Founded in 1999 by Damian and Gabie Maldonado, American Financing Corporation is a family-owned, direct mortgage lender headquartered in Denver, Colorado. The company positions itself as a national lender that handles the entire mortgage process in-house, from application to closing. They emphasize a customer-centric approach, utilizing salaried mortgage consultants rather than commission-based loan officers to provide unbiased advice. Their primary services focus on mortgage refinancing (including cash-out refinancing), loans for new home purchases (Conventional, FHA, VA), and reverse mortgages for seniors.