Paul Laterza · Branch Manager/Sr. 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 #28157224+ Years ExperienceLicensed in 1 State
36
Recent Loans Closed
24+
Years Experience
4.75★
Average Rating (51 reviews)
Paul Laterza
Branch Manager/Sr. Loan Officer · NMLS #281572
Direct(925) 639-1112
Emailplaterza@afncorp.com
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Paul, 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 #281572
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 Paul + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Paul follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
→
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.
◆
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 Paul's expertise and AFN's full lending platform. When you're ready, Paul 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 Paul · NMLS #281572
Hi, I'm Sophia — Paul'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
★ ★ ★ ★ ★
Estimado Paul Laterza,
Quiero expresar en nombre de mi familia y tu servidora , mi más sincero agradecimiento por hacer posible uno de los sueños más importantes de nuestras vida: convertirnos en propietari de hogar
Desde el primer día, demostró un profesionalismo excepcional, una gran dedicación y un compromiso genuino conmigo y con mi familia. Siempre estuvo disponible para responder mis preguntas, explicarme cada detalle del proceso y brindarme la confianza que necesitaba en cada etapa.
Lo que más valoro fue su honestidad, paciencia y la forma en que hizo que todo el proceso fuera mucho más sencillo y menos estresante. En todo momento me sentí respaldada, y su experiencia marcó una gran diferencia para lograr este importante objetivo.
Estoy profundamente agradecida y completamente satisfecha con el excelente servicio que recibí, lo recomendaré a cualquier persona que esté buscando un prestamista confiable, profesional y comprometido con ayudar a sus clientes a cumplir el sueño de tener su propia casa.
Muchas gracias por su dedicación, esfuerzo y por ayudarme a hacer realidad este gran sueño.
Con gratitud,
Yahaira
Yahaira Yezeli C.
Vallejo, CA
★ ★ ★ ★
The help and advice and overall communication with Paul and the team was great, they made it happen and I am very happy.
Victor D.
Vallejo, CA
★ ★ ★ ★ ★
Grasias Paul por su hayuda y por estar siempre atento en el proseso y ayudar haser el proseso mas rapido y buscar otras opsiones para seguir continuando
Manuel F.
Concord, CA
★ ★ ★ ★ ★
was always there to answer our questions.
Rodisela C.
Santa Ana, CA
★ ★ ★ ★ ★
I had a great experience working with Paul on my refinance. From start to finish, he made the entire process feel smooth, straightforward, and stress-free. He was always responsive, patient, and willing to explain each step clearly, which gave me a lot of confidence along the way.
Paul handled everything efficiently and kept things moving without any unnecessary delays. His professionalism and attention to detail really stood out, and it was clear he genuinely cared about making the experience as easy as possible for me.
I truly appreciate all his help and would highly recommend Paul to anyone looking for a hassle-free refinance experience.
Jon Michael C.
Vallejo, CA
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.
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