Buying a home
can be overwhelming.

With our guidance, it doesn't have to be.

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Family First. Finances Second. 

We make sure that we understand the goals and objectives for every client versus pushing them into the largest home they can afford.
We help you through the AFS Buyer Experience with the products and services that meet your needs.

"I cannot tell you how thankful I am to you for making my American dream of homeownership come true. I’ll always be grateful."

Dovia T. 

"Thank you for all of your lender magic! I’m grateful for your teachings and attention to detail. I’m excited about our partnership."

Joyce A.

So Savvy Realty

"I didn't realize that I qualified for any home assistance grants but you understood my story, listened to my needs, and guided me through the entire process. Now I sit in my beautiful home and all I can say is thank you, thank you, thank you!"

Denise Jackson

Here's what you need to know...

Whether it’s your first or fifth time, buying a home can be an overwhelming process.
Knowing what to expect on your journey to home ownership makes the experience less stressful.
All Financial Services is here to guide you through the mortgage loan process.


Know what you want in a home. Narrow your search by price range, area, and size of home. What are your must haves and what can you live without?

Find your professionals

Real estate is always changing. Work with experienced real estate agents and mortgage professionals who will help guide you through the homebuying process.

Apply for a mortgage

Know how much home you can afford. Let All Financial Services help you find the right mortgage loan for you.

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Refinancing can offer you the opportunity to lower your monthly mortgage payment, pay off your mortgage faster, or receive cash in hand.

Ready to get started?

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Cash out

A cash-out refinance gives you cash in hand based on the equity in your home.


Trading your adjustable-rate mortgage for a fixed rate mortgage can mean more predictable monthly payments.


You can build home equity in one of two ways, with an increase in your property’s value or decrease your mortgage debt. Refinancing can speed up the building of equity.




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"My sister and I truly appreciate all the time and personalized services you provided in the handling of our project. We recognize that this is only possible with a unified teaching effort and your staff is the best. We will recommend All Financial Services to our circle of associates, friends, and family."

Betty S. and Lauretta B.

"You guys were the game changer for us. You made it happen even when we couldn't see it happening with all the challenges that were put before us. You helped us work through things that were not your responsibility. You facilitated all the players to make sure we had an on-time closing... it was a challenge, but I don't think we would have been in our home without you. I appreciate it and my wife also appreciates it."

Michael Rueben

"I was totally unaware of what to expect when starting this process. This was my first home and no one else in my family had purchased a home and I was feeling overwhelmed at the start of this process. But your guidance and knowledge calmed me and empowered me to grow through the process."

Arica Smith

"Your industry acumen and skillful dealings were an asset to the Edwards deal. We don’t know how we would have done this without you."

Lopez Marrero

"Thanking you and your staff isn't enough. I'm forever grateful for your expertise, patience, generosity, and kindness. Thanks again for making me a part of your family team."

Gail Thurston

First-Time Homebuying Guide

Download your 

Having a guide to help you through the homebuying process will ensure that you know where you are in the process and allows you to know what to expect.

A cash-out refinance is a type of mortgage refinance that takes advantage of the equity in your home and gives you cash in exchange for taking on a higher loan amount. In other words, with a cash-out refinance, you borrow more than you owe on your mortgage and pocket the difference.

Cash-out refinance is not a second mortgage, you pay off your old mortgage and replace it with your new mortgage.

For example, let’s say that you bought a home for $280,000 and you’ve paid off $80,000. You still owe $200,000 on your home, but you have $60,000 worth of medical bills that you want to payoff.

With a cash-out refinance, you can use the equity in your home to payoff all of those medical bills. By borrowing the $60,000 you need for medical bills, in addition to the $200,000 that you currently owe, your new mortgage will be $260,000 plus any applicable closing costs. Your lender gives you the $60,000 in cash a few days after closing.

By switching to a fixed rate loan, rates and payments remain constant. Monthly payments are predictable for the life of the loan. Stability makes budgeting easier.

There are certain cases, an ARM makes sense. It can offer a less expensive monthly payment to borrowers who don’t plan on staying in their home long term. It has lower rates and payments early in the loan term and allows borrowers to take advantage of falling rates without refinancing.

You can refinance to shorten the term of the mortgage. This offers two advantages: (1) you may build equity faster and (2) pay far less in total interest over the life of the loan.