Tom Reed · Branch Manager/Senior 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.

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NMLS #7034541+ Years ExperienceLicensed in 4 States
36
Recent Loans Closed
1+
Years Experience
4.53★
Average Rating (19 reviews)
Tom Reed
Branch Manager/Senior Loan Officer · NMLS #703454
Direct(703) 727-4478
Emailtreed@afncorp.com
Meet Your Loan Officer

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

Meet Tom, a Loan Officer at American Financial Network licensed in 4 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 #703454
Licensed 4 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 Tom + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Tom 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.
◆
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 Tom's expertise and AFN's full lending platform. When you're ready, Tom 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 Tom · NMLS #703454
Hi, I'm Sophia — Tom'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

★ ★ ★ ★
The people were great with communication
Lisa A F.
The Villages, FL
★ ★ ★ ★
Always available to take calls & answer questions & concerns .
John A D.
The Villages, FL
★ ★ ★ ★ ★
Tom was excellent and takes very good care of his customers.
Mark Philip H.
The Villages, FL
★ ★ ★ ★
We had some bad timing with our experience Tom was out of office/ it was a Friday when we reached out and the market took a wrong turn over that weekend. Even with that we feel like Tom communicated well especially after we asked for daily updates due to the rapidly changing market. we are happy with our experience
Hana Carol W.
Tallahassee, FL
★ ★ ★ ★
Response time to my questions were incredibly fast and things were explained clearly. Buying a home is very stressful and was put at ease with explanations of procedure.
Stella A P.
The Villages, FL
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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Tom typically responds within 24 hours. No bots, just expert advice.