About AFC Reverse Mortgage

Reverse Mortgages are our only business

At AFC Reverse Mortgage, helping Pennsylvania senior homeowners to locate cash in their homes through an FHA insured Home Equity Conversion Mortgage (HECM) is our only business and our experienced staff has processed and closed hundreds of FHA HECM loans since 2003. And we process and close our loans through our local office. That’s called in house processing and closing and it means you will experience the convenience of working with the same people in our local office from the initial meeting right through closing. Since we control the process, our loans close typically within three weeks after counseling. And we close in your home. At AFC you truly are a name not a number. AFC Reverse Mortgage. Local. Knowledgeable. Professional. Experienced. Convenient.

We will meet with anyone at any time to discuss a reverse mortgage and encourage our customers to include their friends, relatives and trusted advisors in any discussion with us. Our goal is that you fully understand the program, make an informed decision, and, should you decide to proceed, that there are no surprises at the closing.

John L Krajsa Jr, Esq., Principal, a former Marine Officer, is an attorney with a background in mortgage lending and estate planning. Mr. Krajsa has over 25 years of mortgage lending experience and has been working with  FHA loans since 1996 and with FHA HECM reverse mortgage loans since 2002.

JoEllen and John Krajsa Family

JoEllen, Judy, John, Mary and John

Tiffany Shutta, Processing Coordinator, has over eleven years of mortgage lending experience with FHA loans at AFC, including nearly four years with reverse mortgages.

• Loans processed in our local office using local title companies, appraisers, etc.
• Work with the same people from initial meeting through closing
• We charge no up front fees and no junk fees.
• Free In Home Consultation: We offer an initial meeting at a location and time chosen by our potential customer just to discuss reverse mortgages. 
• Our customers never have to leave their home. We go to them.
• Initial meeting in the home
• The loan is disclosed in the home
• FHA required counseling (no cost to homeowner) may be done over the phone
• The loan is closed in the home
• We attend the closing and will be there for you after the closing.
• Member of National Reverse Mortgage Lenders Association (NRMLA)
• Member of National Council on Aging
• Member of Aging in Place Council
• Member of Senior Lending Network
• Member of Greater Lehigh Valley Chamber of Commerce
• Member of  Lehigh Valley Military Affairs Council
• Call John Krajsa with your questions live Saturday mornings on "More Than Money,” WAEB 790 AM 

Licensed by Pennsylvanis Department of Banking as a Loan Correspondent. FHA approved Loan Correspondent Lender