AFI Financial Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores AFI Financial
AFI Financial doesn't appear in public mortgage records under its own name, so it doesn't have an Overall Rating. We still score its pricing on the same measures we use for every lender, so you can compare it fairly against your other options.
- Price competitiveness
How often this lender's borrowers got an interest rate at or below the median rate for similar loans.
5 out of 5 - Amount of overpayment
How much more this lender's borrowers paid than the lowest-cost mortgage offer for a similar borrower and loan, almost always found exclusively through Bankrate's auction.
5 out of 5 - —Customer complaints
no CFPB complaint on record
Not rated - —Where and what they lend
10+ Bankrate customers in 2 states; 100+ in 1. No public lending data for this company, so this stays a comparison point for you rather than a star.
Not rated
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
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What Bankrate's editors think
If a loan doesn’t close within 21 days, AFI Financial pays you $1,000 (restrictions apply) — a specific guarantee rather than a vague promise of speed. It’s licensed in five states (Colorado, Florida, Michigan, Texas and Virginia) with a fixed-rate, ARM, FHA and VA menu; jumbo and USDA aren’t offered.
AFI has carried an A+ BBB rating since 2003, though it isn’t accredited, and its pricing holds up: rates beat about 87% of comparable lenders, with extra costs lower than most of the brokers we track.
At a glance
Good for FHA, VA or standard fixed-rate borrowers in Colorado, Florida, Michigan, Texas or Virginia who want a guaranteed speedy closing. Not a good fit if you need a jumbo loan — that’s not part of its stated menu.
What consumers say
AFI Financial reviewers most often credit the loan officer with clear, thorough answers to their questions. A smaller but still sizable group also describes a team that responds quickly once contacted.
John was the best
We had a fantastic experience with AMI! They offered the lowest mortgage rates we could find, and their customer service was incredibly responsive throughout the entire process. They were also exceptionally flexible when we needed to move our closing date. I understand the hesitation some people might have about using an online mortgage company, but AMI exceeded our expectations. Even our real estate agent was so impressed that they'll be recommending AMI to future clients. Highly recommend!
Spencer O. · Parkland, Florida
David is an ABSOLUTE ROCKSTAR!
If it were not for David going out of his way to make sure this purchase went through, I would probably still be in the process of trying to purchase my home. David went entirely above and beyond the call of duty to secure the purchase. He was the only one looking out for me, he guided me through every hurdle and made sure I had all the proper information needed from start to finish. He took all my after-hours phone calls and made time for all my questions. I am incredibly grateful for his extraordinary dedication, patience, and expertise, which made homeownership possible for me. Thank You David!
Denise O. · Howell, Michigan
Great experience
John was great to work with. He was super responsive and got us the best rate around.
Joe · Michigan
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