Dr. Vivian Smith-Del Toro

Dr. Vivian Smith-Del Toro, DBA, is the Co-Owner, Chief Executive Officer, Managing Broker, and a Licensed REALTOR® of American Financial Real Estate LLC, and a Licensed Mortgage Broker, Owner, and CEO of American Financial Loans LLC—collectively branded as AMERICAN FINANCIAL REAL ESTATE & LOANS, a premier, dual-capacity real estate and lending enterprise delivering a seamless, concierge-level experience for all their clients.

 

Alongside her husband and business partner, Andres Del Toro, President and Co-Owner of both companies, and Owner of Handy Andy’s Home Improvement, they have built a fully integrated platform that connects real estate, lending, and home improvement services—allowing clients to move through every stage of buying, selling, building, or investing with confidence and clarity.

 

Through AMERICAN FINANCIAL REAL ESTATE & LOANS, Dr. Vivian and her team serve a broad spectrum of clients across Residential Real Estate & Loans and Commercial Real Estate & Loans. Their services range from helping first-time homebuyers and families secure affordable housing, to supporting investors and business owners with strategic acquisitions and financing solutions. The company provides residential real estate and loan solutions ranging from $80,000 to $10 million, along with small business and commercial loan programs from $100,000 to $10 million, ensuring clients have access to the capital needed to grow, invest, and build long-term wealth.

 

The organization is licensed to provide residential real estate and mortgage services in Illinois, Indiana, and North Carolina, and offers commercial and investment lending solutions in 47 states, providing clients with both local expertise and national reach.

 

At the core of Dr. Vivian’s philosophy is a commitment to financial leadership and long-term relationships. She and her team believe in creating “clients for life” by delivering education, transparency, and strategic guidance—not just transactions. Their approach is centered on helping individuals, families, and businesses make informed decisions that support sustainable financial growth.

 

Dr. Vivian brings a strong foundation of executive leadership to her work. She holds a Doctorate in Business Administration and is the Founder of Global Executive Business Consultants, where she advises organizations on leadership development, operational excellence, and economic empowerment strategies.

 

She is also an active leader in her community and professional organizations. Dr. Vivian is a proud member of Sigma Gamma Rho Sorority, Inc., and serves on the Mainstreet REALTORS® Affiliate Board of Directors, contributing to advancing industry collaboration and professional excellence.

 

In recognition of their impact and commitment to business excellence and community development, AMERICAN FINANCIAL REAL ESTATE LLC and AMERICAN FINANCIAL LOANS LLC were honored as the 2026 South Suburban Small Business Association (SSSBA) Business of the Year Award winners.

 

Dr. Vivian’s work is driven by purpose, integrity, and results, empowering clients at every stage of their journey while building pathways to homeownership, business growth, and generational wealth.