Established in 1997, American Financial Resources, Inc., AFR, is a nationwide residential mortgage lender based in Parsippany, NJ, serving thousands of small, medium, and large mortgage brokers, correspondent lenders, and credit unions with their financing needs. 

With diverse delivery options including FHA, VA, USDA, Fannie Mae and Freddie Mac, we offer an extensive program suite, eclectic channels of operations and cutting-edge technology.

With AFR, you have the freedom to choose the way you conduct business on a loan-level basis.

• Brokered lending channel with an On-Demand Processing optional enhancement 
• Correspondent Non-Delegated and Correspondent Delegated lending channels (flow or bulk)

We offer a wide selection of both niche and mainstream programs to suit today's borrowers.

FHA
• 203(b)
• 203(b) Repair Escrow
• 203(h) Mortgage Insurance for Disaster Victims
• Standard 203(k) Rehabilitation Mortgages
• Limited 203(k) Rehabilitation Mortgages
• Good Neighbor Next Door Program (GNND)
• One-Time Close Construction-to-Permanent
• Streamline Refinance
• $100 Down

VA 
• Fully Amortizing Fixed
• Interest Rate Reduction Refinance Loan (IRRRL)
• One-Time Close, Construction-to-Permanent

USDA 
• Guaranteed Rural Housing

Fannie Mae
• Fully Amortizing Fixed Rate and High Balance
• DU Refi Plus™
• HomeStyle®
• HomeReady™

Freddie Mac
• Fully Amortizing Fixed Rate and Super Conforming
• Relief Refinance Mortgage℠ - Open Access
• Texas Equity 50(a)(6)
• Home Possible and Home Possible Advantage

Specialty
• Manufactured Housing options available 

We strive to exceed our customers’ expectations, nurture healthy, profitable relationships, ultimately providing an unparalleled customer experience.

For AFR licensing information please see: http://www.nmlsconsumeraccess.org/ - NMLS# 2826 - 888-664-2101

https://www.afrwholesale.com/legal-licensing/

https://www.afrwholesale.com

Consulting

Venture Capital

AFR Wholesale

AFR Wholesale's headquarters in Parsippany, NJ, United States

Timothy Yanoti

Michael Yuskanich

Karen Latham

Joe Burns

The Account Management Team at AFR Wholesale is responsible for nurturing and managing relationships with mortgage brokers, correspondent lenders, and credit unions. The team ensures client satisfaction by providing tailored financial solutions, continuous support, and guidance throughout the loan process. They work closely with clients to understand their unique needs, offering an extensive suite of lending programs and leveraging AFR’s diverse delivery options and cutting-edge technology to exceed expectations.

Account Management Team

The Leadership Team at AFR Wholesale is responsible for setting the strategic direction of the company, ensuring financial stability, and driving growth. They oversee key operational areas including capital markets, mortgage servicing, corporate administration, and accounting. This team works collaboratively to nurture profitable relationships, innovate within the mortgage industry, and exceed customer expectations.

Leadership Team

The Loan Origination Team at AFR Wholesale specializes in processing and underwriting residential mortgage loans. This team is responsible for guiding clients through the loan application process, from initial application to final approval, ensuring compliance with various lending guidelines including FHA, VA, USDA, Fannie Mae, and Freddie Mac programs. They work closely with brokers, correspondent lenders, and credit unions to deliver tailored financing solutions, ultimately aiming to provide an exceptional customer experience through meticulous attention to detail and superior service.

Loan Origination Team

The Finance and Accounting team at AFR Wholesale manages the company's financial health by overseeing budgeting, financial planning, reporting, and analysis. They ensure compliance with regulatory requirements, handle financial audits, and provide strategic insights to support decision-making. Key responsibilities include managing cash flow, financial risk, accounts payable/receivable, and guiding corporate financial strategy to drive sustainable growth.

Finance and Accounting

The Mortgage Underwriting and Closing team at AFR Wholesale evaluates loan applications to ensure they meet the necessary guidelines and regulations for FHA, VA, USDA, Fannie Mae, and Freddie Mac programs. This team is responsible for underwriting construction loans, FHA loans, and ensuring the accurate and timely closing of wholesale mortgages. Through meticulous scrutiny and detailed processing, they support a seamless mortgage approval experience for brokers, lenders, and credit unions.

AFR Wholesale

Org chart

Teams

Account Management Team

Leadership Team

Loan Origination Team

Finance and Accounting

Mortgage Underwriting and Closing

Offices

AFR Wholesale

Org chart

Teams

Account Management Team

Leadership Team

Loan Origination Team

Finance and Accounting

Mortgage Underwriting and Closing

Offices

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