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American Financial Resources Overview

Parsippany, NJ
201 to 500 employees
Company - Private
Unknown / Non-Applicable
Founded in 1997, American Financial Resources, Inc. (AFR) is a privately owned full-service residential mortgage company. Headquartered in Parsippany, NJ, AFR is one of the nation’s top direct and wholesale lenders.

We are a team of energetic and ... Read more

Mission: Our goal is to provide families across America with the information and resources necessary to achieve homeownership. We strive to exceed our customers’ expectations and provide an unparalleled experience — start to finish.

American Financial Resources – Why Work For Us?

By offering a host of niche lending products in addition to traditional first mortgages, AFR has grown into one of the country’s largest independently owned mortgage lenders.

In addition to being a Ginnie Mae, Fannie Mae, and Freddie Mac Seller/Servicer, FHA Mortgagee, USDA National Lender, and VA Automatic Lender, AFR has unrivalled experience in specialized programs such as renovation loans, manufactured home loans, and one-time close (OTC) options. As a matter of fact, AFR is the country’s #1 FHA 203k (renovation) lender for wholesale originations. 

All of which adds up to making AFR the perfect place for ambitious professionals to develop exciting and rewarding careers — imagine being able to sell loan products that truly separate you from the competition!

Through our two divisions, AFR Wholesale (B2B) and eLend (B2C), we service clients out of the following office locations:

  • Parsippany, NJ
  • Laurel, NJ
  • Scottsdale, AZ
  • Charlotte, NC

AFR is committed to providing consistent dedication and innovation to our clients and partners through sound leadership, unparalleled industry expertise, superior service, and good old-fashioned hard work.

  • eLEND is AFR’s direct-to-consumer division. eLEND empowers prospective homeowners to tap into the same experience and expertise enjoyed by our B2B partners for more than 20 years.

We strive to provide affordable home financing options to first-time buyers and existing homeowners. Our goal is to simplify the mortgage process, utilizing the latest technology while delivering educational resources that are easy to use and understand.

In addition to offering competitive rates and superior service, eLEND administers several specialty programs such as mobile/manufactured home loans and VA loans for active service members, veterans, and eligible surviving spouses.

eLEND offers a secure online portal with a host of tools and resources, as well as phone and live chat support.

Every year we sponsor and participate in several charitable events as we strive to enrich business and social environments throughout our footprint.

Whether helping to build homes with Habitat for Humanity, supporting military charities like Toys for Tots, or participating in local fundraising walks, AFR consistently looks for new ways to give back.

AFR Gives Back | Green Vision Inc.

AFR Gives Back | Habitat for Humanity Veteran Home Build

We Offer Opportunities Nationwide: AFR offers on-site and remote positions across the US.

We Will Train You: AFR’s Talent Management team offers a variety of training programs and courses designed both for entry-level candidates and existing mortgage professionals looking to advance their careers.

We Believe in Work-Life Balance: At AFR, we value the importance of family and a healthy work-life balance. So we offer the opportunity to work from home and the flexibility to balance your personal and professional obligations.

We Encourage Innovation and Creativity: Ingenuity is contagious. We encourage creative, innovative thinking and provide the work atmosphere, tools, and technology to model, test, and grow new ideas and processes.

We Support Career Development: We value dedication, hard work, and loyalty. We realize the importance of developing our employees and promoting from within.

We Are Privately Owned: Being privately owned enables our company to maintain a non-bureaucratic, entrepreneurial environment. We have an open-door policy with direct access to all levels of management.

We Offer Competitive Benefits: AFR’s benefit plan includes numerous options through United Healthcare — covering medical, dental, and vision care.

  • AFR offers eight paid holidays per year for all employees. Additionally, team members accrue paid time off, awarded each pay period, based on length of employment.
  • 401(k): Full-time employees are eligible to participate in our 401(k) plan, beginning six months from their date of hire.
  • Gym Reimbursement: Reimbursement of monthly gym membership fees is available for employees who accumulate at least 50 visits within a six-month period (with proper documentation) through one of our health insurance plans.
  • Employee Referral Program: Our employee referral program rewards team members who recommend an individual who is subsequently hired for either an exempt or a non-exempt position. The fee is paid to the employee three months from the referral’s date of hire.

Additional Perks: AFR believes that employee satisfaction is crucial to the success of our business. We are happy to offer casual Fridays, team building activities and contests, bagel Fridays, ice cream socials, summer barbeques, and holiday parties.

Are you an experienced home finance specialist who wants to work for an industry leader? Are you a recent college graduate looking to get into the mortgage business? Or are you a smart and driven professional looking to make a career change? If so, AFR wants to connect with you.

As an employer, we believe it is our responsibility to our team members to provide an environment conducive to professional growth and career advancement. We pride ourselves on the encouragement of individuality, creativity, and innovative thinking — all while fostering a family-first work-life balance. 

If this sounds like a place you’d like to work, we invite you to explore our career opportunities.

American Financial Resources Reviews

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Richard Dubnoff
40 Ratings
  • Featured Review

    "AFR is a family orientated company"

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee
    Positive Outlook
    Approves of CEO

    I have been working at American Financial Resources full-time (More than 3 years)


    I have been working at American Financial Resources full-time for several years and enjoy how the owners of the company do a lot of work and they understand rolling up their sleeves and jumping in.

    AFR is a family orientated company and understand the value of leveraging technology, training and balance of work life. The ability to work from home for some positions is a huge advantage and helps keep the balance in place. The management is always listening to us and good ideas are always considered. You are part of a team and it shows. The people make a difference every day, helping families and taking care of family is what it’s about and AFR gets an A+!


    Not really too many cons for AFR, the mortgage industry is a fast paced, always changing environment with peaks and valleys. We all know the roller coaster ride the mortgage industry can be. This can be stressful from time to time and when you blink it changes again.

    Advice to Management

    Continue to support your team and invest in them, they will continue the journey and the vision that came together 20+ years ago.

See All 74 Reviews

American Financial Resources Photos

American Financial Resources photo of: Putting Green Competition
American Financial Resources photo of: Our Juniors in our Charlotte office!
American Financial Resources photo of: AFR Corporate Headquarters
American Financial Resources photo of: AFR Scottsdale
American Financial Resources photo of: AFR Wholesale! Grand Opening of the Scottdale office 2016
American Financial Resources photo of: Welcome to our Charlotte, NC eLEND Crew!
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American Financial Resources Interviews



Getting an Interview

Getting an Interview




  1. Featured Interview


    Accepted Offer
    Positive Experience
    Easy Interview


    I applied through an employee referral. I interviewed at American Financial Resources in May 2017.


    The interview process was very easy. The first step was to talk to the recruiter over the phone to know more about the role and so she can get to know you and your interests in more detail. The next step was an in person interview with the recruiter and manager of the department you applied for.

    Interview Questions

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American Financial Resources Awards & Accolades

  • BBB Accredited (A+), BBB, 2015

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