Mike Reber · 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.
NMLS #10535923+ Years ExperienceLicensed in 2 States
11
Recent Loans Closed
3+
Years Experience
5.00★
Average Rating (6 reviews)
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Mike, a Loan Officer at American Financial Network licensed in 2 states. 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 #1053592
Licensed 2 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 Mike + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Mike 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.
◆
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 Mike's expertise and AFN's full lending platform. When you're ready, Mike 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 Mike · NMLS #1053592
Hi, I'm Sophia — Mike'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
★ ★ ★ ★ ★
was awesome held my hand through the whole process explained everything to me answered my call every time treated me like I was family my experience with Mike and the team was amazing
Jennifer G.
Hudson, FL
★ ★ ★ ★ ★
was amazing. Very open communication prompt responses open to the whole process. Very helpful with walking through with getting the insurance set up for the house and next steps. It was a great overall experience Mike really is an asset. I would definitely refer multiple people to work with Mike in purchasing their home Thanks Mike for everything you did.
Ali Michelle D.
Mayo, FL
★ ★ ★ ★ ★
I am grateful to have a loan officer that made this transition (& dream) possible and run smoothly.
Jovianna Maytee C.
Port Richey, FL
★ ★ ★ ★ ★
Mike simply produced a miracle for our family. We had a few weeks to prep to buy our house, because our landlord suddenly decided to sell. He was phenomenal at negotiating with the seller, and we are just still in shock that we actually were able to pull this off. That guy needs 3 months of paid vacation and a 50% raise! We can't thank him enough for all he's done for us; working on weekends, working past office hours, just amazing and with us every step of the way. There's not many left like him in the world we just love him! Thank you AFN for giving this amazing opportunity to us. We can't thank you enough!
- The Kinsleys
Eric Ray K.
Dunedin, FL
★ ★ ★ ★ ★
Mike had a tough road ahead of him when he took me on as a client and he followed through every step of the way.
ROBERT M.
Holiday, 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
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