Michael Mastriano · 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 #89428315+ Years ExperienceLicensed in 1 State
19
Recent Loans Closed
15+
Years Experience
4.92★
Average Rating (455 reviews)
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Michael, 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 #894283
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 Michael + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Michael 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.
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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 Michael's expertise and AFN's full lending platform. When you're ready, Michael steps in personally.
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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 Michael · NMLS #894283
Hi, I'm Sophia — Michael'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
★ ★ ★ ★ ★
Michael was referred to me by a dear friend and realtor here in Hernando County Fl in the month of July from start to finish he was diligent and precise. He showed absolutley no hesitation in his ability and confidence, his professionalism is un matched any and all discrepancies not that there were a whole lot that came up . But he handled everything head on and advised me with pure instruction . i was away for most of the entire month dealing with him from an offshore stand point and no matter what he went above and beyond to make sure I had everything in order . Michael is absolutely the best of the best in his profession ! Thank you again sir !!
sincerely
S.Young
Shawn Y.
Brooksville, FL
★ ★ ★ ★ ★
Michael was referred to me by a dear friend and realtor here in Hernando County Fl in the month of July from start to finish he was diligent and precise. He showed absolutely no hesitation in his ability and confidence, his professionalism is unmatched any and all discrepancies not that there were a whole lot that came up . But he handled everything head on and advised me with pure instruction . I was away for most of the entire month dealing with him from an offshore standpoint and no matter what he went above and beyond to make sure I had everything in order . Michael is absolutely the best of the best in his profession ! Thank you again sir !! sincerely S.Young
S.Young
Brooksville, FL
★ ★ ★ ★ ★
Michael truly was amazing to work with. Always replied quickly even on weekends and always answered our questions straight and forward and helped us purchase our home quickly without any problems. We can't thank him enough!
Adam J C.
Ocala, FL
★ ★ ★ ★ ★
Micheal and his team went above and beyond. He was very informative and on top of everything to make sure things went smoothly.
Natalia S.
Weeki Wachee, FL
★ ★ ★ ★ ★
I cannot speak highly enough of Michael. He made our home buying process so smooth and was a pleasure all around, just such a genuine guy and SO professional and knowledgeable in his field. You can immediately tell he has decades of experience and loves his job. Day and night this man was available for us and always made us feel like a priority. To the very end he meticulously took care of every detail. Even our realtor was impressed with his work ethic. We couldn't have been more blessed to have him as our lender and look forward to working with him again in the future!
Mckenzie H.
Winston-Salem, NC
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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