Theresa Horne · 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 #19190123+ Years ExperienceLicensed in 1 State
84
Recent Loans Closed
23+
Years Experience
4.90★
Average Rating (30 reviews)
Theresa Horne — Branch Manager
Theresa Horne
Branch Manager · NMLS #191901
Direct(918) 964-0088
Emailthorne@afncorp.com
Meet Your Loan Officer

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

Meet Theresa, 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 #191901
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 Theresa + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Theresa 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 Theresa's expertise and AFN's full lending platform. When you're ready, Theresa 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 Theresa · NMLS #191901
Hi, I'm Sophia — Theresa'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

★ ★ ★ ★ ★
Theresa was always available to address my concerns. She was always pleasant and kind. I feel bad she has had to put up with me because I am so indecisive. Lol I appreciate her so much.
Leandra K.
Grove, OK
★ ★ ★ ★ ★
Theresa was absolutely amazing! She was with us each step of the way giving us advice and suggestions, while also allowing us to make our own decisions. She worked hard for us and stood up for us when we needed it. I would 100% recommend Theresa and AFN to any of my friends and family!
Candace Bronaugh
AFN Client
★ ★ ★ ★ ★
Was smooth and easy from start to finish! Thanks!
Heather B.
Grove, OK
★ ★ ★ ★ ★
If I hadn't known better, I would have guessed I was Theresa's only client. She was always very responsive and was able to explain any questions that I had. Even if she wasn't able to speak immediately, she would send me a message to let me know she would call me back shortly. She was a pleasant person to talk to, and made me feel welcome on a personal level. When we had an issue with an appraiser, I felt like she helped fight for what was right. It's always a bonus to know you have someone in your corner. I would 100% recommend Theresa to any of my friends and family!
Candace B.
Grove, OK
★ ★ ★ ★ ★
The personal help I recieved through this whole experience . Thank you for Theresa she was well beyond in all ways
Lisa M C.
Grove, OK
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.

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Get in Touch

Ready to get started?

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