we needed to do to make a deal happen with our personal situation. Sue and her team answered all our questions for us over multiple phone calls/texts and emails. They made the process very easy for us. We recommended her team out and have already received news that the Sellers agent and closing agent said they were great to work with and recommend their team as well. They just made the whole process a breeze, during a very important decision ! We couldn't have asked for more ! Thank you.
Kyle
AFN Client
★ ★ ★ ★ ★
The customer service
Lorenzo S R.
Lake City, FL
★ ★ ★ ★ ★
Fritz's dedication to helping me close in a timely manner. As well as, finding the perfect rate is what made him stand apart alongside his patience.
Tayiah Briahna L.
Gainesville, FL
★ ★ ★ ★ ★
Fritz, Adam, and Jackie were amazing to work with throughout my home-buying journey. They were patient, knowledgeable, and always kept me informed every step of the way. Their communication and dedication made the entire process smooth and stress-free. I highly recommend Landmark Mortgage 100/10! Thank you for making my home-buying experience such a positive one.
Tayiah L.
AFN Client
★ ★ ★ ★ ★
Great communication, very prompt responses
Chase Keller J.
Lake City, 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
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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Frederic typically responds within 24 hours. No bots, just expert advice.