Richard Yonis · 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 closing on time.
NMLS #20112084+ Years ExperienceLicensed in 6 States
23
Recent Loans Closed
4+
Years Experience
4.88★
Average Rating (17 reviews)
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Richard, a Loan Officer at American Financial Network licensed in 6 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 #2011208
Licensed 6 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 Richard + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Richard follows up personally
→
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 Richard's expertise and AFN's full lending platform. When you're ready, Richard 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 Richard · NMLS #2011208
Hi, I'm Sophia — Richard'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
★ ★ ★ ★ ★
Thank you so much for giving me this opportunity to rich my goal!
Elvira R.
Henderson, NV
★ ★ ★ ★ ★
I recently had the pleasure of working with AFN and their team, and I couldn’t be more impressed with the experience. From start to finish, they provided exceptional service and guidance throughout the entire mortgage process.
Richard Yonis took the time to thoroughly explain every step, ensuring I fully understood all my options and what to expect. They were incredibly patient, answering all my questions with clarity and professionalism. Their responsiveness was top-notch — whether it was via phone, email, or text, I always received a quick reply, and they were always available to address any concerns.
The whole process felt smooth and stress-free, and I truly felt like I had a knowledgeable, trustworthy partner in my corner. Thanks to their expertise and dedication, I secured a great rate and closed on time with no issues.
I highly recommend American Financial Network to anyone looking for a reliable, supportive, and professional mortgage lender. If you're looking for someone who will go above and beyond to make sure you’re taken care of, Mr. Yonis is the person you want!
Thank you again for your excellent service!
Miriam P.
Kissimmee, FL
★ ★ ★ ★ ★
Great communication, very knowledgeable!
Andrei B.
Dania Beach, FL
★ ★ ★ ★ ★
Richard has been very responsive and communicative throughout the whole process as someone going through this for the first time! Can't recommemd him enough and look forward to working together again in the future!
Silvia V.
Naples, FL
★ ★ ★ ★ ★
I had an excellent experience working with Richard Yonis from American Financial Network for my mortgage. From the start, the team was professional, responsive, and knowledgeable. Richard patiently explained every step of the process and answered all my questions, making what could be a stressful experience much more manageable. Their rates were competitive, and they were transparent about fees and costs. I especially appreciated how they kept me informed throughout the entire process, ensuring there were no surprises along the way. The entire process was smooth, and I felt confident I was in good hands. Highly recommend American Financial Network to anyone in the market for a mortgage!
Miriam P.
Kissimmee, FL
Tools
Payment Calculator
$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
$
%
$
%
No MI
$
%
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