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Thank you SO-SO very much!! You have no idea what this means to everyone involved.


AFR Wholesale, a division of American Financial Resources, Inc. is a nationwide wholesale residential mortgage lender headquartered in Parsippany, NJ. We are a Ginnie Mae issuer, Fannie Mae and Freddie Mac Seller/Servicer, FHA Mortgagee, USDA National Lender and VA Automatic Lender. We currently serve thousands of mortgage brokers and lenders throughout this great country with their residential financing needs. In business since 1997, American Financial Resources, Inc. has grown to one of the largest wholesale lenders in the country.

2015-20 - Forms & Fees - November 25, 2015
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Daily Rate Sheets

Click above to get a copy of our latest rate sheet. Updated rate sheets are published daily. Click here for the Quick Pricer. Subscribe To Daily Rates Email - APOR Fixed / APOR Adjustable

Become a Lending Partner

Click above to submit your application to become an approved broker with AFR. (Wholesale Direct)

Click above for details on our complete program portfolio and guidelines.

Submit A Loan

Wholesale - Loan Center
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Current Approval / Conditions Turn Times

Government Conventional VA203(k)Delegated Correspondent (CDE)
Purchase Approvals 2 Days 2 Days 2 Days 2 Days Approvals 4 Days
Refinance Approvals 2 Days 2 Days 2 Days 2 Days Conditions 2 Days
Conditions 2 Days 2 Days 2 Days 2 Days

Current Closing Turn Times for Docs

*Purchase Docs *Refinance Docs *FHA OTC Docs *VA OTC Docs
3 Days 2 Days 5 Days 6 Days

Current Closing Turn Times for TRID files

*Purchase Docs *Refinance Docs *FHA OTC Docs *VA OTC Docs
4 Days 3 Days 6 Days 7 Days


  • The Turn time starts once the file is placed in submitted status
  • Turn Times = Business Days
  • All AFR loans are required to be reviewed by AFR's QC Department; this process will add at least 48 hours to the overall turn time after all conditions have been reviewed.
  • The above listed turn times do not include USDA – GRH loans.
  • Add 24 hours for all TRID submissions