Built For What's Next - Join AFN with John D'Onoforio

T E C H N O L O G Y, F L E X I B I L I T Y, A N D SUPPORT TO GROW YOUR BUSINESS.

Built For What’s Next In Mortgage

Table of Contents Leadership & Vision Growth & Stability Accolades & Licensing The AFN Tech Stack Marketing, CRM & Website Advantage The Power of Social Media Lending Power Products Benefits & Coaching

“AFN is a continually evolving mortgage lender that combines the platform, technology, product offering, and pricing of a large bank with the family atmosphere feel of a small lender.

We nurture the entrepreneurial spirit in our branch managers and help them meet their business

JOHN SHERMAN CHIEF EXECUTIVE OFFICER

AMERICAN FINANCIAL NETWORK, INC.

aspirations. Their income is only capped by their motivation level.”

About AFN Founded in 2001 by Jack and John Sherman, AFN began as a family-run, regional lender focused on supporting local California communities. While others expanded rapidly during the housing bubble, AFN prioritized manageable, organic growth. After the 2007 market crash, the company remained a strong industry presence, steadily expanding licensing through the right partnerships.

Today, AFN is licensed in all 50 states and Washington, DC, operating a multi-billion-dollar mortgage platform nationwide. Unlike lenders tied closely to rate cycles, AFN’s growth is driven by successful branch partnerships—resulting in more than tripling its employee base in recent years.

Executive Leadership John Sherman

CHIEF EXECUTIVE OFFICER

Scott McGinley E V P, S E C O N D A RY M A R K E T I N G

John brings more than two decades of mortgage industry experience to AFN. His leadership has guided the company through sustained growth by continuously improving processes, products, and services, positioning AFN as a nationally recognized lender.

Scott oversees AFN’s secondary marketing strategy, product development, and pricing execution. With over 25 years of industry experience, he plays a key role in managing market risk and supporting loan officer competitiveness.

Twyla Hankins

Susie Sensenbach

C H I E F O P E R AT I N G O F F I C E R

E V P, H U M A N R E S O U R C E S

With over 40 years of industry experience, Twyla oversees AFN’s operational infrastructure, including processing, underwriting, funding, and post-closing. Her leadership ensures efficiency, consistency, and scalability across the organization.

Susie leads AFN’s human resources strategy, overseeing recruiting, onboarding, compliance, and employee development.

Her leadership supports AFN’s national expansion while maintaining a strong, people-first culture.

Gurpreet Kaur

John D’Onofrio

CHIEF FINANCIAL OFFICER

E V P, R E TA I L B R A N C H I N G

A licensed CPA with extensive corporate accounting experience, Gurpreet leads AFN’s financial strategy and oversight. She has played a key role in strengthening financial operations while supporting the company’s continued growth and stability.

John D’Onofrio brings over 20 years of experience in financial services and residential lending. He has played a key role in structuring and expanding successful retail branching platforms at AFN, helping drive significant production growth and establishing a strong national presence.

Andy Kalyviaris

Matthew Schultz

CHIEF COMPLIANCE OFFICER &

E V P, R E TA I L B R A N C H I N G

GENERAL COUNSEL

Matthew brings over 20 years of experience in the financial services and banking industry. He has played a key role in driving national growth, industry recognition, and record-setting production, helping position the company as a top-ranked independent mortgage lender with leading consumer satisfaction.

Andy leads AFN’s legal and compliance functions, supporting licensing, regulatory oversight, and marketing compliance nationwide. With deep industry experience, he helps ensure AFN operates with integrity and accountability across all markets.

Charles Coletta EVP INVESTMENT Charles brings more than 20 years of executive experience in banking, capital markets, and investment strategy. His background spans federal agencies, commercial banking, and private finance, supporting AFN’s long-term growth initiatives.

Proven Growth.

Built to Last.

2001

AFN founded.

2020

AFN breaks records.

AFN was founded in 2001 in

AFN broke funding records with $1B

Chino Hills, CA.

funded nine months in a row.

Now, AFN operates 180+

AFN is on track for continued

branches nationwide.

2015

AFN grows across the nation.

TODAY

Now expanding.

AFN is now expanding in various markets.

In 2015, AFN was ranked Top 50

Expanding our teams and our AI-

in the Nation and is licensed in 40

driven technology ecosystem.

States.

AFN continues to be a Top Mortgage Lender and now licensed in 50 states.

AFN’s growth is fueled by people and process — not volatility.

That stability allows us to continue investing in technology, automation, marketing, and support systems that directly impact branch profitability and loan officer success.

A Culture That Supports Ambition.

AFN is built for professionals who want support without micromanagement — and opportunity without ceilings.

•

Integrity in every interaction

•

Technology that empowers

•

Teamwork over silos

•

Hard work with purpose

•

Client experience first

•

Continuous education and

•

People before process

improvement

Recognized for Excellence Awards That Reflect Our Standard AFN’s growth and performance have been recognized across the mortgage industry for both production excellence and workplace culture. These honors reflect our commitment to operational strength, ethical lending, and building a platform where professionals can succeed long-term.

MEM Top 50 Mortgage Companies in America Scotsman Guide Top 100 Mortgage Lender Inc 5000 America’s Fastest Growing Companies NMP Top Mortgage Employer Scotsman Guide Top Workplaces MPA, MortgageBanker & NMPM Top Mortgage Employers We pay commissions weekly!

Yes, you read thatMost right,Loved weeky!

So, you will get paid the following Friday NMP Employers after a loan clsoes via direct deposit W2.

Newsweek Greatest Workplaces for Mental Wellbeing

Licensing That Supports Your Goals Nationwide Lending Footprint

180+ BRANCHES

At AFN, we understand that broader licensing creates more opportunity. That’s why we take licensing seriously—providing the training, oversight, and support needed to stay compliant while expanding your reach with confidence.

1K+ E M P LOY E E S

50

S TAT E L I C E N S E S

*American Financial Network, Inc. is licensed in 50 states + the District of Columbia and Puerto Rico. Not all originators or branches are licensed in every state. Licensing information for individual loan originators can be found by inputting the NMLS # listed below on www.nmlsconsumeraccess.org.

AFN Technology Stack

Built for Today.

Investing in What’s Next.

Our tech stack is fully integrated, AIpowered, and built to remove friction across the entire loan lifecycle — from first conversation to funding.

We’re not experimenting with AI. We’re all in.

By combining intelligent automation, real-time data, and purpose-built tools, AFN empowers Loan Officers, Realtors, and Consumers with faster answers, clearer guidance, and a more connected experience.

We’ve built AI agents for every role!

Brady | LO AI Assistant Real-time access to loan data, pipeline status, conditions, and key dates Instant underwriting guidelines, scenario desk support, and income calculations Upload documents directly into the LOS and initiate common tasks Access sales scripts, internal resources, benefits, and company knowledg

Sophia | Consumer AI Assistant Prequalify buyers and calculate estimated monthly payments Explain required documents, tasks, and next steps in plain language Provide loan status updates and estimated closing timelines Branded as the Loan Office ’s assistant with a dedicated phone number

Juliet | Realtor AI Assistant Prequalify buyers and calculate estimated monthly payments Explain required documents, tasks, and next steps in plain language Provide loan status updates and estimated closing timelines Branded as the Loan Office ’s assistant with a dedicated phone number

Technology That Works as One An AI-enhanced ecosystem designed to move loans faster.

Our tech stack connects every part of the mortgage journey, from first contact to clear-to-close - without friction.

Learn more about the AFN Tech Stack!

Vesta LOS

Built for Speed.

Designed for Scale.

Vesta is the modern loan origination system AFN is backed by — built to eliminate manual steps, reduce handoffs, and move loans faster from application to funding. It’s a browserbased platform designed for automation, clarity, and consistency at every stage of the process.

Why We Use Vesta Faster application-to-disclosure and application-to-funded timelines Automated workflows that reduce manual tasks and rewor Real-time task queues that keep loans moving forward Built to scale without adding operational complexity

The Advantage Vesta replaces legacy processes with a streamlined, predictable workflow — helping teams close faster, communicate better, and deliver a smoother experience for borrowers and partners.

Award-Winning Marketing Team At Your Service Our award-winning team of seasoned marketing, creative, and social media professionals are focused on Branch Marketing Support. We are dedicated to providing our originators with the very best solutions and support possible.

From the full library of on-demand marketing

materials

to

custom

advertising, the AFN Marketing team develops marketing to help branches and loan originators grow and succeed.

CREATIVE SERVICES

BORROWER SURVEYS

Custom Marketing Support

Amplify Client Reviews

Our in-house creative team provides

Automated borrower surveys are sent

custom marketing at no cost, including

after every closed loan, routing satisfied

ideation, copywriting, graphic design,

clients to leave public reviews. Reviews

and compliance review. From quick-

can post directly to your social media

turn assets to full campaigns, we help

and support a personalized landing

bring your ideas to life efficiently and on

page designed to build credibility and

brand.

improve search visibility.

TEAM AFN SHOP

MARKET & SALES INTELLIGENCE

Branded Materials On Demand

Data-Driven Marketing Tools

From apparel and promotional items to

Access industry-leading market and

business cards, signage, and brochures,

real estate data tools to support client

the Team AFN Shop makes it easy to

and referral partner conversations.

order professional, on-brand materials.

Branch

Choose from pre-stocked items for fast

marketing kits, social content, open

delivery or customize products to fit

house materials, and presentation tools

your local marketing needs.

at a preferred discounted rate.

subscriptions

include

full

AFN Exclusive CRM

ROCK CRM

The System That Keeps You Moving Forward At AFN, your CRM isn’t just a database — it’s the engine behind how you build relationships, stay visible, and grow consistently. Rock CRM is fully integrated into our technology ecosystem, giving loan officers and branch leaders a smarter, more connected way to manage contacts, conversations, and opportunities.

Rock CRM is part of AFN’s larger technology ecosystem — working seamlessly alongside pricing

tools,

automation,

marketing, and reporting. It’s not about adding more systems. It’s about creating one connected experience that supports growth at every level.

One Platform. Real Visibility.

Rock CRM connects directly with AFN’s loan and marketing systems, keeping data current and accessible from first contact through post-closing — without added admin work.

What this means for you: •

Fewer missed opportunities

•

Better organization without complexity

•

Stronger long-term relationships

•

Consistent follow-up that runs in the background

Smart Automation. Real Results.

Rock CRM works behind the scenes to analyze your database and automate nurturing and criteria-based campaigns using past loan data. It sends milestone notifications throughout the loan process and includes a free 3-year post-close loyalty campaign, with additional data-driven features coming.

Co-Branding Built In Rock CRM makes it easy to co-brand with Realtors and referral partners using approved templates.

Share compliant, on-brand marketing that supports joint business development while keeping you visible and aligned together.

Branch & Loan Officer Websites

Built to Represent You. Designed to Convert.

Your website is often the first impression borrowers and referral partners have of your business.

At AFN, every loan officer receives a customized website designed to reflect their personal brand while delivering a simple, intuitive experience for today’s digital borrower.

AFN websites are built specifically for mortgage, combining clean design with clear calls to action and seamless application integration. Each site is compliance-reviewed, mobile-friendly, and structured to guide visitors toward the next step — whether that’s starting an application or reaching out directly.

We handle the setup and support, so your website works quietly in the background while you focus on relationships and growth.

BUILT AROUND YOU

READY ON ANY DEVICE

Customization

Mobile Responsive

Our website platform is user-friendly

The practical mobile-responsive design

and customizable. Individual sites are

allows users to browse easily on a cell

tailored using personal photos, bios,

phone or other mobile device. Dynamic

and custom information, allowing you

menus, images, and fonts automatically

to make your site your own.

adjust to fit the screen

Stand Out In A Digital World PAGES THAT DRIVE ACTION

LOOKING AHEAD

Landing Pages

AI-Enhanced Websites

AFN landing pages are designed to

AFN is investing in AI-driven website

support targeted campaigns and guide

enhancements to make the mortgage

clients toward clear next steps —

experience more intuitive for clients

helping loan officers capture interest,

and more efficient for loan officers —

track engagement, and turn marketing

guiding next steps, reducing friction, and

efforts into real conversations.

supporting smoother conversations from start to close.

Get Social.

Stay Relevant.

Connect Consistently.

Our marketing team stays ahead of changing platforms and trends, offering support that helps you make the most of your social media activity while keeping your messaging aligned and compliant.

SOCIAL MEDIA LIBRARY

VIDEO EDITING SERVICE

A Library Built for Engagement

Create More. Stress Less.

The AFN Social Media Library is fully stocked

Whether

with ready-to-use posts, videos, and infographics

educational clips, or market insights, our team

designed to keep you connected with your

helps clean up, format, and prepare your videos

audience. From product updates to seasonal

for social media. You can focus on showing up

and lifestyle content, everything is created to

on camera and sharing your expertise — while

support visibility and relationship-building.

we help handle the rest behind the scenes.

SOCIAL MEDIA CONTENT

YOU HAVE A GUIDE

Weekly Content, Delivered

Support That Makes It Simple

AFN provides fresh content weekly, making it

With AFN, you don’t have to navigate social

easier to stay active and relevant on social media.

media alone. We provide the resources and

With consistent updates available, your pages

structure so your online presence stays

stay current without the pressure of daily

polished, professional, and working for you

content creation.

behind the scenes.

you’re

recording

short

updates,

Lending Excellence At AFN, we know that having the best products isn’t enough.

In order to close, you need support you can count on right from the start.

Nothing is more critical than a smooth transition. Our onboarding process will ensure you and your employees don’t miss a beat. Our fully staffed Scenario Desk provides the answers you need to place quality loans quickly. Your borrowers and referral partners will appreciate instant prequalifications, pre-approvals, and quick turn times. With so many products and programs, we want to make sure every loan that can get done gets done. By consistently combining sound lending practices with a can-do, on time, every time approach, together we can deliver a better lending experience.

We deliver uncomplicated and timely underwriting, closings, and other services to our branches.

Our balance sheet and paperless processes provide tremendous scalability to meet your market demands.

We believe in keeping things simple and straightforward.

You won’t find vercomplicated or convoluted processes.

Branch Relations Department Scenario Desk Typical 24-48 Hour Turn Times On-Time, Every Time Closing 40+ Investors Agency-Direct Purchase Prioritized Underwriting Easy Closing/Funding Advance Wires Decentralized Underwriting Paperless Process

Loan Programs Built for More Scenarios AFN offers a wide range of loan products designed to meet the needs of today’s borrowers and the professionals who serve them. From conventional and government loans to jumbo, non-QM, construction, and specialty programs, our product depth allows loan officers to find the right solution for more clients — without forcing one-size-fits-all answers.

AFN Product Overview Conventional (FNMA/FHLMC)

Jumbo

Fixed and ARM Options

Non-Agency AUS

Conventional

Jumbo

Construction-to-Perm

Jumbo Express

HomeStyle

Select QM / Select 90 QM

High Balance Conforming

Select AUS

Primary, Second Home & Investment

Choice QM

Purchase, Rate & Term, Cash-Out

FHA

Non-QM Bank Statement

Purchase

1099 Income Only Programs

Refinance & Streamlin

Asset Utilization Programs

FHA 203(k) Renovation Loans

Alternative Documentation (Alt-Doc)

FHA 203(H) Disaster Loans

One-Year Full Doc Options

Fixed and ARM Options

Debt Service Coverage Ratio (DSCR) Asset Utilization

VA

Individual Taxpayer Identification Number (ITIN) Purchase

Foreign National

VA IRRRL

Clean Slate

Fixed and ARM Options

Closed-End Seconds

USDA

Down Payment Assistance

Rural Housing

Chenoa Fund (Conventional & FHA)

Streamline

BOOST (FHA & USDA 100% financing

Streamline Refinanc

Arrive Home NHF Essex

Manufactured

Regional DPA Programs

Conventional FHA, VA, USDA Single-Wides Accepted

American Financial Network, Inc. is not acting on behalf of or at the direction of the Federal or State government, and this offer is not being made by an agency of the government.

Comprehensive Benefits Package We are dedicated to providing the highest level of customer service.

We offer a full benefits package to fit both your current and future needs. With our online benefits access, it’s as easy as 1-2-3 to manage all your AFN employee benefits.

Insurance •

Medical/Dental/Vision Insurance

•

Life Insurance

•

Disability Insurance

•

Flexible Spending Account

•

Medical Out-of-Pocket Expense

Payroll & Retirement •

Automated Payroll

•

Direct Deposit

•

401K Plan & Match Program

We pay commissions weekly!

Yes, you read that right, weekly! So, you will get paid the following Friday after a loan closes via direct deposit W2.

AFN offers coaching and mentorship programs for Mortgage Loan Originators, operations personnel, and support teams across Team AFN to grow their business to their full potential.

These programs are sponsored by AFN, at no cost to you.

Contact me today!

John D’Onofrio EVP, Retail Branching NJ: 500 Craig Road - Suite 202, Manalapan, NJ 07726 CA: 10 Pointe Drive - Suite 330, Brea, CA 92821

Mobile: 732-687-0871 | Direct: 732-953-7004 Jdonofrio@afncorp.com www.afncorp.com

For Industry Professionals Only | NMLS# 237341 | 10 Pointe Dr, Suite 330, Brea, CA 92821 | Equal Housing Lender | Equal Opportunity Employer American Financial Network, Inc. is licensed by the California Department of Financial Protection and Innovation under the California Financing Lenders Law License (6038771) and holds a California Department of Real Estate #01317581 under the Nationwide Mortgage Licensing System (NMLS), unique identifier of #237341. Broker is performing acts for which a license is required.

Loans made or arranged pursuant to California Financing Law. Refer to www.nmlsconsumeraccess.org and input NMLS #237341 to see where American Financial Network, Inc. is a licensed lender.

In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 92821; Phone: (714) 831-4000 (NMLS ID#237341).This information is intended to assist Real Estate Brokers, Agents, and other Industry Professionals, and is not an advertisement for consumer credit as defined in 12 CFR 1026.2(a)(2). This information is not intended for consumers and may not be duplicated or disseminated to the public.