Loan Officer Location
About Me
Loan Officer · NMLS 224969
As a licensed Loan Originator who is familiar with a variety of loan types and specialized programs, I am ready, willing, and able to help you find the mortgage product that may be right for you. Whether you are looking to purchase a personal residence, 2nd home, or investment property, or if you need to refinance an existing mortgage, I can help you find the product that suits your needs and circumstance. We offer Conventional, FHA, VA, USDA, Jumbo, and Specialty products, and I am prepared to help you find a loan that is right for you.
Prepare to walk an illuminated path on your journey with me as you are never left in the dark. I will regularly communicate status updates to you as your loan reaches certain milestones in the process. You have an entire team dedicated to carrying your loan from application, through processing and underwriting and over the finish line where your loan is finalized (closed) and funded.
If you ever have a concern or question, my team and I are a quick phone call or email away, and we always look forward to opportunities to communicate with you.
My Location
Fredericksburg VA 108 Westwood Office Park, Fredricksburg, VA 22401
Social Survey View
David Garofalo's
OVERALL RATING
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"I came into this..."
I came into this transaction with high hopes because Dave Garofalo has done several mortgages for us over the years and he is the best in the business! The way he and his former assistant, Angela, teamed up to make sure all the T’s were crossed and I’s dotted was second to none. Sadly, it is clear that the same dynamic does not exist now that Angela is gone and Dave is stuck dealing with the Woodbridge office. If I had to pinpoint one thing that was most lacking throughout our transaction, it would be communication. My point of contact at the Woodbridge office was Becca Skiles. She was very pleasant and professional. If I had to hazard a guess, though, I’d bet she’s so overtasked due to office understaffing that there’s no chance she could’ve possibly provided me with the kind of service I got when Dave and Angela were operating independently. The only time I heard from Becca was when she needed something. I found myself on numerous occasions thinking that the silence was deafening. I wondered time and time again whether things were on track or going off the rails. I can only refer to my experience as an airline pilot to draw a parallel example. The only thing passengers hate more than bad news is no news at all. For all intents and purposes, I got no news at all throughout this process until and unless something went awry with the process and Becca needed some other documentation to straighten it out. That did occur in the 11th hour as we were hoping (and praying) we’d be able to close as scheduled. The bottom line is that an occasional phone call simply reassuring me that things were moving along, plus or minus the occasional, understandable hiccup sure would’ve been nice!
Dale
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"Mr. Garofalo made..."
Mr. Garofalo made me feel like a part of the AFN family vice the feeling of just another customer. 10 out of 10 experience, I would definitely recommend him to friends and family.
Kerrisha
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"Dave and his team..."
Dave and his team were available on the weekend and odd hours of the day to answer critical questions during my refinance process.
Ezequiel
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American Financial Network, Inc. is providing the calculator tools above as a courtesy and results are estimates only. Please consult with a licensed American Financial Network, Inc. Loan Originator for more specific information and to discuss your individual needs and circumstances. Standard disclaimers apply.
Loan Program View
LOAN PROGRAMS
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Reverse MortgagesA reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don't make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.1 American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default. 1. https://www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/
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ConventionalIndustry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.
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FHAInsured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.
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VAJust for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.