Business Details
28 Years
experience
Your Trusted Mortgage Partner in Monroe, CT
AFC Mortgage Group has been a family-owned and operated mortgage lending company for over 25 years, dedicated to providing personalized solutions for first-time homebuyers, investors, and self-employed individuals. Founded in 1998 by Frank Ciambriello, we focus on making home loans accessible by eliminating industry barriers and offering transparent, client-centered services. Our team of licensed professionals operates in 17 states, with headquarters in Monroe, Connecticut, and a new location in Philadelphia, Pennsylvania. Over the past five years, Franks sons, Gaetano and Vito, have expanded our reach, introducing innovative strategies to support diverse financial needs.We specialize in conventional, FHA, VA, and specialized loan programs, including down payment assistance and refinancing options. Our streamlined in-house processing ensures efficiency, while our commitment to education empowers borrowers to make informed decisions. With a mission to foster homeownership and financial stability, we combine decades of experience with a responsive support system to simplify the mortgage journey. Our dedication to ethical practices and community-focused growth has solidified our reputation as a trusted partner in the mortgage industry.
Services
Conventional Loans
FHA Loans
VA Loans
Refinancing
Self-Employed Loans
Investor Programs
First-Time Buyer Assistance
Bank Statement Loans
Cash-Out Refinance
Conventional Rehab Loans
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of experience in mortgage lending with a personalized approach.
- Our full range of loan products includes specialized programs for unique financial situations.
- Quick pre-approval processes help buyers secure properties faster.
- We provide state-specific down payment assistance and credit-building strategies.
- Our team includes NMLS-licensed experts dedicated to transparent, client-focused service.
Services
Conventional Loans
Conventional loans are ideal for borrowers with strong credit histories seeking flexible terms. These mortgages, not government-backed, offer competitive rates through Fannie Mae or Freddie Mac. AFC Mortgage Group tailors fixed or adjustable-rate options to meet long-term financial goals while avoiding PMI with 20% down payments.
FHA Loans
FHA loans provide low down payments and flexible credit requirements for first-time buyers. Backed by the Federal Housing Administration, these programs enable homeownership with as little as 3.5% down. AFC Mortgage Group guides clients through FHA 203K rehab loans and state-specific assistance programs.
VA Loans
VA loans offer zero down payment and no PMI for eligible veterans and service members. AFC Mortgage Group assists with Certificate of Eligibility processing and competitive rates. These government-guaranteed loans include limits on closing costs and lifetime reuse benefits for military families.
Refinancing
Refinancing options help lower monthly payments, access home equity, or consolidate debt. AFC Mortgage Group offers cash-out refinances and conventional rehab loans for property improvements. Our team evaluates interest rates, equity, and financial priorities to optimize long-term savings.
Self-Employed Loans
Self-employed borrowers receive tailored solutions using tax documents and bank statements. AFC Mortgage Group specializes in verifying income through alternative documentation. We provide guidance on required materials and underwriting standards to secure financing for entrepreneurs and freelancers.
People
Frank Ciambriello
Managing Partner
Frank Ciambriello founded AFC Mortgage Group in 1998, leveraging nearly three decades of mortgage lending experience. Licensed in 11 states, he focuses on accessible financing solutions and ethical practices.
Gaetano Ciambriello
Loan Originator
Gaetano Ciambriello joined AFC Mortgage Group five years ago, expanding services for first-time buyers. Licensed in six states, he specializes in personalized loan strategies and client education.
Vito Ciambriello
Loan Originator
Vito Ciambriello brings expertise in real estate investment loans to AFC Mortgage Group. Licensed in five states, he focuses on innovative financing solutions for residential and commercial properties.
Lisa Sidella
Loan Originator
Lisa Sidella assists clients with Connecticut-specific programs, including CHFA and Time To Own loans. Licensed in CT and FL, she prioritizes first-time buyer education and down payment assistance.
Emily Michaud
Loan Originator
Emily Michaud specializes in streamlined mortgage processes for Connecticut residents. Licensed in CT, she focuses on first-time buyer programs and transparent communication throughout the loan journey.
Questions
Why should I choose AFC Mortgage Group?
AFC Mortgage Group offers personalized service with 25+ years of experience, specializing in conventional, FHA, VA, and investor loans across 17 states.
What loans do you offer?
We provide conventional, FHA, VA, refinancing, self-employed, and investor loans, plus down payment assistance programs tailored to your financial situation.
How does pre-approval help me buy a home?
Pre-approval clarifies your budget, strengthens offers, and speeds up closing by verifying your financial readiness to sellers and realtors.
What documents are needed to apply?
Typical requirements include paystubs, bank statements, W-2s, and tax documents. Our team guides you through specific needs for self-employed or unique cases.
Do you offer loans for first-time buyers?
Yes, we specialize in FHA loans, CHFA programs, and Time To Own assistance for first-time buyers with low down payments and credit challenges.
Can self-employed individuals qualify for loans?
Yes, we offer bank statement loans and tailored documentation processes for self-employed borrowers to verify income and secure financing.
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