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!
Brian Eller Regional Manager NMLS #368735
Cell: 703-856-4112 Office: 703-889-8884 BEller@afncorp.com
3302 Old Bridge Road Suite A, Woodbridge. VA 22192 For Industry Professionals Only | NMLS# 237341 | 10 Pointe Dr, Suite 330, Brea, CA 92821 | Equal Housing Lender | Equal Opportunity Employer Branch NMLS# 1697215 American Financial Network, Inc. is licensed by the Virginia State Corporation Commission (Lender and/or Broker License # MC-5704), Florida Mortgage Lender Servicer Branch License (MLDB6902) under the Nationwide Mortgage Licensing System (NMLS), unique identifier of #237341. Refer to www.nmlsconsumeraccess.organd input NMLS #237341 to see where American Financial Network, Inc. is a licensedlender. Inall states, the principallicensedoffice 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.