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Take Your Career To The Next Level JOIN THE AFN TEAM Michael Storey

Office: 303-223-400

Regional Branch Manager

mstorey@afncorp.com

NMLS # 203936

http://michaelstorey.afncorp.com


A UNIQUE APPROACH: The best investment we make

IS IN PEOPLE

When people come first everything else falls into place

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A Note From Jack

Welcome to AFN! We appreciate the opportunity to work

“I am committed to loan originators

together

at

success, and the success of the loans to all

AFN requires you to think like a top

of our customers, by refining all aspects

producer,

with

you.

maintain

Sales the

success mindset

of

success, and to differentiate yourself from

of communication.�

the competition. You have to build credibility

Real success, however, requires planning,

with a good company that keeps great

and AFN not only has remarkable Sales and

operational support. AFN will help you

Operations support, but also a systematic

with that!

plan for future growth.

Your

customers

must

experience as well.

have

a

great

AFN surveys all

borrowers and our results show a successful experience almost 100% of the time. Some of the feedback received includes how AFN generates ideas and approaches to get loans done. Regardless, the single best way

This includes a

concierge-style Branch Relations Team and a homegrown Customer Resource Management

system

Marketing Team.

with

a

creative

AFN is here to make

your experience a success! We welcome the opportunity to work with successful teams that will become the future of AFN!

we keep clients happy is communication.

Chairman and CEO Jack Sherman brough his Midwestern, Wisconsin roots and values to Southern California in 1978, setting his sights high in the mortgage industry. After successfully running various departments within the mortgage industry, such as sales, operations, credit and servicing, Jack started American Financial Network, Inc. with his son, John, in 2001. Jack has a degree in Business Administration from the University of Wisconsin.

He met his wife

Evie, AFN EVP/Corporate Secretary, in Wisconsin during his college years.

Jack Sherman CEO


About American Financial Network, Inc. National Strength. Local Presence.

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, licensed in over 40 states, with over 100 branches supporting hundreds of Loan Officers across the nation.

Growth & Expansion

Sales Focused Strategy

T

O

regulatory and economic environment requires

rewards leadership and provides the necessary

a commitment to core values. Our values stress

support to ensure success. Our role is to simplify

the importance of streamlined operations, a flat

processes and remove obstacles to allow Branch

management model focused on production

Managers and their teams to focus on production,

support and a customer service approach

exceed their goals and enjoy the benefits of our

designed to exceed expectations every time.

shared success.

o sustain such growth across all geographic markets, as well as in a constantly changing

ur branching strategy reflects a culture that is both flexible and empowering; one that

AFN

understands that 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 sales team knows they can trust in this family spirit. They trust that corporate will provide the leadership, cutting edge technology, and full range of products and services they need to reach their goals. After all, AFN’s CEO, a producer himself for the greater part of his career, prides himself on having established a culture built on the idea that the producer is our true customer.

2014/2015

4


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 to 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 that 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 does just that.

, President

INTEGRITY

RELATIONSHIPS

VALUE

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

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.

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


Culture

American Financial Network, Inc. (AFN) is a

unique force in the mortgage market.

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W

e are one of the nation’s largest privately held mortgage companies with the resources necessary to compete on a national level with the largest publicly held banks. AFN maintains speed to decision, responsive communication and flexibility through its private ownership and flat organizational structure.

W

e 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.

OPTIMIZE THE CLIENT EXPERIENCE

PEOPLE

The customer’s experience is the end result of all our efforts. No matter what we do, how hard we work, or how much time we spend doing it, we always strive to optimize the client experience. Clients and referral partners are at the top of our org chart.

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.

INTEGRITY 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.

TEAMWORK

HARD WORK

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.

No matter what our interests, to succeed in a competitive field, we are willing to work harder than our peers..

EDUCATION

TECHNOLOGY

Hard work alone will not ensure success. We also strive to work smarter than our competition consistently seek out new and better ways to accomplish our goals.

Great efficiencies and service levels can be created through the use of technology. This allows our people to build systems that work best for their branch.

FUN 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.


Leadership - Experience, Passion & Integrity

A

t AFN, we’re proud of what our team has been able to achieve 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 - it is the American Dream personified. If you share these values and are serious about taking your business to the next level, AFN is looking for professionals like you. We seek purchase-oriented originators who are successful, motivated, respected by the their peers, understand the importance of relationship-based sales and the need to nurture business in order to see it grow. We are looking for like-minded individuals who are involved in their

Jack Sherman

community and understand their customers’ needs because they are your neighbors. At AFN, we have a phrase we use to describe this vision - National Strength with Local Presence. Interested? Come join us. Our executive team is comprised of industry professionals with over 100 years of combined mortgage industry experience. Through the guidance and vision of this leadership ensemble, American Financial Network, Inc. has experienced unprecedented growth both in same store sales and through strategic recruiting and market expansion.

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

AFN is constantly evolving and adapting in response to internal and external market triggers to ensure that our producers are equipped with the perfect blend of product, service, price and training. Jack Sherman, CEO

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History & Growth

2001

2009

2012

2013

2015

2016

AFN Founded by Jack Sherman in Chino Hills, CA

AFN Receives its FHA Full Eagle

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 > $4B, is Ranked Top 100 Mortgage Companies in America for the 4th year in a row.

W

hen AFN was first founded by Jack and John Sherman in 2001, their goal was to create a modest,

About AFN

family run, regional lender to support the local California community.

• Nationwide Licensing Footprint* • FHA Full Eagle • Fannie Mae Seller/Servicer • Freddie Mac Seller/Servicer • Ginnie Mae Issuer • VA Automatic Authority *licensed in most states

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 over 40 states and funding over $4 Billion per year in markets across the country.

Consistent Year Over Year Growth 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.

$4.8 B

2016

$3 B

2015

$1.57 B

2014

$1.55 B

2013

$1.5 B

2012 2011

$0.6 B


Lending Excellence

A

t 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-qualification, fully underwritten preapprovals and quick turn times. With so many products and programs, we want to make sure that every loan that can get done does get done. By consistently combining sound lending practices with a can-do, on time, every time approach, together, we can deliver a better lending experience.

Branch Relations Department

25+ Investors

Advance Wires

Scenario Desk

Agency Direct

Decentralized Underwriting

24-48 Hour Turn Times

Purchase Prioritized Underwriting

Paperless Process

On Time, Every Time Closing

Easy Closing/Funding

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

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SPEED

SCALE

SIMPLICITY

We deliver uncomplicated and timely closings.

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.


Our Loan Products

AFN

is a Fannie Mae Seller/Servicer, Ginnie Mae Issuer, USDA and 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 little 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 and varied product offering gives us a unique advantage. We have delegated underwriting on nearly all our loans.

All the tools you need WITHOUT ANY OF

THE RED TAPE

The Products you need to get the customers you want. •

Asset-Based

FHA 203k Rehab

Non-QM

Construction-Perm

Ginnie Mae Direct

Reverse

Delegated Non-Conforming

HARP

State Bond Programs

Delegated to $5 million

Jumbo

USDA (Rural)

Fannie Mae Direct

Manufactured Housing

VA (LAPP)


AFN Marketing

T

he AFN Marketing offering is one of the very best in the industry. Our team of award-winning and seasoned Marketing, Creative and Social Media professionals are 100% focused on Branch Marketing Support. We are dedicated to providing our originators with the very best solutions and support possible. We know your Referral Sources are the lifeblood of our business. AFN Marketing provides turnkey solutions that create opportunities to compliantly and continually develop new and existing referral source relationships!

AFN has all the Marketing tools you need to succeed •

Lead-to-Loan Automated Marketing and Borrower •

Realtor, Builder and Borrower Presentations

Education & Communication Series

Brochures, Flyers and Booklets

In-House Marketing Agency and Design Team

Email Campaigns

Automated Post-Closing Loyalty Campaign

Referral Partner Marketing

On-Demand Custom Library & Marketing System

Custom Advertising

The Marketing Library that is more than just flyers

T

he AFN marketing library features 500+ pieces of marketing. From multimedia campaigns to direct mail postcards, each piece is branded for you and is already compliance approved.

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Keeping referral relationships strong.

Brand building made easy.

Individual websites for Loan Officers.

We provide our Loan Officers a 3-year loyalty campaign on every closed loan, free of charge. These 48 unique communications will keep you in touch with your customers in a fun, interesting, and easy way.

From promo to apparel, you’ll find it all online at the AFN logo shop. We pre-stock many items for fast shipping and also feature many customer choices. Event rentals are easily ordered as well.

Every Loan Officer is provided a free website that is fully integrated with Encompass and features an easy way for borrowers to complete their applications online. Websites include full 1003.


iConnect - The Ultimate Marketing Suite Intelligent Marketing & Relationship Productivity Suite

W

ith AFN iConnect, you’ll have a cloud-based mobile friendly suite of tools to empower you to grow your business through automation, relationship building, lead generation and more.

iConnect includes: •

Marketing Library

Direct Mail Marketing

Customer Retention

Loan Presentation Tool

Email Marketing

In Process Communications

Contact Management (CRM)

Database Mining

Post Close (loyalty) Marketing

Leads Management

Business Building Tools

Encompass Integration

LOVE THE VIEW, BUT NOT THE MONTHLY PAYMENT?

MORE PRODUCTS

MEANS SELLING

MORE HOMES. We have the basics covered and more.

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

the basics...

the niche...

FHA, USDA

Jumbos

VA

203(k) rehab loans

Conventional

Purchase money seconds

Reverse purchase

Manufactured & Modular

Stated Income**

0% down FHA**

95% Non-warrantable high rise and

FHA “Back to Work”**

regular condo**

Extended rate locks

Asset-based lending

Lite-Doc, asset-based

• •

Foreign National

State Bond Programs*

Construction to perm

Down-payment assistance programs.*

Let’s Work Together!

*not in all states **available on referral basis

KEEP THE LIFE YOU KNOW

REFINANCE WHILE RATES ARE STILL LOW

Every day American Financial Network, Inc. works to change peoples’ lives by “Financing the American Dream.” We are constantly evolving and adapting to ensure our employees are equipped with the perfect blend of products, service, and training to ensure that you have the best possible lending experience. We are proud to be your lender of choice. Rates are still very low

Lower Your Monthly Payment

Consolidate your debt and save

Rates are still at historic lows which means that now is the time to take action. No one knows when rates will rise and when it comes to getting the most from your home investment, timing is everything. Take advantage of these rates today!

Lowering your interest rate will also lower your monthly payment, giving you more flexibility in your budget each month and saving you even more over the life of your loan.

Another benefit of refinancing allows you to payoff high-interest credit cards and installment loans. Consolidating your debt into a lower rate can save hundreds or even thousands of dollars per month!

Many loan options to choose from We offer many different loan programs to meet your needs. From conventional and government programs like FHA, VA and USDA to more niche programs such as reverse and jumbo, we do it all. Let’s talk about which option is the best fit for your financial future.

Don’t overpay another day. Let’s get started saving you money today!

You’ve worked hard all these years and wisely invested in the joys and trials of homeownership. A reverse mortgage can allow you to make the most of the equity you have built and enjoy not having mortgage payments. If you are 62 or older and own your home, you may qualify for the government insured Reverse Mortgage. •

Here are the benefits:

• • •

Continue to live in your home Title stays in your name Frees you from your existing loan No more monthly payments*

Tax-free monthly cash flow

Social Security and Medicare unaffected

*American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make monthly or other periodic taxes or insurance payment and may risk default if payments are not made.

Want more info? Call me today!

“It is our duty to strengthen our brand, gain market share, and promote growth.”


AFN Marketing Social Media is a brave new world. You have a guide! From beginner to advanced, no skill level is off-limits.

O

ur full-time Social Media Manager is an award-winning guru who can guide you through the ever-changing landscape of social media and help you make the most of it.

Service features: •

Full Social Media Support

One To One Assistance

Weekly Content Provided

Local SEO Support

Image & Content Library

Automatic Blog Posting

Hours of Live & Recorded Training

On-Site Help Available

Personal support on the most popular networks:

AFNEdge Giving your real estate partners the power of social media Nothing is more powerful than helping someone boost their business and increase sales. This multi-faceted program will share social media knowledge with your real estate partners. By doing this, you’ll position yourself as a resource and be top-ofmind. Best of all? This program is free to both you and your real estate partners. Take advantage of email campaigns, flyers, and trainings to create a new value added touch point with those that mean the most for your business.

Facebook 101 Videos and photos

receive the MOST

engagement. The

best

time

Only use 1 or 2 hashtags per post. Engagement drops if you use 3+.

Facebook posts with <40 characters receive

to

post on Facebook

is weekdays

86% higher engagement

than those with more.

between 1 and 4pm.

The most effective thing you can do is post a photo of your buyers at the closing and tag them. Remember, people are following your business page for you – not your listings.

Show personality, have fun , and post interesting content. Sources: Buffer, Business 2 Community, Hootsuite, HubSpot. *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).

Let’s talk! I am here to help you grow your business and sell more homes.

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EDGE

Your Guide to the Largest Social Network


Technology

Licensing

W

hen 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.

A

t 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

Encompass 360 Bankers Edition LOS

licenses, providing insight to license inquiries,

NYLX – Pricing Engine Online. Anytime, Anywhere!

and assistance with new license applications. •

Provide discounted savings to NMLS approved

Fully Paperless Operations

pre-licensing and continuing education

Expense Reimbursement Smart Phone App

vendors as well as state exam prep material.

Fully-Staffed IT Help Desk at Your Service!

Human Resources

W

e 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 is as easy as 1-2-3 to manage all your AFN employee benefits.

Benefits include: •

Insurance

Direct Deposit

Flexible Spending Account

Medical Insurance

401(k) Retirement

Dependent Care

Dental Insurance

Life Insurance

Vision Coverage

Disability Insurance

Medical Out-of-Pocket Expense


Corporate: 10 Pointe Dr, Suite 330, Brea, CA 92821 | NMLS: 237341 Branch: 5161 E Arapahoe Rd. Suite 100, Centennial, CO 80121 | NMLS #1574535 Equal Opportunity Employer

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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. American Financial Network, Inc. is licensed by the Colorado Mortgage Company Registration under Nationwide Mortgage Licensing System (NMLS), unique identifier of 1574535. Regulated by the Division of Real Estate. Refer to 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 92821; 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 content in this advertisement is for informational purposes only.


Take Your Career To The Next Level