I worked with Francisco Perez and we just closed on refinancing our home. He was very friendly and helpful throughout the process. Making sure I understood everything and guided me through the process. They wrapped our 25k in debt into our mortgage and the payments weren't much more than what we were paying. We are happy with the outcome. I would recommend American Financing to anyone and if asked I will give them Francisco's information. Thank you Francisco and all at American Financing.