1
Broker, not banker
We work with multiple wholesale lenders, which means we shop your file rather than fitting it into one bank's product. One application, multiple lender options.
Funding Your Future.
A family-first mortgage brokerage based in Tampa. We work with multiple wholesale lenders to match each borrower with the loan that actually fits — across FL, GA, TX, PA, SC, AZ, WA.
Nearly $100M
Funded for our clients
200+
Families served
7
Licensed states
21–30 days
Typical close
Why borrowers choose AN Lending
Three reasons we win deals other brokers and bankers don't.
2
Family-first
That's how we run the brokerage — relationships first, transactions second. You'll work with the same point of contact from pre-approval through closing.
3
Full product range
Conventional, FHA, VA, Jumbo, DSCR, Fix-and-Flip, and Commercial. Whether you're buying your first home or scaling an investment portfolio, we have a loan that fits.
Our story
A family business, in the truest sense
Linh Ngo came to New York from Việt Nam in 1994, went through high school here, and graduated from St. John's University. Thao Bui came to New York as an international student. They married in 2010, moved to Tampa in 2012, and built AN Lending the same way they built their family — on trust, hard work, and showing up for people. Today Linh is the broker-owner, Thao is CEO — recently completing Harvard Business School Online's CORe program with high honors — and they're raising three boys in Tampa. When we say family-first, this is what we mean: you'll work with people who treat your loan like it's their own family's.
Full product range, under one roof
Whatever your situation, we have a loan that fits.
Loan Program
Conventional
The standard mortgage for buyers with solid credit and stable income.
Learn more →Loan Program
FHA
Government-backed loans for buyers with lower credit or smaller down payments.
Learn more →Loan Program
VA
Zero down, no monthly mortgage insurance — for those who served.
Learn more →Loan Program
Jumbo
Financing for loan amounts above the conforming limit.
Learn more →Loan Program
DSCR
The investor's loan — qualified on rental income, not personal tax returns.
Learn more →Loan Program
Fix-and-Flip
Short-term financing for buy, renovate, and resell investors.
Learn more →Loan Program
Commercial
Owner-occupied and investment commercial real estate financing.
Learn more →Estimate your monthly payment
Move the sliders to see your full monthly cost — principal, taxes, insurance, and more.
$400,000
20.0%
Amount
$
6.50%
Loan term
1.00%
Varies by location — adjust to your county or ZIP.
Estimated monthly payment
$2,473per month
- Principal & interest$2,02382%
- Property taxesest. 1.00%/yr$33313%
- Home insuranceest. 0.35%/yr$1175%
On a $320,000 loan · 30-yr · 6.50% rate
Get pre-approved →
Or call (813) 897-5555
Estimate only — not a loan offer, pre-qualification, or commitment to lend. Your actual payment depends on your rate, loan program, credit, taxes, insurance, and HOA dues. Taxes, insurance, and PMI shown are estimates.
How it works
Five steps from “let's talk” to keys in hand.
- 1Day 1–2
Consultation & Pre-Approval
- 2Day 1–2
Application & Documents
- 3Day 1
Loan Shopping & Rate Lock
- 4Day 2–7
Processing, Disclosures & Appraisal
- 5Day 10–30
Underwriting & Closing
Reviews
What our clients say
Verified reviews from Google.
Ready to start?
Get a real pre-approval in 24–48 hours. No obligation. No pressure. Just a clear answer on what you can afford.