Are you ready to elevate your career? Join AFN today! AS

ARE YOU READY TO

Adam Stephens

925.878.9590

Area Manager

astephens@afncorp.com

NMLS #841321

www.afncorp.com/adamstephens

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

02

Reshaping the MORTGAGE

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.

03

About Us 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 the Commonwealth of Puerto Rico 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.

04

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.

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.

Growth & Expansion Sustained

growth

across

Sales Focused Strategy

Licensed in 50 States + D.C.*

AFN’s branching strategy reflects

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

all geographic markets in a

a

fluctuating, sometimes volatile

culture; one that rewards effective

secondary market requires a

leadership

nimble team with a commitment

support your team needs. Our

to core values. Our values place

role is to simplify processes

strong emphasis on streamlined

and remove obstacles, allowing

operations, a flat management

Branch Managers and their teams

model focused on production

to focus on building their business,

support, and a customer service

achieving

approach designed to exceed

milestones,

expectations at every level.

the benefits of our collective

flexible

and and

empowering provides

goals, and

the

surpassing enjoying

Commonwealth of Puerto Rico.

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

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

successes.

*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.

05

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.

06

Milestones 2001

2009

2012

Jack Sherman forms AFN in Chino Hills, CA

AFN Receives FHA Full Eagle

AFN Funds > $1B and is Licensed in 17 States

2013

2015

2017

AFN Becomes FNMA Seller/Servicer and Ginnie Mae Issuer

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

AFN Funds > $4B, Ranked one of America’s Fastest Growing Companies

2019

2020

2021

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

AFN Funds > $13.6B and Funded > $1B 9 Months In A Row

AFN Funds > $13B and Ranked Top Mortgage Employer

07

08

Our

CULTURE

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

PEOPLE

HARD WORK

INTEGRITY

TECHNOLOGY

TEAMWORK

FUN

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.

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.

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.

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.

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.

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.

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.

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.

09

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.

Speed. Scale. Simplicity.

It’s simply the AFN way.

SPEED

SCALE

SIMPLICITY

We deliver uncomplicated and

Our balance sheet and paperless

We believe in keeping things simple

timely underwriting, closings,

processes

and straightforward. You won’t find

and other services to our

scalability to meet your market

overcomplicated

branches..

demands.

processes here.

tremendous

or

convoluted

Branch Relations Department

Purchase Prioritized Underwriting

Scenario Desk

Easy Closing/Funding

Typical 24-48 Hour Turn Times

Advance Wires

On Time, Every Time Closing

Decentralized Underwriting

40+ Investors

Paperless Process

Agency Direct

10

provide

ALL THE TOOLS YOU NEED WITHOUT THE RED TAPE. 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 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 Originators to broker whenever necessary. Having such a wide variety of products gives us a unique advantage.

THE PRODUCTS YOU NEED TO GET THE BUSINESS YOU WANT. •

Asset-Based

•

Fannie Mae Direct

•

Manufactured Housing

•

Construction-Perm

•

FHA, VA, USDA

•

Non-QM

•

Delegated

•

FHA 203k Rehab

•

Reverse Mortgage

Non-Conforming

•

Ginnie Mae Direct

•

State Bond Programs

Down Payment Assistance

•

Jumbo

•

Plus more!

•

*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.

11

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.

Keeping referral relationships strong.

We provide our Loan Officers a 3-year

From promo to apparel, you’ll find it all

loyalty campaign on every closed

online at the AFN Store. We pre-stock

loan, free of charge. These automatic

many items for fast shipping and also

communications will keep you in touch

feature many choices. Event rentals can

with your customers in a fun, interesting,

be easily ordered as well.

and easy way.

12

Brand building made easy.

Individual 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 their applications online via AFN’s SNAP app.

Websites include full 1003.

All the Marketing Tools YOU NEED TO SUCCEED

In-House Marketing & Design Team

On-Demand Marketing Library

Company Paid CRM & Marketing Suite

You have the support of the AFN

The library features more than 1,000

The

marketing team! We offer custom

marketing pieces, from multi-media

Encompass and gives you access to

creative development including idea-

campaigns to direct mail postcards.

all your contact details, scenarios,

storming, graphic design, copywriting

Each piece is customized for you and

and marketing history. You can

and compliance review.

is already compliance approved.

also manage/track leads within the

CRM

is

integrated

with

system, free of charge.

Social Media Library

Referral Partner Marketing

Co-Branded Marketing

The AFN Social Media Library is

We know your Referral Sources are

At AFN, you’ll have access to on-

fully stocked with posts, videos, and

the lifeblood of your business. AFN

demand

infographics to keep in touch with

Marketing provides turnkey solutions

materials, as well as co-marketing

your clients and referral partners on

that create opportunities to develop

systems that help you find top

social networks.

new and existing referral source

referral partners, earn their trust, and

relationships!

form lasting relationships.

co-brandable

marketing

13

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-theart telecom system keeps your branch closely connected to corporate.

Encompass 360 Bankers Edition LOS

Fully Paperless Operations

NYLX – Pricing Engine Online Anytime, Anywhere!

Expense Reimbursement Smart Phone App Fully-Staffed IT Help Desk at Your Service!

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

•

Goals and leaderboards

Job Functions

•

Sales inputs desired annual

•

One system integration

•

Position specific dashboards

•

Performance metrics

•

Robust production reporting and

comp goal •

needed to hit comp goal •

spherical macro level perspective of

•

branch performance trends

•

14

Real time financials with loan and LO level profitability

analytics engineered to give you a

SNAP App

Health Rings show daily, weekly work

Market View: know your competition to vet your recruits

Borrower Web-based POS for

•

Verifies assets with eVerify

Easy Interaction

•

Inputs appraisal payment info

•

Initiates application

•

Works on any device including

•

Runs their own credit check

•

Uploads requested items

Mac and iOS •

SimpleNexus Available

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

and assistance with new license applications.

vendors as well as state exam prep material.

WA MT

ME

ND VT

MN

OR ID WY NV

IL

AZ

KS

OK

NM

NJ

OH

IN

MO

WV

VA

DC

DE MD

KY NC

TN

SC

AR MS

TX

RI

CT

PA

IA

NE CO

MA

MI

UT

CA

NH

NY

WI

SD

AL

GA Puerto Rico

LA

FL

AK

HI

Currently Licensed

Corporate Office

Comprehesive 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

•

Commissions Paid Weekly

•

Life Insurance

•

Automated Payroll

•

Disability Insurance

•

Direct Deposit

•

Flexible Spending Account

•

401K Plan & Match Program

•

Medical Out-of-Pocket Expense

15

Branch NMLS# 1752199. American Financial Network, Inc. is licensed by the California Department of Business Oversight under the California Financing Law License (60DBO86431) and holds a CA Bureau of Real Estate, Real Estate Broker’s License (01317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 1752199. Broker is performing acts for which a license is required. Loans made or arranged pursuant to California Financing Law. 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: 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.

1841 4th Street, Suite D, Livermore, CA 94550 • Branch NMLS# 1752199

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