Partnership Done The Right Way

PARTNERSHIP DONE THE RIGHT WAY The American Dream Together, we make it a reality.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

Simplifying the

HOMEBUYING PROCESS When we partner with a common

GOAL OF BUILDING CLIENT RELATIONSHIPS for life, everything else falls into place.

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.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

About American Financial Network, Inc. 2001

2009

2012

2013

2015

FHA Full Eagle

National Strength. Local Presence.

A

s one of the nation’s largest privately held mortgage companies, AFN has the resources to compete on a national level with the largest publicly held banks. Based in Chino Hills, California, AFN is a direct lender licensed in over 40 states with more than 100 branches supporting more than 400 Loan Officers across the nation. However, it is the one-to-one relationships with our realtor partners—who are working in towns and cities across America with first-time homebuyers, investors, builders, and contractors—that make AFN so successful.

•

Nationwide Licensing Footprint*

•

FHA Full Eagle

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Fannie Mae Seller/Servicer

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Ginnie Mae Issuer

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VA Automatic Authority

*licensed in most states

Our business and referral partners are the lifeblood of our industry.

B

uilding enduring relationships starts with building trust. At American Financial Network, Inc. (AFN) we know you work hard to find prospective clients. To acquire and keep those clients, you need a lender who shares your commitment to making the home buying experience as easy and as pleasurable as possible. You need a partner who offers loan products for every situation, quick approvals and even faster turn times. You need all of this with open communication—the give and take that only a truly transparent and enlightened company can provide. AFN is that partner.

Your AFN Loan Officer will provide the marketing support, technical expertise and the multi-channel communication you need to keep your clients in the know from pre-qualification to closing and beyond.

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.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

The AFN Strategy AFN understands that success in 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 Loan Officers know they can trust in this family spirit. When you partner with us you become part of the AFN family, too.

Our Partner-Focused Strategy Our personalized partnership strategy reflects a culture that is both flexible and empowering; one that appreciates the power of collaboration and can provide the necessary support to ensure success. My goal as your Loan Officer is to simplify the process, remove obstacles and keep you informed so that we may both enjoy the benefits of our shared success.

Operational Excellence Speed, accuracy and consistency are critical to closing a deal and making your homebuyer happy. Client satisfaction is the key to future business and referrals from friends and family. AFN has the infrastructure, products, streamlined processes, and— most importantly—the people to deliver the service that will delight your clients. When you partner with AFN, you partner with a company built on core values, streamlined operations and an approach to customer service founded on exceeding expectations.

Lending Excellence • • •

24-48 hour turn times Agency-direct Broad range of loan products

• • •

Decentralized paperless underwriting Easy close fundings with advance wires On-time, every time closings

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.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

Speed. Scale. Simplicity. It’s the AFN way.

AFN is continually evolving to meet the ever-changing regulatory and compliance mandates within our industry. We know that time is of the essence. So, when it comes to closing, we are on time every time.

Our balance sheet and paperless processes offer the kind of scalability to readily meet market demands.

Our belief in keeping things simple and straightforward means you and your customers will not experience

We provide our partners a solid foundation for a better future with ethical and fair lending practices. We are committed to doing business the right way.

LUE A V

N

I

REL

Bringing your customers true value is an integral part of our daily dedication. We find the right financial fit for each and every borrower while working hard to save them money.

TE G RI T Y

complicated, convoluted or cumbersome processes.

Financing the American Dream is more than a motto to us...it’s what we do. We are dedicated to making every loan a relationship that will last a lifetime.

AT

IO N

SHIPS

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.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

As an agency-direct banker, AFN has the loan products to meet virtually every unique need. AFN is a Fannie Mae Seller/Servicer, Ginnie Mae Issuer, and USDA & VA LAPP approved (with Freddie Mac approval pending). We have it all, from the basics like FHA, USDA, VA, Conventional, and Jumbo, to the hard to find, like Jumbo loans up to $5 million dollars, 203(k), asset-based lending, construction-to-perm, manufactured, modular and more.

AFN services include 24-48 hour turn times for 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 Officers to broker whenever necessary. Having such a wide and varied product offering gives us a unique advantage. We have delegated underwriting on nearly all our loans. *Limited to loan being ready for closing. Numerous factors outside of lender’s control may lengthen or cause significant delays to closing. Restrictions and Conditions Apply. 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.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

Our Loan Products Whether your customer is looking to purchase a home or add to an investment portfolio, we find the loan program best-suited for the situation. We have worked hard to simplify processes and eliminate confusion.

Your clients will be comfortable with interest rates, points, caps, closing costs, escrow, full disclosure, private mortgage insurance, annual percentage rate, etcetera.

All the Loan Programs You Need FHA

The ideal loan for first-time homebuyers, low income buyers and those buyers with less than stellar credit

USDA

No down payment required, and sometimes available in areas you might not consider rural

VA

No down payment required for veterans, service members, reservists and qualified spouses

Jumbos

We have some of the most aggressive LTV ratios in the industry for clients who need to borrow more than $417,000

203(k) Rehab

For big or small renovations

Conventional

Fannie Mae or Freddie Mac guidelines for those customers with good credit

Adjustable Rate

An ARM can be a money-saving option for buyers who plan to own only for a short period of time or are expecting additional income in the future

Foreign Nationals

Designed for qualified non-U.S. citizens who want to buy a home in the U.S.

Reverse Purchase

Enables seniors age 62 and older to convert a portion of their home equity into tax-free money

And then some…

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Asset-Based Lending

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Manufactured and Modular

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Construction-to-Perm

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Purchase Money Seconds

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Down Payment Assistance Programs

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State Bond Programs

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Extended Rate Locks

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.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

Simple Processes, Outstanding Results We will work with your customers by phone or in person to help them determine what they can afford.

Once we have received all necessary financial documents, your client’s loan application will be complete and ready to sign..

AFN works with professional local appraisers who will visit the property, evaluate condition and assets, review comps and determine market value...

PreApproval*

Contract

Appraisal

Review & Rate Lock

With all documents in-house, including the appraisal, we will have a final review with your client, lock in the rate and send the completed package to underwriting.

Underwriting

Our team of underwriters is responsible for comparing your client’s documents with loan program guidelines for qualification and approval.

Quality Assurance

We will make sure that any additional required documents are secured prior to closing.

Closing

We will provide all necessary paperwork and loan approval, and work in tandem with the closing agent to ensure closing documents are completed, recorded and funds dispersed.

*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 preapproval and we take that very seriously. You can count on our pre-approvals to stand up where others do not.

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.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

Weekly Loan STATUS UPDATES

Loan Milestone NOTIFICATIONS

Market UPDATES

Communicating Every Step of the Way •

Our system automatically provides real-time milestone alerts. Your Loan Officer will send you and your customers personalized periodic updates.

•

Meeting Deadlines - At AFN, we understand that in today’s competitive market there are often multiple offers, and meeting financing contingency deadlines is just as important as timely closings. We do both.

•

Timely Closings - You set the closing deadline, not us. If there is an issue with it we will let you know in advance. Otherwise, we get the closing package there on time, every time.

•

Nurturing Referrals After Closing - At AFN, we keep referral relationships strong even after closing with our 3-year loyalty campaign. These 48 unique communications will keep us in touch with your customers in a fun, interesting, and carefree way.

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.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

AFN Marketing AFN Marketing has one of the very best offerings in the industry. Our team of award-winning and seasoned marketing, creative and social media professionals is 100% focused on Loan Officer support. They are dedicated to providing Loan Officers and our Realtor partners the very best solutions and support possible.

AFN Marketing provides turnkey solutions that create opportunities to compliantly and continually cultivate new and existing referral source relationships!

AFN has the Marketing Tools and Co-Branded Collateral You Need Powerful marketing drives more business. With a marketing library that features 500+ pieces, from multimedia campaigns to direct-mail postcards, AFN’s marketing library is much more than just flyers. From brochures and postcards to open house listing support, our marketing team creates custom materials that are co-branded and compliance approved to suit the individual needs of you and your customers.

Offerings Include: •

Access to In-House Marketing Agency and Design Team

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Automated Post-Closing Loyalty Campaign

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Email Campaigns

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First-Time Homebuyer Seminar

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Listing and Open House Marketing

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On-Demand Custom Library & Marketing System

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Realtor, Builder and Borrower Presentations, Brochures, Flyers and Booklets

•

Referral Partner Marketing

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.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

The AFN App

Ask me about our mobile app!

For you and your Homebuyers.

EASY ACCESS FROM ANYWHERE, ANYTIME, TO ANYTHING YOU NEED

Available for Apple and Android!

We are always looking for ways to keep communication simple, effective and timely. Our new mortgage app for iPhone and Android will allow you and your customers to track their mortgage transactions from loan application to closing, and beyond.

AFN Mobile App

This handy and free app features: • Loan Status Tracking

• Easy Document Viewing

• Real-Time Notifications

• Secure Camera Scanner

• A Secure Portal

• Secure Messaging

• Document Uploading

• Important Dates Calendar

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.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

We Are Qualified Professionals At AFN we are proud of what our team has achieved over the past decade and more. We are equally proud of our brand and what it stands for. Designed to convey a sense of well-being, comfort, stability and integrity—the AFN brand is the American Dream personified.

AFN recognizes that meeting and maintaining high industry standards requires hiring the best personnel, providing comprehensive training and offering ongoing personal development to ensure our Loan Officers stay current and at the top of their game.

Our executive team is comprised of industry professionals with more than 100 years of combined mortgage industry experience. Through the guidance and vision of this leadership ensemble, AFN has experienced unprecedented growth, both in same-store sales and through strategic recruiting and market expansion.

Jack Sherman Chief Executive Officer

John Sherman President

Jonathan Gwin, Esq. COO & General Counsel

Bob Telles, CPA, MST Chief Financial Officer

Twyla Hankins EVP of Operations

Scott McGinley EVP of Secondary Marketing

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.

Let’s work together! Call me today.

Diana Gray

Branch Manager NMLS#: 255575 47050 Washington St., Suite 4101 La Quinta, CA 92253 Direct: 760-289-4701 Direct: 760-285-4449 dgray@afncorp.com

American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (603J145) and holds a CA Bureau of Real Estate, Real Estate Broker's License (1317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 347595. Broker is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS #237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 9281 ; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.