Recruiting Booklet Jonathan Suda

A R E Y O U R E A DY T O

Jonathan Suda BRANCH MANAGER

D: 714-855-8748 jsuda@afncorp.com 4551 Black Horse Pike, Suite 10, Turnersville, NJ 08012

Reshaping the

M O RT G A G E

INDUSTRY

CUTTING EDGE TECHNOLOGY

ROBUST TRAINING

HIGH ENERGY CULTURE

COMMISSIONS PAID WEEKLY

BEST-IN-CLASS MARKETING OFFERING

LICENSED IN ALL 50 STATES

*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.

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, the District of Columbia (DC) and funding more than $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—even through the housing bubble—in just the past few years, we have more than tripled our number of employees.

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 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 who 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.

Chief Executive Officer

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 220 branches supporting hundreds of Loan Officers across the nation.

Built on Relationships AFN understands that our industry is built on relationships and strengthened through personal and professional loyalties.

You Gain A New Family 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.

Our sales team trusts that leadership will provide the cutting edge technology and full range of products and services they need to reach their goals.

Growth & Expansion Sustained growth across all geographic markets in a fluctuating, sometimes volatile secondary market requires a nimble team with a commitment to core values. Our values place strong emphasis on streamlined operations, a flat management model focused on production support, and a customer service approach designed to exceed expectations at every level.

2001 AFN Founded by Jack Sherman in Chino Hills, CA

2009 AFN Receives FHA Full Eagle 2012 AFN Funds > $1B and is Licensed in 17 States

Sales Focused Strategy

2013 AFN Becomes FNMA Seller/Servicer

AFN’s branching strategy reflects a flexible and empowering

culture;

one

that

rewards

effective

leadership and provides the support your team needs.

Our role is to simplify processes and remove obstacles, allowing Branch Managers and their teams to focus on building their business, achieving goals, surpassing milestones, and enjoying the benefits of our collective successes.

and Ginnie Mae Issuer

2015 AFN Funds > $3B, Ranked Top 50 in the Nation and Licensed in Over 40 States

2017 AFN Funds > $4B, Ranked one of

America’s Fastest Growing Companies

2019 AFN Funds > $7.6B, Licensed in 50 States + District of Columbia

Licensed in 50 States + D.C.*

2020 AFN Funds > $13.6B & Funded > $1B Nine Months In A Row

AFN is licensed in all 50 states + the District of Columbia.

That means, with the proper state licenses, you have the ability to originate loans across the nation! Our dedicated

2021 AFN Funds > $13B and Ranked Top Mortgage Employer

licensing team is here to assist you with obtaining and maintaining state licenses while preparing for a bright and prosperous future with AFN.

2022 AFN Funds > $6.79B, Ranked Top Mortgage Employer

2023 AFN Funds > $4.3B+ & Funded 12.6K Loans with 97% Customer Satisfaction Rating based on surveryed clients from Experience.com

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

Each 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.

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.

People

Hard Work

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.

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

Integrity

Technology

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.

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.

Teamwork

Fun

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.

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.

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

here.

AFN is a Fannie Mae and Freddie Mac Seller/Servicer, Ginnie Mae Issuer, and USDA and VA LAPP approved. We have it all, from the basics to the hard to find. AFN services include preapprovals, 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 necessary. Having such a wide variety of products gives us a unique advantage.

All The Tools You Need WITHOUT THE

Red Tape

*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.

Award-Winning Marketing Team At Your Service The AFN Marketing Offering is one of the very best in the industry.

Our award-winning team of seasoned marketing, creative, and social media professionals is 100% focused on Branch Marketing Support. We are dedicated to providing our originators with the very best solutions and support possible. Our in-house design team offers custom creative development, including idea-storming, graphic design, copywriting and compliance review at no cost to you!

Company Paid CRM & Marketing Suite The CRM is integrated with Encompass and gives you access to all your contact details, scenarios, and marketing history. You can also manage/track leads within the system, free of charge.

Three Year Loyalty Program Keeping relationships strong just got easier.

We provide our Loan Officers a 3 year loyalty campaign on every closed loan, free of charge, to help you keep in touch with your customers in a fun, interesting, and easy way.

Plus, you can co-brand with your Realtors to keep them in front of both of your clients!

On-Demand Marketing Library The library features more than 1,000 marketing pieces, from multi-media campaigns to direct mail postcards. Each piece is customized for you and is already compliance approved.

Referral Partner Marketing We know your Referral Sources are the lifeblood of your business. AFN Marketing provides turnkey solutions that create opportunities to develop new and existing referral source relationships!

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 applications online via AFN’s SNAP app. Websites include full 1003.

Co-Branded Marketing At AFN, you’ll have access to on-demand co-brandable marketing materials, as well as co-marketing systems that help you find top referral partners, earn their trust, and form lasting relationships.

Everything You Need To Stay

Relevant On

Social Media Social Media Support Our experienced marketing team is here to guide you through the everchanging landscape of social media and help you make the most of it.

Social Media Library The AFN Social Media Library is fully stocked with posts, videos, and infographics to keep in touch with your clients and referral partners on social networks.

Weekly Content Provided We provide weekly content to help keep you keep your social media pages fresh and relevant.

Animation Library Access to an animation library full of product, seasonal, and fun interative animations to keep your social media pages full of motion!

Free Automated Social Media Let us do the work for you!

A free and easy social media platform that is available to AFN Loan Officers to help manage your social media pages.

•

Generate More Leads

•

Scheduled Posts

•

Stay Consistent on Social Media

•

Opt-In Campaigns

Custom Animation Opt-In Service Stand out on social media with monthly that

customized

include

your

animations contact

information!

Content Creators Community Top Producer’s, Marketing & Social Media Experts come together in this exclusive group. With Marketing support and guidance, plus special video resources to create personalized social media content.

Cutting-Edge 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-the-art telecom system keeps your branch closely connected to corporate

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 Job Functions

•

One system integration

•

Position specific dashboards

•

Performance metrics

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Robust production reporting and analytics engineered to give you a spherical macro level perspective of branch performance trends

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Goals and leaderboards

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Sales inputs desired annual comp goal

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

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Real time financials with loan and LO level profitability

•

Market View: know your competition to vet your recruits

All Branch and Loan Officer website include the SNAP application ran through Encompass. This easy application is available for borrowers to complete on their computer, tablet or mobile device. It will take them step by step through the application process and allow them to upload documents.

•

•

Borrower Web-based POS for Easy

•

Runs their own credit check

•

Inputs appraisal payment info

Interaction

•

Uploads requested items

•

Works on any device including Mac

Initiates application

•

Verifies assets with eVerify

•

SimpleNexus Available

Click To Learn More

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.

American Financial Network, Inc. (AFN) is licensed in all 50 states + D.C. We are proud to build partnerships and help homeowners nationwide. AFN always ensures our staff is fully

Licensed in all 50 States

trained and knowledgeable in rules of all regulatory entities, at the state and national levels.

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

Payroll & Retirement

•

Medical/Dental/Vision Insurance

•

Automated Payroll

•

Life Insurance

•

Direct Deposit

•

Disability Insurance

•

401K Plan & Match Program

•

Flexible Spending Account

•

Medical Out-of-Pocket Expense

We pay commissions weekly!

Yes, you read that right, weeky! So, you will get paid the following Friday after a loan clsoes 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.

We hold an annual

Branch Manager Conference for Branch Managers to Network Collaborate Celebrate Success Learn from Industry Experts

We pay commissions weekly!

Yes, you read that right, weeky! So, you will get paid the following Friday after a loan clsoes via direct deposit W2.

Experience the Event

How to achieve President’s Club Recognition: LOAN OFFICERS:

We celebrate the achievement’s

of our Top Producer’s with an annual President’s Club trip for all qualified President’s Club members

Limiting factor: Experience.com scores at or above 4.9 average • Retail: Top 10 Loan Officers by Volume (must be individual, not teams) • Retail: Top 10 by Units (must be individual, not teams) *Referral Desk excluded. | Do not include duplicates.

BRANCH MANAGERS: Limiting factor: of positive branch cumulative and YTD PNL • Retail: Top 5 branches by Units and Volume *Referral Desk excluded. | Do not include duplicates.

DIVISION MANAGER: • Over $600 Million per year OR 1 most profitable YTD *No exclusions for recruited branches, closed branches, etc.- straight front end PNL combination

OPERATIONS PERSONNEL: • Top 2 Underwriters by Score Card • Top 2 Processors by Score Card • Top 2 Closers by Score Card • Top 2 Discretionary for other departments

For more information contact your Branch Development Executive or email us at info@afncorp.com or call 888-636-7573.

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

A R E Y O U R E A DY T O

L E T ’ S G E T S TA R T E D :

Jonathan Suda BRANCH MANAGER

D: 714-855-8748 jsuda@afncorp.com 4551 Black Horse Pike, Suite 10, Turnersville, NJ 08012

W W W.A F N C O R P.C O M

EQUAL HOUSING LENDER E Q U A L O P P O RT U N I T Y E M P LOY E R B R A N C H N M L S # 1 8 0 4 3 5 4 | C O R P. N M L S #2 3 7 3 4 1