Tim Miller · Regional 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.

Apply NowSchedule a Call
NMLS #1325107+ Years ExperienceLicensed in 5 States
138
Recent Loans Closed
7+
Years Experience
4.88★
Average Rating (473 reviews)
Tim Miller
Regional Branch Manager · NMLS #132510
Direct(609) 352-5367
EmailTMiller@afncorp.com
Meet Your Loan Officer

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

Meet Tim, a Loan Officer at American Financial Network licensed in 5 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 #132510
Licensed 5 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 Tim + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Tim 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.

◆
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.
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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 Tim's expertise and AFN's full lending platform. When you're ready, Tim 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 Tim · NMLS #132510
Hi, I'm Sophia — Tim'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

★ ★ ★ ★ ★
Tim and Tim jr were great to work with patient knowledge and were always available if I need to talk to them. They made my first time home-buying experience smooth and I just felt like they really cared and wanted to make sure I met my goal of being a homeowner. And I want to thank you both again. #teammiller y’all are the best.
Kaleena Faison
AFN Client
★ ★ ★ ★ ★
We honestly can't thank Tim enough for everything he did throughout my mom and I home-buying journey. As a first-time homebuyer, we had so many questions and worries, but Tim was there every step of the way. He always took the time to explain everything clearly, never made us feel like our questions were too much, and kept us updated throughout the entire process. Thanks to Tim, we were able to purchase our first home, and we couldn't be more grateful. If you're looking for a mortgage lender who is knowledgeable, trustworthy, responsive, and genuinely cares about his clients, We highly recommend Tim, and we will always be thankful for his guidance and support.
Kaleena D F.
Philadelphia, PA
★ ★ ★ ★ ★
Tim has worked with me several times over the years. It's always a great experience. Thanks Tim!
Justin W.
Pennsville, NJ
★ ★ ★ ★ ★
Tim looks out for what's best you. the only one I'll evet use!
Noelle P.
Sewell, NJ
★ ★ ★ ★ ★
Tim- always has a way of finding creative solutions to porblems and helping clients feel secure throughout this process
Kristy Lynn E.
Philadelphia, PA
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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Tim typically responds within 24 hours. No bots, just expert advice.