Be Social
In order for a Personal, Community or Business page to be considered compliant, you need to have these components Readily Visible:
*For Personal Pages, the below can go in your Bio/Intro section
*For Community or Business Pages, the below can go In the About or Information Section
•Your NMLS#
•Corporate NMLS#237341
*For Personal Pages, the below can go in your Social Links Section
*For Community or Business Pages, the below can go In the About or Information Section
•Your Personal AFN website (or AFN Approved Website)
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• Your AFN Email Your Branch Disclaimer in the information section as well as the standard disclaimer of: "The views expressed are my own and do not necessarily reflect those of American Financial Network, Inc.”
*The Branch Disclaimer will fit under the “Additional Information” The Character limit is 50,000 or for the New Pages Experience the About You Section.
Example:
The EHL must also be visible, this requirement can be met by putting the words on the profile or by choosing a cover photo with the EHL logo visible, these are provided by marketing.
AFN's Privacy Policy is also required under Page Info.
Example:
When creating the Button, choose “Send an email” and put the LO’s AFN email in so that prospective clients can email directly, unless otherwise instructed by the LO.
****IF YOU CREATE AN ADDITIONAL PAGE ON FACEBOOK, PLEASE WATCH THE VIDEO ON CREATING YOUR BUSINESS MANAGER AND CLAIM YOUR PAGE, INSTAGRAM ACCOUNTS, AD ACCOUNTS AND WHATSAPP ACCOUNTS.
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Your NMLS# Corporates NMLS#
Your AFN or AFN Approved website
"The views expressed are my own and do not necessarily reflect those of American Financial Network, Inc.” (if room permits) For Social Coach your Instagram account MUST be a Professional Business account.
Threads will pull your Instagram profile over, so be sure to have this information on your Instagram account before setting up a Threads account or add the above to Threads as well.
Twitter Instagram
Your NMLS# Corporate NMLS#
Your AFN or AFN Approved website. You AFN Email for contact information
"The views expressed are my own and do not necessarily reflect those of American Financial Network, Inc.” (if room permits)
@afnlending
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State Specific Language
If you are licensed/advertising in any of the following states, this language must also be present on your social meda profile and/or the caption of any post.
Arizona (AZ) – Arizona Mortgage Banker License #
California (CA) - CRMLA Licensees = Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
CFL Licensees = Loans made or arranged pursuant to the California Financing Law
DRE Licensees = must disclose that they are licensed as a real estate salesperson or broker by the State of California (may do so using the following terms: broker, agent, realtor, loan correspondent, or the abbreviations bro., agt., or other similar terms or abbreviations). For first point of contact materials, a real estate broker or salesperson is required to disclose, at a minimum: (1) the real estate license identification number; (2) the responsible broker’s licensed name; and (3) the NMLS unique identifier endorsement number.
Colorado (CO) – Regulated by the Division of Real Estate
Georgia (GA) – Georgia Residential Mortgage Licensee
All advertisements mentioning an individual's (with Temporary Authority) ability to act as an MLO in GA must clearly and conspicuously disclose that the individual is operating under Temporary Authority in the state, is not currently licensed in GA, and has a pending application with the Department, which may be granted or denied.
Illinois (IL) – All advertisements: “For licensing information, please go to (https://nmlsconsumeraccess.org)”
Websites and social media: post license number and the address and telephone number of the Commissioner (Illinois Department of Financial and Professional Regulation, Division of Banking, 555 West Monroe Street, 5th Floor, Chicago, IL 60661, 1-888-473-4858)
Websites and social media, post the following disclosure: "STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department."
State Specific Language
If you are licensed/advertising in any of the following states, this language must also be present on your social meda profile and/or the caption of any post.
Massachusetts (MA) – Massachusetts Mortgage Lender License #
New York (NY) - Licensed Mortgage Banker - NYS Department of Financial Services
Rhode Island (RI) –Rhode Island Licensed Lender
Texas (TX)
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705.
COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKERS AND RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
Virginia (VA) - NMLS ID # __________ (www.nmlsconsumeraccess.org) – in a radio or TV advertisement this disclosure must be provided after the name of the mortgage lender or broker
Washington (WA) – Websites and Social Media: must contain a link to the company's NMLS consumer access website page on the company's and any loan originator's primary landing page.
If the company uses a DBA, the webpage must also contain the company's name as entered in the NMLS or license number.
Please Avoid When Posting...
Promissory Language
Absolute language (best, lowest, etc)
Politics
Religion
Rates
Controversial topics
Don't post photos of others UNLESS you have consent
Trigger terms (30 year fixed rate, apr, rates, payment amount)
Add "this offer is limited to _______state(s)" in product posts
If you do have any additional questions you can email marketing@afncorp.com