Your VA home loan benefit is one of the most valuable benefits you’ve earned. Rafael Semidey helps veterans, active-duty service members, and military families understand how to use that benefit strategically—not just how to get a mortgage.
With more than 25 years of experience in the mortgage industry, Rafael is a Branch Manager and Mortgage Loan Officer with American Financial Network. He specializes in VA financing and provides hands-on guidance from the first conversation through closing.
Rafael understands that military homebuyers often face unique circumstances—from PCS moves and tight timelines to navigating VA eligibility, entitlement, appraisal requirements, and zero-down financing options. His approach is simple: explain the process clearly, identify the best available financing strategy, and keep every step moving efficiently.
Clients working with Rafael can expect:
• VA loan expertise
• Fast pre-approvals
• Clear, responsive communication
• The ability to move quickly toward closing
• Free mortgage consultations
• Guidance from pre-approval through closing
• Service in English and Spanish
Rafael currently serves homebuyers in Virginia, Maryland, Washington D.C., West Virginia, North Carolina, Delaware, Pennsylvania, and Kentucky.
Whether you are using your VA benefit for the first time, purchasing your next home, relocating, or exploring your financing options, Rafael and his team are ready to help you understand your benefits, evaluate your options, and move forward with confidence.
You served. You earned the benefit. Let Rafael help you make the most of it—and find your way home.
Rafael Semidey
NMLS #2397595
Licensed 6 States
AFN NMLS #237341

FINANCE

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