Core Values

THE CULTURE

Be Your Best

Turn problems into opportunities.
Ask the question - what else can I do better?
Ask for coaching - what can I do better?
Reject average and good enough.
Learn, correct, improve, and grow.
Measure your results.
Production oriented - am I bringing 10x value for the income I am receiving?

This Is a Team

Show Respect.
Show and express appreciation.
Engage as a team.
Think “how can WE can do better?” • Support others and allow others to support you.

Always Do What’s Right

Be accountable, see it through.
Have a plan, work the plan.
Treat others how you want to be treated.

FORWARD THINKING VALUES

Financial Freedom

Consciously building a burning desire for financial freedom, or by building a positive attitude around wealth and abundance, or anytime you stick to your financial plan, or anytime I invest in myself to increase my financial thermostat.

Care For Each Other

Anytime I give without expectation of receiving or putting the interest of someone else first.

Make Shit Happen

Anytime I act with urgency to get tasks done, or I have something important to do, or I find or create a solution, or I bring a new idea to the organization to help it prosper.

Positive Mental Attitude

Anytime I purposefully act with enthusiasm, or optimism, or positivity in team meetings, or in interactions with customers, or within the company.

Consistent Personal Growth

Anytime I invest in myself to enhance my skills, or openly seek out coaching, or accept feedback, or by reviewing my performance to improve.

BACKWARD THINKING VALUES

Consistent Laziness

Only if I were to consistently be lazy or avoid taking action for any reason with anything that is important or urgent within my role in the DirectMyLoan organization or acting with a sense of being unwilling to work, or use energy, or act with idleness instead of taking massive action with anything that is important or urgent and living the DirectMyLoan value system to my best ability and I correct and continue when I find myself off course.

Consistent Negativity and Bad Attitude

Only if I were to consistently act from a negative psychological and emotional state and blame others instead of remembering to move to and act from a positive psychological and emotional state and remember to take 100% responsibility for my own actions, circumstances, and results.

Consistent Drama or Gossip

Only if I were to consistently cause drama by overreacting or greatly exaggerating a problem or challenge, or gossiping about an DirectMyLoan team member for any reason instead of taking full responsibility for myself and my own actions and being the eye of the storm and remembering the DirectMyLoan value to contribute and that my purpose is to add value to other people’s lives.

Consistent Dishonesty and Lack of Authenticity

Only if I were to consistently and deliberately lie or exaggerate to anyone for any reason instead of acting with integrity and remembering to be authentic to myself and honest with others no matter how difficult the situation.

Consistent Entitlement

Only if I were to consistently act entitled and believe I am inherently deserving of privileges or special treatment instead of acting from a place of contribution and know that I deserve to be rich and receive only when I add value to other people’s lives.

Competitive Rates

Quick Approval

Personalized Support

Clients we’ve worked with

At DirectMyLoan, we pride ourselves on building strong relationships with our clients. Over the years, we've had the privilege of helping thousands of individuals and families achieve their dream of homeownership. Our clients appreciate our transparent process, personalized service, and commitment to finding the best loan solutions to fit their unique needs. Here’s what some of our satisfied clients have to say about their experience working with us.

SEE MORE TESTIMONIALS

Frequently Asked Questions

We know the mortgage process can feel complex. Here are answers to some of the most common questions our clients ask. If you still have questions, don’t hesitate to reach out!

How long does the mortgage approval process take?

○ Typically, the process takes 30-45 days, but it can vary depending on your circumstances.

○ Faster timelines may be possible with efficient document submission and pre-qualification.

What credit score do I need to qualify?

○ Most programs require a minimum score of 620, though FHA loans may accept scores as low as 580.

○ A higher score improves your chances of better rates and terms.

Can I get pre-approved for a loan?

○ Yes, pre-approval is available and helps you understand your budget before shopping for a home.

○ The process involves reviewing your credit, income, and financial documents.

What documents will I need to provide?

○ Commonly required documents include proof of income (pay stubs, W-2s), tax returns, and bank statements.

○ Additional paperwork may be requested based on your financial situation.

What are my options if I have a low down payment?

○ FHA loans allow as little as 3.5% down, and some conventional loans accept as low as 3%.

○ VA and USDA loans offer no down payment options for eligible borrowers.

American Financial Network, Inc.

10 Pointe Drive, Suite 330 Brea CA 92821

CORP NMLS# 237341; Equal Opportunity Employer; California BRE License # 01317581; Equal Opportunity Lender

A pre-approval does not constitute a loan commitment or guarantee of a loan. Pre-approval is subject to a satisfactory appraisal, satisfactory title search, and no meaningful change to borrower's financial condition.

CORP NMLS# 237341. American Financial Network, Inc. is licensed by the California Department of Financial Protection and Innovation under the California Financing Law License (6038771) and holds a CA Bureau of Real Estate, Real Estate Broker's License (01317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 237341. Broker is performing acts for which a license is required. Loans made or arranged pursuant to California Financing Law. Refer to www.nmlsconsumeraccess.org and input NMLS #237341 to see where American Financial Network, Inc. is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 92821; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. American Financial Network, Inc. is an Equal Housing Lender.