Nick Gallicchio · Divisional 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 #18772423+ Years ExperienceLicensed in 10 States
962
Recent Loans Closed
23+
Years Experience
4.17★
Average Rating (1645 reviews)
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Nick, a Loan Officer at American Financial Network licensed in 10 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 #187724
Licensed 10 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 Nick + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Nick 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 Nick's expertise and AFN's full lending platform. When you're ready, Nick 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 Nick · NMLS #187724
Hi, I'm Sophia — Nick'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
★ ★ ★ ★
Keeping us informed
Very pleasant
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Melinda S.
Frederick, MD
★ ★ ★ ★ ★
everything explain well and the process online made it easy to work
Ernnieshia B.
Sacramento, CA
★ ★ ★ ★ ★
AFN did a wonderful job helping navigate the loan process. Everyone was proactive and always responded quickly to questions . Great Job Thanks
Shane S.
Frederick, MD
★ ★ ★ ★ ★
Dear AFN Mortgage Team,
A heartfelt thank you to everyone who helped make the successful closing of my mortgage last week possible. Reaching the finish line was a wonderful feeling, and having such a dedicated team along the way made the experience even more meaningful.
Troy, thank you for being so professional, efficient, and dependable throughout the entire process. There was always a sense that things were in good hands. Brooke, thank you for being so responsive, attentive, and quick to keep everything moving forward. Your communication and dedication made the entire experience much smoother and far less stressful.
What makes this experience especially meaningful is that just a couple of months ago, things did not work out with another mortgage company. While disappointing at the time, looking back now, it truly feels like everything happened for a reason. Had that experience worked out, the opportunity to work with Troy, Brooke, and the wonderful team at AFN Mortgage may never have come along.
Sometimes what initially feels like a setback turns out to be a blessing in disguise, and in this case, things truly worked out for the best.
Thank you again for your hard work, patience, professionalism, and commitment throughout this journey. What had previously been a frustrating experience was turned into a positive and successful one and having such a great team helping me reach the finish line is something I genuinely appreciate.
Kind regards,
Rod
Roderick S.
Baldwin, NY
★ ★ ★ ★ ★
These guys stayed in the fight even when I thought it was too much they kept pushing back and got us what we desired . They are very persistent and will make sure the house is yours
Christopher Jarelle S.
Grand Prairie, TX
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.
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