Building AFC Mortgage Group (2801) | Second generation and run it with my brother! | Bridge Lender | Student Rental Investor 🇺🇸
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Joined December 2020
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The sign went up today. Post Road, downtown Fairfield.
We're opening a new office, and the sales team is moving down to it. Monroe stays exactly where it is — that isn't going anywhere. But we wanted the sales floor somewhere with more happening around it.
More foot traffic. More walk-ins. Somebody can stop in off Post Road, ask what they came to ask, and get an answer while they're standing there. That's the whole idea.
And it puts us back where we started. Fairfield Prep is a few minutes up the road. Coming back down here to open a door with our name on it means so much.
Inside is still a construction site — framing's up, plumbing and electrical are roughed in, sprinklers go in next week. But you can walk it now and see the rooms instead of imagining them.
Give it a few weeks. Then come find us on Post Road. We can't wait to see you at the Grand Opening!
AFC Mortgage Group | NMLS #2801 | Equal Housing Lender
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A lot of good loan officers got bad news this month.
Layoffs are hitting retail shops, big servicers, even the agencies. If you're one of them, I'm sorry. It's not a reflection of your work.
But here's what I'd tell you over coffee: the box you were selling from was too small.
When a borrower didn't fit the agency guidelines, you had to say no. No traditional income. Limited liquidity. A credit hiccup. A deal that makes sense but doesn't fit.
At AFC we don't have to say no to those people. We do conventional, and we also have our own bridge and private lending. We started it in May 2025 and we've doubled it in a year.
We just opened a new sales office on Post Road in downtown Fairfield, and we're building the team there.
If you're a licensed CT loan officer and you want more ways to get to yes, my DMs are open. Let's grab a coffee.
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To every veteran - thank you.
You gave us the freedom to build something. We don't take it for granted.
Happy Veterans Day 🇺🇸
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More than 140 people are coming to get their Christmas trees with us.
It's our Client Appreciation Day. Last year we invited our past clients and referral partners up to Hickory Hill Orchards in Cheshire. This year we're doing it again: Saturday, November 28. Fifty families have signed up so far.
Every family goes home with a free Christmas tree or wreath. Bagels, coffee, hot chocolate. Family photos by the trees.
No presentation. No rate sheet. Nobody gets pitched.
Here's what I've learned in this business: the closing is one day. The relationship is every year after it.
Most lenders send a calendar. We'd rather hand you a tree.
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CT first-time buyers: CHFA's Time to Own down payment assistance still had $10.65M open as of Nov 9.
Up to $25K at 0%, with 10% forgiven each year. You need a CHFA first mortgage and 3 years of CT residency.
When it's gone, it's gone. Ask your lender about it now.
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$32 MILLION in production. Nearly DOUBLE last year.
What’s Nick Landell doing differently?
The simple things. Consistently.
Calling referral partners. Staying in front of past clients. Following up with current clients. Building relationships.
But here’s what I think makes the biggest difference: He’s surrounded by a team that allows him to focus on what actually grows his business.
At AFC Mortgage Group, we’re investing heavily in three areas:
1. Operational Support: Dedicated loan partners and a strong operations team to keep our originators out of files and in front of clients.
2. Marketing Support: Video content, social media, and marketing resources to help our loan officers build their brands and generate more opportunities.
3. Product Advantage: Our growing bridge lending platform, backed by our own capital, is creating opportunities that traditional mortgage products can’t. Nearly 20% of Nick’s production this year has come from bridge loans.
We’ve also just opened our new office in downtown Fairfield, and we’re continuing to invest in the people, products, and infrastructure that help our team win.
Nick is doing the work. Our job is to give him every advantage possible.
And we’re just getting started.
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Her bridge loan was paid off on a Wednesday. Her new mortgage closed the same day.
Susan in Watertown bought her next house before she sold the one she was living in. When the old house sold, the sale paid the bridge down, and what was left rolled into a regular mortgage on the new house.
About ten weeks from start to finish. Two houses. One move.
I said it on a call with a buyer last week, and I'll say it again here: "I do not want to give you a bridge loan and not get you out of it. That's always our number one focus with clients, making sure there's an exit plan in place, because that's how we approve you for the bridge loan."
Here's a little secret about this business: the bridge is the easy part. The exit is the plan.
Before you take one, ask your lender one question. What pays this loan off, and when?
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Sent our whole team one question this morning:
"What's blocking you right now?"
Files rarely stall on the big problems. They stall on the small ones nobody said out loud.
Ask early. Clear it fast.
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BREAKING: AFC Mortgage Group now has two undefeated professional runners.
Trevor and Vito made history at the Colony 5K this morning, crossing the finish line in a dead heat.
Neither has agreed to a rematch. Both are reportedly considering retirement at the top of their game.
Back to mortgages on Monday.
🤖 Made with AI
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What happens when you find the perfect property to buy, but selling your current one right now could cost you thousands?
We just had a client reach out who found an investment property she really wants to purchase.
The problem?
Her current property has a tenant living in it, and she knows she could potentially get a much better price if she waits until the tenant moves out before listing it.
But she doesn’t want to miss out on the new property while she’s waiting.
Our solution? A bridge loan.
We can help her purchase the new property now, without forcing her to sell the existing one before she’s ready.
She can move quickly, make a competitive offer, and sell her current property when it makes the most financial sense.
Why sacrifice equity in one property just to buy another?
That’s exactly the problem our bridge loan program is designed to solve.
If you’ve found a property you want to buy but aren’t ready to sell your current one, let’s talk.
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Vito and I were invited to the Sacred Heart University Horizons Gala last night. Really great event supporting an even better cause. Grateful we got to be part of it.
We ended up bidding on (and winning) a private movie night at the Sacred Heart University Theatre in downtown Fairfield. We get the entire theater to ourselves for a night and can pick whatever movie we want.
Naturally, our first thought was to put on Goodfellas and invite all our friends. 🤣
Then we figured maybe we should do something a little more family-friendly and invite our AFC Mortgage Group clients, friends, and families instead.
Although I’m sure there are plenty of parents who would rather leave the kids home for a night and watch Goodfellas.
Help us decide:
1. Goodfellas — Adults-only movie night.
2. Family Movie Night — Bring the kids.
3. Write-In Vote — Suggest a movie in the comments.
Either way, excited to bring some people together in downtown Fairfield for a fun night.
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Her husband's lender told them they could do a bridge loan. They couldn't. The lender didn't offer one.
They'd already found the next house, with a closing set for December 1, and their current home wasn't sold.
She called Nick. He spent 50 minutes laying out a real plan: borrow against the house they own, close on the new one, sell the old one, then move into a regular 30-year mortgage. In his words: "We wanna make sure there's a clean exit strategy out of the bridge loan."
Then the inspection on the new house came back, and they walked away. For them, that was the right call.
Here's a little secret about this business: plenty of lenders say "we can do that" on the first call. Fewer can show you the terms.
If your plan depends on a bridge loan, get it in writing before you write the offer. The product, the exit, and who actually funds it.
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Three people last week told us the same thing: an AI sent them.
A realtor in Guilford said she got my number from ChatGPT. A buyer looking at a bridge loan found us the same way. A lead in Massachusetts told Brendan, "I went to one of those AI things, and it came up."
Nobody clicked an ad. Nobody saw a billboard.
Here's what I've learned: these tools don't recommend the loudest company. They recommend the one that explained the thing clearly, in public, over and over.
So we keep answering the questions our clients ask us on the phone, out loud, where anyone can find them.
That's not marketing. That's showing your work.
If you run a business, write down the ten questions your customers ask most. Answer every one in public. Then do it again next month.
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Same day, two of our loan officers talked clients out of the bigger loan.
Trevor was working with a buyer in Connecticut who had her mind set on a bridge for the full price of her next house. He showed her a second option: a smaller bridge that covers just the down payment.
Her answer: "I think that's the better option of the two."
Nick was on the phone with a buyer moving to Vermont who's selling two properties. He ran her numbers live and laid out two structures side by side. She played it back to him: one was cheaper, the other was easier.
Then the choice was hers.
Here's a little secret about this business: the biggest loan is rarely the best one. It's just the easiest one to sell.
Show people two real options in dollars and let them pick.
They usually pick right.
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The deed came back describing a different lot, in a different town.
A client had just closed on her new house with a bridge loan. Before the deed was recorded, it came back to us for review. The legal description, the paragraph that says exactly which piece of land you own, pointed to someone else's lot.
Most people never read that paragraph. Most people assume somebody else did.
My answer was simple: "We are not accepting the deed as is."
A corrected deed was ordered before anything went on record. She's moved in, and her next step is listing her old house.
Here's what I've learned: the closing isn't the finish line. The recording is.
Ask to see the legal description on your deed. It takes two minutes to read.
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Gaetano Ciambriello retweeted
Only taxpayers should be allowed to vote.
Anyone on welfare benefits should forfeit their right to vote until they are off of government assistance.
Gaetano Ciambriello retweeted
This is what the beginning of the surveillance state looks like in America
Americans in Connecticut received a bill for additional taxes on their car because cameras spotted it in a different city
A private company called Municipal Tax Service (MTS) is hired by cities to drive around and use automatic license plate readers on cars parked in different cities
It then makes connections if that car lives in that area and sends the owner a bill for new taxes on that vehicle for being in the city
The owner of this vehicle says she doesn’t live in that city, provided proof and says her car was only in a different city because her kid drives there for school
MTS didn’t care and said that the proof didn’t matter and they had to pay it. They appealed to the city, the city said they had to deal with MTS
But here’s the problem, MTS gets paid 38% commission on tax revenue they recover + $50 per vehicle billed to the owner. They made $9 million in commission in just one year from sending people additional tax bills
So this company has no incentive to ever help you and just deny you, which they did
Only after the mainstream media got involved would the city drop this one new tax bill which was false to begin with
In America we now literally have private companies driving around scamming our license plates to tax us more money
This is insanity and it needs to end
He paid off his bridge loan fifteen days after we funded it.
John wanted to buy his next house in Manchester before his current one sold. The usual advice is to sell first, or to write an offer that says you have to.
We funded his bridge on October 8. He bought the new house first. Then he sold the old one, and on October 23 he paid the bridge off in full.
On a call with Trevor along the way, his description of the whole thing was three words: "It was easy."
Here's a little secret about this business: a bridge loan isn't supposed to stick around. It's supposed to get you from one house to the next without asking a seller to wait on you.
The best bridge is the one you barely remember having.
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AFC’s cash offer program is turning clients into cash offers using our cash.
You do not have to sell your home first, and you do not need to use your own cash, especially if you do not have it.
Could your home equity help fund your next move? Selling in Westbrook, Old Saybrook, Clinton, Madison or Guilford could mean a smaller mortgage, or buying with cash. DM me “EQUITY” for a personalized home value assessment. #CTRealEstate #CTShoreline
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Your business, in its best light.
AFC Media Group: films, podcasts and photography for local businesses and real estate agents, New York to Boston.
See the work: afcmediagroup.com
ALT AFC Media Group logo with the line: Your business, in its best light.
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We did almost as much bridge lending in September as regular mortgages.
A couple of years ago I wouldn't have believed that sentence.
September: 12 traditional loans, $4,996,200. 9 bridge loans, $4,570,000.
Here's what I'm seeing. The buyer shopping on monthly payment backs off when rates move. The buyer who already owns a house doesn't have that luxury. They still need to move. They just can't wait for the old house to sell before they buy the next one.
That buyer isn't rate sensitive. They're timing sensitive.
Buy before you sell. Move once. Sell an empty house on your own schedule.
Most lenders built their business around the first buyer. The second one is the one calling us right now.
If your next move is stuck behind the house you live in, the rate isn't your problem. The order is.
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