Why Builders Love Working With AFN

WHY BUILDERS

LOVE WORKING WITH AMERICAN FINANCIAL NETWORK, INC.

The American Dream Together, we make it a reality.

IT’S NOT JUST NEW CONSTRUCTION,

IT’S SOMEBODY’S HOME.

National Strength Local Presence Partner with a company that shares your vision and together we can build and finance the American Dream and change the lives of people in our community.

American Financial Network, Inc. (AFN) is a direct lender offering a great blend of products and services since 2001.

• Instant Pre-Qualifications

• Fannie Mae Seller/Servicer

• Fully Underwritten Pre-Approvals*

• Ginnie Mae Issuer

• Extended Rate Locks

• USDA and VA LAPP Approved

• FHA & Conventional

A pre-approval does not constitute a loan commitment or guarantee of a loan. Pre-approval is subject to a satisfactory appraisal, satisfactory title search, and no meaningful change to borrower’s financial condition. This information is intended for 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.

ABOUT THE COMPANY AFN is one of the fastest growing mortgage bankers in the United States. Built on core values, streamlined operations, and an approach to customer service founded on exceeding expectations, it’s no wonder why more and more builders are choosing us!

• Family owned and operated since 2001

• 140+ branches

• Headquartered in California

• Funded >$4.2 billion in 2018

• Licensed in 48 states + D.C.

• Strong balance sheet

• Growing nationally

• USDA and VA LAPP approved

A bit about our history 2001

2012

2013

2015

2017

2018

AFN Founded by Jack Sherman in Chino Hills, CA

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

AFN Becomes FNMA Seller/Servicer and Ginnie Mae Issuer

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

AFN Funds > $4.5B, is Ranked Top Mortgage Employer and Licensed in 45 States.

AFN Funds > $4.2B, is Ranked Fastest Growing Companies in America by Inc 5000.

This information is intended for 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.

LENDING SOLUTIONS FOR LEADING BUILDERS

Extended Rate Locks With AFN’s extended rate lock you and your customer won’t need to worry about interest rates going higher while their new house is going up.

Underwriters with New Construction Experience At AFN, we know it’s the details that can cause delays. Our Underwriters are proactive in moving loans forward ensuring borrowers are ready to move in when construction is complete.

Instant Pre-Qualifications and Same Day Pre-Approvals We take pre-qualification and same day approval for buyers seriously because we know you, as the builder, have a lot riding on it.

New Construction Experienced Appraisers Appraisers have the knowledge and experience to review plans, blue prints, and other available information to make the right assumption and ensure a great price for your new construction.

A pre-approval does not constitute a loan commitment or guarantee of a loan. Pre-approval is subject to a satisfactory appraisal, satisfactory title search, and no meaningful change to borrower’s financial condition. This information is intended for 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.

LENDING EXCELLENCE By consistently combining sound lending practices with a can-do, on-time, every time approach, we deliver a better lending experience.

• Typical 24-48 hour turn times

• Easy close fundings with advance wires

• Timely closings

• Decentralized paperless underwriting

• Agency direct

• Broad range of loan products

Uncomplicated and timely closings. That is just the AFN way.

Tremendous scalability to meet your market demands.

You won’t find over complicated processes here.

This information is intended for 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.

LOAN PROGRAMS THAT FIT YOUR NEEDS

We have the basics covered and more.

We are an agency-direct lender that can give you the loan programs you expect and more.

• Jumbos

the hard to find...

• 203(k) Rehab Loans • Asset-Based lending • Foreign National • Construction to Perm • Extended Rate Locks

• FHA

and of course... the basics

• Conventional • 100% VA/USDA Financing • Purchase Money Seconds • Manufactured & Modular • 100% Down Payment Assistance Programs*

Fully underwritten pre-approvals We offer fully underwritten pre-approvals upon request. We understand that a lot is riding on the validity and reliability of the pre-approval and we take that very seriously. You can count on our pre-approvals to stand up where others don’t. *Down payment assistance varies based on state/government programs available in specific areas. Not all applicants will apply. American Financial Network, Inc. is not acting on behalf of or at the direction of the federal government, and this offer is not being made by an agency of the government. This information is intended for 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.

NATIONAL STRENGTH LOCAL PRESENCE

Why deal with an impersonal banking institution that takes you for granted or a local mom and pop shop that lacks financial strength? At AFN we provide the perfect balance of national strength and local presence. We keep it simple and straight-forward. It’s our job to... keep you informed, meet all deadlines, and close on time.

A Simpler Process

MEETING

TIMELY

CONSTANT

DEADLINES

CLOSINGS

COMMUNICATION

We understand that in

You set the closing deadline,

Our system automatically

today’s competitive market

not us. If there is an issue

provides real time milestone

obtaining a fast loan

with it we will let you know in

alerts. Our people provide

commitment prior to building

advance. Otherwise, we strive

personalized weekly updates

is just as important as timely

to get the closing package

ensuring you are notified

closings. We strive to do both.

there on time, every time.

every step of the way.

This information is intended for 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.

Branch 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 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.