Built For What’s Next In Mortgage - Matalka

YOUR NEXT MOVE

Built For What’s Next In Mortgage

MIKE MATALKA FOUNDER OF CONSUMER DIRECT DIVISION

Table of Contents Leadership & Vision Growth & Stability Our Channels Culture & Support Licensing Coaching & Training The AFN Tech Ecosystem Marketing CRM & Website Advantage The Power of Social Media Lending Excellence Products & Lending Power

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

JOHN SHERMAN CHIEF EXECUTIVE OFFICER

AMERICAN FINANCIAL NETWORK, INC.

Join AFN — where modern mortgage professionals grow.

Every day, we partner with driven loan officers who want more control, better tools, and real support behind their business. At AFN, you’re backed by an integrated platform that combines industry-leading technology, a full product suite, marketing support, and operational strength — all designed to help you close efficiently and grow intentionally.

For experienced loan officers who have outgrown the limitations of traditional retail lending, AFN offers a better path forward. Less friction. More flexibility. Smarter systems. And the freedom to build your business your way.

We look forward to showing you how AFN can elevate your production and support your long-term success.

AFN Executive Leadership John Sherman

CHIEF EXECUTIVE OFFICER

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.

Twyla Hankins

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

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.

Gurpreet Kaur

CHIEF FINANCIAL OFFICER

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.

Andy Kalyviaris

CHIEF COMPLIANCE OFFICER & GENERAL COUNSEL

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.

Scott McGinley

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

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.

Susie Sensenbach

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

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.

Proven Growth.

Built to Last.

2001

AFN founded.

2020

AFN breaks records.

AFN was founded in 2001 in Chino

AFN broke funding records with $1B

Hills, CA.

funded nine months in a row.

Now, AFN operates 180+ branches

AFN is on track for continued growth.

nationwide.

2015

AFN grows across the nation.

AFN ranked Top 50 in the Nation and is

TODAY

Now expanding.

AFN is now expanding in various markets.

Expanding our teams and our AI-driven technology ecosystem.

licensed in 40 States.

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

AFN’s growth is fueled by people and process —

AFN’s growth is fueled not volatility. 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.

Built on teamwork.

Designed for the future of mortgage.

Our Channels AFN operates through multiple lending channels — each designed to meet professionals where they are and support how they grow. Whether you’re building a local presence, scaling a consumer platform, or expanding through wholesale partnerships, our structure gives you flexibility without fragmentation.

L O C A L L E A D E R S H I P.

CENTRALIZED REACH.

N AT I O N A L S U P P O R T.

SCALABLE GROWTH.

Retail Branches

Consumer-Direct Branches

Our retail channel is built around locally

Our Consumer Direct channel is designed

operated branches supported by a national

for teams focused on centralized lead

infrastructure. Branches maintain their local

flow

identity and relationships while benefiting

With streamlined operations, integrated

from

technology, and consistent support, this

AFN’s

compliance,

technology, product

depth.

efficiency-driven

production.

This

channel allows loan officers to focus on

model empowers loan officers and branch

conversion, speed, and borrower experience

leaders to grow strong, community-focused

while scaling volume in a structured

businesses with the backing of a nationwide

environment.

lender.

and

operations,

and

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

Culture

improvement

Integrity

AMERICAN FINANCIAL NETWORK, INC.

Ambition.

Join an award-winning lender.

Acknowledged for performance, culture, and long-term growth.

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

We pay commissions weekly!

• you NMP Topthat Mortgage Yes, read right, Employer weeky! So, you will get paid the following Friday

after a loan clsoes via direct deposit W2.

•

Scotsman Guide Top Workplaces

•

MPA, MortgageBanker & NMPM Top Mortgage Employers

•

NMP Most Loved Employers

•

Newsweek Greatest Workplaces for Mental Wellbeing

Licensing That Supports Your Goals Nationwide Lending Footprint

180+ BRANCHES

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 regulation that 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.

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.

Built to Support Growth at Every Stage

Coaching & Training AFN provides structured coaching and ongoing training designed to help loan officers and branch leaders sharpen their skills, stay informed, and grow with confidence.

Our coaching programs are sponsored by AFN and led by experienced industry professionals who understand the realities of today’s market.

Coaching That Grows With You with our National Business Coach 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.

Social Media Master Class Led by Jonny Fowler This ongoing training helps loan officers take control of their social media presence and use it as a consistent business-building tool. Topics focus on positioning, engagement, and creating content that keeps professionals visible and relevant to their audience.

Monthly State of the Market Calls Led by AFN Divisional Leadership AFN hosts Monthly State of the Market calls led by the EVPs of Retail Branching and the Divisional Vice President of Business Development. These sessions provide timely insights into market conditions, interest rate trends, buyer behavior, and strategic opportunities — helping teams stay aligned, informed, and proactive.

AMERICAN FINANCIAL NETWORK, INC.

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

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.

Designed specifically for mortgage professionals, Rock CRM brings together borrower data, marketing activity, and performance insights into one streamlined platform — eliminating disconnected tools and manual follow-up.

One Platform. Real Visibility.

Rock CRM connects directly with AFN’s loan origination and marketing systems, ensuring your data stays current, accurate, and actionable. From first contact to post-closing follow-up, every interaction is captured and accessible — 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 is designed to work for you — running in the background analyzing your database to send automated nurturing, and trigger criteria campaigns based off past loan data. Rock is fully integrated with Command Suite Ecosystem.

Automated Follow-Up & Nurturing Stay connected without staying logged in. Rock CRM send at 8 milestones throughout loan process, with future data specific features coming. Rock also features a 3-year automated post-close loyalty email campaign as well as an opt-in holiday campaign.

Co-Branding Built In Rock CRM makes it easy to co-brand marketing with your Realtor and referral partners — helping you stay aligned, visible, and top of mind together. Approved co-branding options allow you to share content that support joint business development while maintaining compliance and brand consistency.

CRM That Works the Way AFN Works 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.

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 and cus-

The practical mobile-responsive design allows

tomizable. Individual sites are tailored using

users to browse easily on a cell phone or other

personal photos, bios, and custom information,

mobile device. Dynamic menus, images, and

allowing you to make your site your own.

fonts automatically 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 support tar-

AFN is investing in AI-driven website enhance-

geted campaigns and guide clients toward clear

ments to make the mortgage experience more

next steps — helping loan officers capture inter-

intuitive for clients and more efficient for loan

est, track engagement, and turn marketing ef-

officers — guiding next steps, reducing friction,

forts into real conversations.

and supporting smoother conversations from start to close.

Get Social.

Stay Relevant.

Be Connected.

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

A Library Built for Engagement

Video Editing Service

Create More. Stress Less.

The AFN Social Media Library is fully stocked

Whether you’re recording short updates, educational

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

clips, or market insights, our team helps clean up,

designed to keep you connected with your audience.

format, and prepare your videos for social media. You

From product updates to seasonal and lifestyle

can focus on showing up on camera and sharing your

content, everything is created to support visibility and

expertise — while we help handle the rest behind the

relationship-building.

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 media

easier to stay active and relevant on social media.

alone. We provide the resources and structure so

With consistent updates available, your pages

your online presence stays polished, professional,

stay current without the pressure of daily content

and working for you behind the scenes.

creation.

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-qualifications, 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 overcomplicated 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, nonQM, 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 & Streamline

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 Refinance

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.

Built for flexibility, backed by options.

Bank Statement Loan Program Loan Highlights 12 or 24 months of personal or business bank statements Minimum credit scores starting at 620 Loan amounts from $100,000 up to $3.5M Up to 90% LTV

Eligible Transactions Purchase Rate & Term Refinance Cash-Out Refinance

Property Types Owner-Occupied Second Homes Investment Properties

Built for real estate investors.

DSCR Investor Loans Loan Highlights Qualification based on rental income vs. PITIA No personal income documentation required Loan amounts up to $3,000,000+ (program dependent) Interest-only and long-term amortization options available

Eligible Transactions Purchase Rate & Term Refinance Cash-Out Refinance

Property Types Single-Family Residences, PUDs and Townhomes 2–4 Unit Properties Warrantable and Select Non-Warrantable Condos Long-term rental properties

Michael Lee Matalka Division President NMLS# 9611

6833 Clark State Road, Blacklick, OH 43004

614-395-5626 mmatalka@afncorp.com www.afncorp.com/michaelmatalka

Branch NMLS# 1537244. American Financial Network, Inc. is licensed by Ohio General Loan Law Branch Registration (GL.501860.022), Ohio Residential Mortgage Lending Act Certificate of Registration License Number (#RM.804180.000), California -DFPI Financing Law License (Branch) (60DBO-60766), Kentucky Mortgage Company License (MC373549), New York Mortgage Banker Branch License (LMB 109531), and Washington Consumer Loan Branch Office License (CL-1537244) under the Nationwide Mortgage Licensing System (NMLS), unique identifier of #237341. 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.