Are you ready to elevate your career?

ARE YOU READY TO

Matt Larson

Direct: 909-287-2630

National Sales Manager

mlarson@afncorp.com www.afncorp.com

02

Reshaping the MORTGAGE

INDUSTRY CUTTING EDGE TECHNOLOGY

ROBUST TRAINING

HIGH ENERGY CULTURE

COMMISSIONS PAID WEEKLY

BEST-IN-CLASS MARKETING OFFERING

LICENSED IN ALL 50 STATES

03

About Us When AFN was first founded by Jack and John Sherman in 2001, their goal was to create a modest, family run, regional lender to support the local California community.

As other lenders began growing beyond capacity along with the housing bubble, AFN remained small, focusing on manageable organic growth. After the market crash in 2007, we continued to be a strong presence in the mortgage industry, steadily expanding our licensing. By selecting the right partners, our growth has continued to be both steady and successful with AFN now licensed in all 50 states and the District of Columbia (DC) and funding over $13 Billion per year in markets across the country.

Unlike other companies, whose volume levels are tied to the interest rate environment, AFN’s volume is primarily tied to successful partnering with new branches in new markets. By starting small and growing organically organically—even through the housing bubble—in in just the past few years, we have more than tripled our number of employees.

04

AFN is one of the nation’s largest privately held mortgage companies with the resources to compete on a national level with the largest publicly held banks. Based in Brea, California and founded in 2001, AFN is an agency-direct lender with delegated authority to underwrite, fund, and service Fannie Mae, Freddie Mac, FHA, USDA, VA, and Jumbo loan products in-house. AFN has more than 200 branches supporting hundreds of Loan Officers across the nation.

AFN understands that our industry is built on relationships and strengthened through personal and professional loyalties. The AFN family is comprised of talented, loyal and committed individuals who truly support one another.

Our sales team knows they can trust in this family spirit. They trust that corporate will provide the leadership...

cutting edge technology and full range of products and services they need to reach their goals.

Growth & Expansion

Sales Focused Strategy

Licensed in 50 States + D.C.

AFN’s branching strategy reflects

AFN is licensed in all 50 states

all geographic markets in a

a

empowering

+ the District of Columbia. That

fluctuating, sometimes volatile

culture; one that rewards effective

means, with the proper state

secondary market requires a

leadership

the

licenses, you have the ability to

nimble team with a commitment

support your team needs. Our

originate loans across the nation!

to core values. Our values place

role is to simplify processes

Our dedicated licensing team is

strong emphasis on streamlined

and remove obstacles, allowing

here to assist you with obtaining

operations, a flat management

Branch Managers and their teams

and maintaining state licenses

model focused on production

to focus on building their business,

while preparing for a bright and

support, and a customer service

achieving

prosperous future with AFN.

approach designed to exceed

milestones,

expectations at every level.

the benefits of our collective

Sustained

growth

across

flexible

and and

provides

goals, and

surpassing enjoying

successes.

05

AFN is a continually evolving

mortgage lender that combines the platform, technology,

product offering and pricing of a large banker with the family atmosphere feel of a small lender. We nurture the entrepreneurial spirit in our branch managers and help them to meet their business aspirations. Their income is only capped by their motivation level.

Most of our executives came up through origination at one point, so we appreciate the importance of performing for our clients and referral partners. We deliver on service by utilizing a great team of operations personnel and a very efficient use of technology. We focus on eliminating redundancies, automating tasks and streamlining the movement of data to the many people that need to work on each file. We always have a pipeline of new improvements that will continue to set us apart from our competition. In an industry that has become increasingly commoditized over the years with less to differentiate competitors, our focus on support and service is what sets us apart.

John Sherman 06

| CHIEF EXECUTIVE OFFICER

Milestones 2001

2009

2012

AFN Founded by Jack Sherman in Chino Hills, CA

AFN Receives FHA Full Eagle

AFN Funds > $1B and is Licensed in 17 States

2013

2015

2017

AFN Becomes FNMA Seller/Servicer and Ginnie Mae Issuer

AFN Funds > $3B, Ranked Top 50 in the Nation and Licensed in Over 40 States

AFN Funds > $4B, Ranked one of America’s Fastest Growing Companies

2018

2019

2020

AFN Funds > $4.2B, Ranked Top Mortgage Employer

AFN Funds > $7.6B, Licensed in 50 States + Distict of Columbia

AFN Funds > $13.6B and Funded > $1B 9 Months In A Row

07

08

Our

CULTURE

We are a team of dynamic, visionary and opportunistic professionals that thrive on the utilization of teamwork and technology to outperform our competition. We are driven by a vision of being a market leader through creating the ultimate in customer service and being consistently better by always seeking new ways to improve.

CLIENT EXPERIENCE

EDUCATION

PEOPLE

HARD WORK

INTEGRITY

TECHNOLOGY

TEAMWORK

FUN

The customer’s experience is the end result of all of our efforts. AFN consistently strives to optimize the client experience, with intention of making each one a customer for life. Clients and referral partners are at the top of our org chart.

Whether it is our clients, our business partners or our employees, people are our priority. We are a family that takes care of one another.

We take pride in what we do. We treat others with dignity and respect.

We always hold ourselves to the highest standards and make our word our bond.

No one person can support our entire effort. We rely on one another as a synergistic group, where the whole is much greater than the sum of its parts.

Hard work alone will not ensure success.

We also strive to work smarter than the competition as our highly-skilled team consistently seeks and deploys t new and better ways to accomplish our goals.

To succeed in a highly competitive field, we know we must be willing to work harder than out peers. Our team is trained, responsive, and ready to work for you.

Great efficiencies and service levels are created through the use of technology.

This allows our people to build systems that work best for their branch.

It is said, “If you love what you do for a living, you will never have to work a day in your life.” We want to work hard, but never feel like it’s hard work.

09

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 pre-qualification, fully underwritten 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.

Speed. Scale. Simplicity.

It’s simply... the AFN way.

SPEED

SCALE

SIMPLICITY

We deliver uncomplicated

Our balance sheet and paperless

We believe in keeping things simple

and

underwriting,

processes provide tremendous

and straightforward. You won’t find

closings, and other services

scalability to meet your market

overcomplicated

to our branches..

demands.

timely

convoluted

Branch Relations Department

Purchase Prioritized Underwriting

Scenario Desk

Easy Closing/Funding

Typical 24-48 Hour Turn Times

Advance Wires

On Time, Every Time Closing

Decentralized Underwriting

40+ Investors

Paperless Process

Agency Direct

10

or

ALL THE TOOLS YOU NEED WITHOUT THE RED TAPE. AFN is a Fannie Mae and Freddie Mac Seller/Servicer, Ginnie Mae Issuer, USDA and VA LAPP approved. We have it all, from the basics to the hard to find.. AFN services include fully underwritten pre-approvals, extended rate locks for new construction and closings in as few as 21 days*.

In recognition that we can’t always be everything to everyone, we allow our Loan Originators to broker whenever

THE PRODUCTS YOU NEED TO GET THE BUSINESS YOU WANT. •

Asset-Based

•

FHA, VA, USDA

•

Non-QM

•

Construction-Perm

•

FHA 203k Rehab

•

Reverse

•

Delegated

•

Ginnie Mae Direct

•

State Bond Programs

Non-Conforming

•

Jumbo

•

Plus more!

Fannie Mae Direct

•

Manufactured Housing

•

*Limited to loan being ready for closing. Numerous factors outside of lender’s control may lengthen or cause significant delays to

11

Award Winning

MARKETING TEAM AT YOUR SERVICE The AFN Marketing Offering is one of the very best in the industry.

Our team of award-winning and seasoned Marketing, Creative and Social Media professionals are 100% focused on Branch Marketing Support. We are dedicated to providing our originators with the very best solutions and support possible.

Keeping referral relationships strong.

We provide our Loan Officers a 3-year

From promo to apparel, you’ll find it all

loyalty campaign on every closed

online at the AFN Store. We pre-stock

loan, free of charge. These automatic

many items for fast shipping and also

communications will keep you in touch

feature many choices. Event rentals can

with your customers in a fun, interesting,

be easily ordered as well.

and easy way.

12

Brand building made easy.

Individual websites for Loan Officers.

Every Loan Officer is provided a free website that is fully integrated with Encompass and features an easy way for borrowers to complete their applications online via AFN’s SNAP app.

Websites include full 1003.

All the Marketing Tools YOU NEED TO SUCCEED

In-House Marketing & Design Team

On-Demand Marketing Library

Company Paid CRM & Marketing Suite

You have the support of the AFN

The library features more than 1,000

The

marketing team! We offer custom

marketing pieces, from multi-media

Encompass and gives you access

creative development including idea-

campaigns to direct mail postcards.

to all your contact details, scenarios

storming, graphic design, copywriting

Each piece is customized for you and

and marketing history. You can

and compliance review.

is already compliance approved.

also manage/track leads within the

CRM

is

integrated

with

system, free of charge.

Social Media Library

Referral Parnter Marketing

Co-Branded Marketing

The AFN Social Media Library is

We know your Referral Sources are

At AFN, you’ll have access to on-

fully stocked with posts, videos and

the lifeblood of your business. AFN

demand

infographics to keep in touch with

Marketing provides turnkey solutions

materials, as well as co-marketing

your clients and referral partners on

that create opportunities to develop

systems that help you find top

social networks.

new and existing referral source

referral partners, earn their trust, and

relationships!

form lasting relationships.

co-brandable

marketing

13

Technology When it comes to technology, at AFN we pride ourselves on ease-of-use. Our job is to make the complicated simple, to always find the easiest path from point A to point B, to do it as quickly and as efficiently as possible, and to ensure our platform is highly scalable to support your growth.

You will have the high-tech automation you need to get the job done. From desktop to laptop to mobile, AFN’s web-based loan origination system and automated pricing engine are readily accessible, while our state-of-theart telecom system keeps your branch closely connected to corporate.

Encompass 360 Bankers Edition LOS

Fully Paperless Operations

NYLX – Pricing Engine Online.

Anytime, Anywhere!

Expense Reimbursement Smart Phone App Fully-Staffed IT Help Desk at Your Service!

Personalized Borrower Videos •

Customized For Your Borrowers

•

Loan Estimate Explanation Video

•

Personalized Borrower Loan Estimate, NOT a sample!

Command Center •

Command Center Connects all AFN

•

comp goal

Job Functions •

One system integration

•

Position specific dashboards

•

Performance metrics

•

Robust production reporting and

•

•

•

branch performance trends

•

14

Real time financials with loan and LO level profitability

spherical macro level perspective of

Market View: know your competition to vet your recruits

Goals and leaderboards

SNAP APP

Health Rings show daily, weekly work needed to hit comp goal

analytics engineered to give you a

•

Sales inputs desired annual

Borrower Web-based POS for

•

Verifies assets with eVerify

Easy Interaction

•

Inputs appraisal payment info

•

Initiates application

•

Works on any device including

•

Runs their own credit check

•

Uploads requested items

Mac and iOS •

SimpleNexus Available

Licensing At AFN, we know the more states you are licensed in, the more business you are able to close. But, with industry requirements, and ongoing changes to regulations to protect consumers, making sure your staff is fully trained, knowledgeable and authorized to sell can be a challenge. At AFN, we take licensing seriously.

We know that providing you with the support you need is crucial to your success and an important part of our expansion efforts.

You can count on us to: •

Assist Loan Officers with maintaining active

•

Provide discounted savings to NMLS approved

licenses, providing insight to license inquiries,

pre-licensing and continuing education vendors

and assistance with new license applications.

as well as state exam prep material.

Comprehesive 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

PAYROLL & RETIREMENT

•

Medical/Dental/Vision Insurance

•

Commissions Paid Weekly

•

Life Insurance

•

Automated Payroll

•

Disability Insurance

•

Direct Deposit

•

Flexible Spending Account

•

401K Plan & Match Program

•

Medical Out-of-Pocket Expense

15

NMLS# 237341. American Financial Network, Inc. is licensed by the California Department of Business Oversight under the California Financing Law License (6038771) and holds a CA Bureau of Real Estate, Real Estate Broker’s License (01317581) under 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 con-sumer 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.

Corp NMLS: 237341 | Equal Opportunity Employer | For Industry Professionals Only Corporate: 10 Pointe Dr, Suite 330, Brea, CA 92821