Mortgage AF is led by Annia Fonseca — a licensed loan originator focused on straight answers, modern process, and the right fit for South Florida buyers and homeowners.
Buying or refinancing should not feel like decoding a foreign language. Mortgage AF was built to cut through noise — clear options, honest tradeoffs, and a process you can follow.
As a licensed mortgage broker (Mortgage AF LLC, NMLS #2260967), we shop programs across lenders rather than pushing a single in-house product. That means your scenario — purchase, refinance, condo, FHA, VA, or conventional — can be matched to fit, not forced into one box.
We primarily serve Miami-Dade, Broward, and Palm Beach counties. Whether you are a first-time buyer in a high-volume market or refinancing a home you already love, you get direct access to a licensed specialist — not a call-center script.
Multiple loan options compared for your goals, timeline, and property type.
South Florida markets, condo nuances, and practical first-time buyer paths.
What happens next, what documents matter, and when credit is pulled — explained upfront.
Mortgage AF is the corporate brand. Miami Mortgage Help is our consumer education / free-guide site — same licensed company.
Apply online, call direct, or send a question. We’ll meet you at your pace.
