First of all, let me start by saying I m a Realtor...

First of all, let me start by saying I m a Realtor in Ohio and have closed over a hundred real estate transactions with dozens of different banks and AFR was by far the worst experience I ve ever had, period. I regretfully used them through a broker in my local area to purchase a manufactured vacation home out of state, because my regular bank would not lend on this type of property. They missed deadlines, made me pay for the most expensive appraisal/application fee I ve ever seen and the employees were generally confused and incompetent throughout the whole process. Their communication amongst each other is terrible, and neither myself nor my mortgage broker could ever reach them when we needed an answer to a question. Because of their incompetence, mistakes and missed deadlines, I nearly lost the property I was buying due to the seller being fed up with waiting for our closing. Stay away at all costs!