TECHNOLOGY, FLEXIBILITY, AND SUPPORT TO GROW YOUR BUSINESS.
Built For What’s Next In Mortgage
Leadership & Vision
Growth & Stability
Accolades & Licensing
The AFN Tech Stack
Marketing, CRM & Website Advantage
The Power of Social Media
Lending Power
Products
Benefits & Coaching
JOHN SHERMAN CHIEF EXECUTIVE OFFICER
Table of Contents
“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.”
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
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
CHIEF OPERATING OFFICER
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
EVP, SECONDARY MARKETING
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
EVP, HUMAN RESOURCES
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.
AFN founded.
AFN was founded in 2001 in Chino Hills, CA.
Now, AFN operates 180+ branches nationwide.
AFN grows across the nation.
In 2015, AFN was ranked Top 50 in the Nation and is licensed in 40 States.
AFN continues to be a Top Mortgage Lender and now licensed in 50 states.
AFN breaks records.
AFN broke funding records with $1B funded nine months in a row.
AFN is on track for continued
Now expanding.
AFN is now expanding in various markets.
Expanding our teams and our AIdriven technology ecosystem.
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
• Teamwork over silos
• Client experience first
• People before process
• Technology that empowers
• Hard work with purpose
• Continuous education and 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
We pay commissions weekly!
MPA, MortgageBanker & NMPM Top Mortgage Employers
NMP Most Loved Employers
Newsweek Greatest Workplaces for Mental Wellbeing
Yes, you read that right, weeky! So, you will get paid the following Friday after a loan clsoes via direct deposit W2.
Licensing That Supports Your Goals
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.
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 knowledge
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 Officer’s assistant with a dedicated phone number
Juliet | Realtor AI Assistant
Prequal, loan guidance, payment calculations
Marketing content creation
Status updates on active transactions with AFN
Local market intelligence
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.
The Mobile App Built for Loan Officers
Snap is AFN’s mobile app designed to help Loan Officers stay connected, responsive, and productive from anywhere. From managing conditions to communicating with borrowers, Snap keeps your pipeline moving without needing to be at your desk.
Your pipeline. Your phone. Full control.
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 rework
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.
Built to Support Loan Officers
Income Calculation Agent
STRUCTURED SELF-EMPLOYED INCOME ANALYSIS
• Reviews IRS Forms 1040 & 1065
• Extracts income data from tax returns
• Auto-populates SAM worksheets
• Applies consistent calculation logic Turns complex tax returns into a clear, reviewable income worksheet—saving time and reducing errors.
Loan Officer Daily
Snapshot
YOUR DAY, ORGANIZED
• Personalized pipeline and production summary
• Morning market and rate insights
• Key milestones and upcoming activity Start each day informed and focused without searching multiple systems.
AFN’s AI Agents are designed to simplify daily loan work, reduce manual tasks, and help Loan Officers focus on borrowers—not systems.
Encompass Uploader Agent
DIRECT DOCUMENT UPLOADS, FEWER STEPS
• Uploads files directly to Encompass by loan number
• Eliminates unnecessary system navigation
• Reduces document handling errors Gets documents to the right loan faster, with less manual work.
More AI Agents in Development
ROADMAP DESIGNED TO MINIMIZE MANUAL TASKS
Upcoming AI Agents:
• Program and rate selection
• Outbound voice agent
• Invoice processing and check request
• Appraisal review / Financial review
• HR onboarding & more
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
Custom Marketing Support
Our in-house creative team provides custom marketing at no cost, including ideation, copywriting, graphic design, and compliance review. From quickturn assets to full campaigns, we help bring your ideas to life efficiently and on brand.
BORROWER SURVEYS
Amplify Client Reviews
Automated borrower surveys are sent after every closed loan, routing satisfied clients to leave public reviews. Reviews can post directly to your social media and support a personalized landing page designed to build credibility and improve search visibility.
TEAM AFN SHOP
Branded Materials On Demand
From apparel and promotional items to business cards, signage, and brochures, the Team AFN Shop makes it easy to order professional, on-brand materials. Choose from pre-stocked items for fast delivery or customize products to fit your local marketing needs.
MARKET & SALES INTELLIGENCE
Data-Driven Marketing
Tools
Access industry-leading market and real estate data tools to support client and referral partner conversations. Branch subscriptions include full marketing kits, social content, open house materials, and presentation tools at a preferred discounted rate.
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
Customization
Personalized websites with your photo, bio, and contact details—easy to manage and fully compliant.
READY ON ANY DEVICE Mobile-First
Optimized for every screen. Pages automatically adjust for mobile, tablet, and desktop so clients can engage anytime, anywhere.
PAGES THAT CONVERT Landing Pages
Campaign-focused pages built to capture interest, track engagement, and guide clients toward clear next steps.
Stand Out In A Digital World
LOOKING AHEAD
AI-Enhanced Websites
AFN’s next-generation websites use AI to guide borrowers, reduce friction, and support stronger Loan Officer conversations— creating a smarter, more intuitive experience from first click to close.
AI Website FEATURES
• Sophia AI Chat Bot – 24/7 borrower support
• AI vs. Traditional Experience – clearer, faster path to close
• Smart Payment Calculator – instant payment estimates
Loan Program Insights – simple, guided
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
A Library Built for Engagement
The AFN Social Media Library is fully stocked with ready-to-use posts, videos, and infographics designed to keep you connected with your audience. From product updates to seasonal and lifestyle content, everything is created to support visibility and relationship-building.
SOCIAL MEDIA CONTENT Weekly Content, Delivered
AFN provides fresh content weekly, making it easier to stay active and relevant on social media. With consistent updates available, your pages stay current without the pressure of daily content creation.
VIDEO EDITING SERVICE Create More. Stress Less.
Whether you’re recording short updates, educational clips, or market insights, our team helps clean up, format, and prepare your videos for social media. You can focus on showing up on camera and sharing your expertise — while we help handle the rest behind the scenes.
YOU HAVE A GUIDE Support That Makes It Simple
With AFN, you don’t have to navigate social media alone. We provide the resources and structure so your online presence stays polished, professional, and working for you behind the scenes.
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 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, 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)
Fixed and ARM Options
Conventional
Construction-to-Perm
HomeStyle
High Balance Conforming
Primary, Second Home & Investment
Purchase, Rate & Term, Cash-Out
FHA
Purchase
Refinance & Streamline
FHA 203(k) Renovation Loans
FHA 203(H) Disaster Loans
Fixed and ARM Options
Purchase
VA IRRRL
Fixed and ARM Options
Jumbo
Non-Agency AUS
Jumbo
Jumbo Express
Select QM / Select 90 QM
Select AUS
Choice QM
Non-QM
Bank Statement
1099 Income Only Programs
Asset Utilization Programs
Alternative Documentation (Alt-Doc)
One-Year Full Doc Options
Debt Service Coverage Ratio (DSCR)
Asset Utilization
Individual Taxpayer Identification
Number (ITIN)
Foreign National
Clean Slate
Closed-End Seconds
Down Payment Assistance
Rural Housing
Streamline
Streamline Refinance
Chenoa Fund (Conventional & FHA)
BOOST (FHA & USDA 100% financing)
Arrive Home
NHF Essex
Regional DPA Programs
Conventional FHA,
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.