Noelle Khalil · 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.

Apply NowSchedule a Call
NMLS #17847748+ Years ExperienceLicensed in 1 State
52
Recent Loans Closed
8+
Years Experience
4.85★
Average Rating (170 reviews)
Noelle Khalil — Branch Manager
Noelle Khalil
Branch Manager · NMLS #1784774
Direct(201) 403-7330
Emailnkhalil@afncorp.com
Meet Your Loan Officer

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

I started in this business to give a more personal touch than the norm when shopping for a mortgage loan, I go over in detail the steps to homeownership and educate my clients along the way on what the most beneficial program for them would be. Whether purchasing or refinancing a home, I work hard to ensure that my clients get the best loan program at the best rate, and the service that allows them to enjoy the experience of home ownership! Areas of Expertise: 1st Time Home Buyer Programs, LPMI Mortgages, Conventional, FHA/VA Mortgages, Jumbo Mortgages, New Construction, Renovation Loans, Mortgage Refinancing, Fix and flip programs. Additional languages spoken: Arabic, Spanish

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 #1784774
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
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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 Noelle + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Noelle 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.
◆
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 Noelle's expertise and AFN's full lending platform. When you're ready, Noelle 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 Noelle · NMLS #1784774
Hi, I'm Sophia — Noelle'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

★ ★ ★ ★ ★
My experience was great because of Noelle. She was extremely helpful, knowledgeable, patient, and reassuring throughout the entire process. She always took the time to explain everything clearly and made sure I understood what was happening. Even when there were challenges, Noelle stayed on top of everything and worked hard to find solutions. I truly appreciate her dedication, professionalism, and excellent customer service. She made what could have been a very stressful process feel much easier. Thank you, Noelle, for going above and beyond!
Helena C A.
Stewartsville, NJ
★ ★ ★ ★ ★
Best ppl and well done job!
William V.
Clifton, NJ
★ ★ ★ ★ ★
Noelle is amazing!
Danielle B.
Dunellen, NJ
★ ★ ★ ★ ★
Noelle and her team always went out of the way to go over and beyond for us . We used her the first time we bought and she was great so there was no question when it came time to buy again that we would only go to her!
Maximilian B.
Dunellen, NJ
★ ★ ★ ★ ★
Noelle was always available to answer any questions I had even during off hours. She was very patient with me as a new homeowner. She was always following up with me in all the task I had to complete during the whole process.
Kyle C.
Bound Brook, NJ
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.

Partner With Me
Get in Touch

Ready to get started?

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Noelle typically responds within 24 hours. No bots, just expert advice.