Gladys Caparratto · 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 closing on time.

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NMLS #24907792+ Years ExperienceLicensed in 1 State
3
Recent Loans Closed
2+
Years Experience
5.00★
Average Rating (5 reviews)
Gladys Caparratto
Loan Officer · NMLS #2490779
Direct(305) 986-3114
Emailgcaparratto@afncorp.com
Meet Your Loan Officer

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

Meet Gladys, 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 #2490779
Licensed 1 State
AFN NMLS #237341
A Better Way

Traditional process vs. working with us

Traditional Process
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Phone tag & voicemail
Wait hours or days for a callback from your loan officer
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Manual paperwork
Print, sign, scan, and email stacks of documents
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Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Gladys + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Gladys 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.

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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.
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VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
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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.
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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 Gladys's expertise and AFN's full lending platform. When you're ready, Gladys 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 Gladys · NMLS #2490779
Hi, I'm Sophia — Gladys'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

★ ★ ★ ★ ★
It was a pleasure working with Gladys Cappriatto. She made the process so easy to understand and it worked out great. I would definitely use Gladys again. Thanks for all your help.
Miguel Fonseca
AFN Client
★ ★ ★ ★ ★
The whole process was made very easy for myself.
Michael F.
Tampa, FL
★ ★ ★ ★ ★
The product itself is of excellent quality, and I couldn't be happier with my decision to buy from this company. I so appreciate all the help you've given me! You have a great team working for you!! “ “We can't thank your entire team enough for all of your hard work on getting our loan taken care of and early for that matter. ????? “Five stars all the way! The service, the product, and the overall experience were outstanding. I will definitely be a repeat customer and will recommend them to everyone I know.”
Liz Valentin
AFN Client
★ ★ ★ ★ ★
Gladys is hard working, honest, and a good listener. She works endlessly to find solutions for her clients! She has many different loan programs available and will walk you through the entire process. I recommend you call her whether you are buying a home, refinancing a home, or just need a line of credit to utilize some of the equity in your home!
Carmen Alvarez
AFN Client
★ ★ ★ ★ ★
Gladys is awesome. She reached out to me and was available to answer all of my questions and explain in great detail about the home loan process. I would recommend anyone looking for a MLO to use her. She is the best at her job! Keep up the awesome work Gladys!
Ebonie Johnson
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
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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Gladys typically responds within 24 hours. No bots, just expert advice.