EXHIBIT 5.1

                             OPINION OF LAW OFFICES
                              OF DAVIS & ASSOCIATES



November 1, 1996




Advanced Financial, Inc.
5425 Martindale
Shawnee, Kansas 66218

Re:      Advanced Financial, Inc.
         Registration Statement on Form S-8

Gentlemen:

We are  acting as special  counsel  for  Advanced  Financial,  Inc.,  a Delaware
corporation  (the  "Company"),  in connection  with the  registration  under the
Securities  Act of 1933,  as amended  (the  "Act"),  of the offering and sale of
500,000 shares of the Company's  common shares (the  "Shares"),  pursuant to two
consulting  services agreements (the "Contracts").  A Registration  Statement on
Form S-8 covering the Shares (the "Registration Statement") is being filed under
the Act with the Securities and Exchange Commission.

In rendering the opinions expressed herein, we have reviewed such matters of law
and  of  fact  as we  have  deemed  necessary,  have  examined  copies  of  such
agreements,  instruments,  documents and records as we have deemed relevant, and
have  obtained such written  representations  from  representatives  of both the
Company and the recipients of these shares, as we have deemed appropriate.

In rendering the opinions  expressed herein, we have assumed the genuineness and
authenticity of all documents examined by us and of all signatures thereon;  the
legal capacity of all natural persons  executing such documents;  the conformity
of original documents to all documents submitted to us as certified or conformed
copies or photocopies;  and the completeness and accuracy of the certificates of
and representation  letters examined by us. We have made no independent  factual
investigation with regard to any such matters.

It is our opinion that the Shares,  when issued and sold in accordance  with the
terms of the Contracts, will be legally issued, fully paid and nonassessable.


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Advanced Financial, Inc.
Page 2
November 1, 1996


We hereby  consent to the use of this opinion as an exhibit to the  Registration
Statement and to the reference to our firm therein.

Respectfully submitted,

Law Offices of Davis & Associates



By /S/  DONALD G. DAVIS
  -------------------------------
   Donald G. Davis


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