Delaram

Thank you for considering New American Funding as your next home.

Attached you will find all the amazing and incredible things NAF can do not only for you as a Loan Consultant, but for your referral partners and for your clients. Commitment to great service is our passion and we strive to provide the highest level of customer service in the industry. We recognize that your success is our success and we hope you see that throughout this presentation. We will support you at every turn - from customized marketing to regionalized operations, we provide everything you need to create a smooth process and successful outcome for your clients.

Customers may be shopping for price but they’ll leave remembering the process. In the financial lives of many of our customers, nothing is more important than homeownership. We are privileged to have the opportunity to participate in this process.

Please consider this your invitation to join our winning team at New American Funding!

Delaram Norman Delaram Norman Branch Manager

ALL

About Us

NAF 360

We live by the values of our NAF 360 company culture. We work hard, but never forget to treat and support one another like family. We team up with our coworkers to participate in charity drives, fun challenges and competitions. We remember to say thank you to those that help us every day, and offer a helping hand to someone new.

BETTER BUSINESS BUREAU PACIFIC SOUTHWEST

Family-owned, New American Funding is an independent mortgage lender headquartered in Orange County, California, that is dedicated to helping other families and individuals improve their quality of living through home ownership. In 2003, founders Rick and Patty Arvielo combined their expertise to create a progressive business that quickly grew from a 40-employee call center into a national mortgage banker and industry powerhouse.

Leveraging technology and streamlined operations, they created a lending process that became highly efficient. Rick used his technical aptitude to design the New American Funding business model around time saving software, while Patty provided crucial insight from her extensive mortgage background that ultimately brought the entire loan process in-house.

Our

Story

Her hands-on cultivation of a top-producing sales force that shared her passion for the community and her drive to succeed enabled the company to achieve industry-leading loan closing times. Rick continued New American Funding’s forward momentum by capitalizing on his expansive marketing knowledge to spearhead the development of a state-of-the-art marketing division and a full in-house production studio where cutting-edge video content is routinely created.

The company is a Fannie Mae, Freddie Mac, and Ginnie Mae direct lender, seller, and servicer that operates its own builder and real estate based lending divisions, as well as a large loan-servicing unit. The company has achieved tremendous business success in a short time frame, and believes their family-like culture that emphasizes teamwork, unity, and fun is what sets them apart.

ALL

About Great Lakes South Florida

GLSoFLo The Great Lakes South Florida Region is almost like a company on its own. New American Funding understands that no two markets are the same. We are able to provide Loan Officers with their own local support staff that can maneuver the state you are in. We are backed and supported by the amazing family-owned lender that operates in California, but get the privilege of operating in the Great Lakes South Florida like your clients do. We call that a WIN-WIN!

Our

Relationship Builders ELLY CUMMINGS

YOU

SENIOR VICE PRESIDENT

Elly is our fearless GLGC leader. She is the glue that holds all departments together and supports the team on a daily basis. From ops to sales...she has done it all!

Rachael Clark

Jim Steel

MARKETING MANAGER

REGIONAL MANAGER

JIM STEEL

REGIONAL MANAGER

You want to know what goes on behind the scenes to make sure every Loan Officer is taken care of? Step inside Jim’s office and he will walk you though a day in his life!

RACHAEL CLARK

MARKETING MANAGER

You want it? We got it! From social media management to custom presentations - your GLGC Marketing team can make it happen.

Home

Elly Cummings

YOUR TEAM

SENIOR VICE PRESIDENT

Your Home Team LOCAL SUPPORT

BUSINESS DEVELOPMENT | PRICING SCENARIOS LEAD GENERATION | COACHING | RECRUITING DEAL STRUCTURE SUPPORT | MARKETING

YOUR

Home Team Jim Steel

REGIONAL MANAGER Jim is your go to guy when you don’t even know where to start or where to go. He has been in the business for so many years we have honestly lost count, but you can count on him to support you every single day!

Delaram Norman BRANCH MANAGER

Delaram will work with you to enhance your current referral relationships along with helping you develop new relationships. Her goal will be to help you expand your business to infinity & beyond! And trust us.... she WILL make it happen!

Shane Kvidera

LOA/ ONBOARDING SPECIALIST Transitions are hard... but if you make friends with Shane they suddenly become easy. He helps you transition your pipe and learn all our little NAF nuances to make sure you are up to speed ASAP.

Our

Promise to Make Homeonwership More A Promise

Our

We are the nation’s largest home loan company founded by a Latina, Co-founder and President, Patty Arvielo. We have dedicated ourselves to hiring Hispanic personnel with excellent professional ethics, and although 25% of our agents are Hispanic, our commitment goes even further. By 2024, we are committed to providing $25 billion in home loans to the Hispanic community.

The New American Dream initiative combines hard work, integrity, a team effort, and continuous learning to increase the rate of Black Homeownership in America. Our purpose is to provide racial equity and build consumer confidence through home buying education, accessibility to credit, and mortgage industry career opportunity awareness to Black communities.

New American Funding believes in supporting our Veterans and Active-duty Military. We take great pride in creating opportunities for Veterans and Active-duty personnel who selfless serve to protect our Nation. At New American Funding, we are committed to l ending $12 billion in new mortgages to Veteran and Active-duty Military borrowers by 2024

#1

Accesible Frank Fuentes

NATIONAL VICE PRESIDENT, MULTICULTURAL COMMUNITY LENDING

Charles Lowery

DIRECTOR OF LEGISLATIVE POLICY & EXTERNAL AFFAIRS

Sam Ellsworth SVP, NATIONAL RETAIL SALES

LARGEST LATINA-OWNED MORTGAGE COMPANY IN THE U.S. LENDER TO HISPANICS. 25% HIGHER THAN ANY OTHER TOP 25 LENDER

23% 63% OF OUR WORKFORCE IS HISPANIC.

13%

OF OUR 2020 BUSINESS WAS BLACK PURCHASE LOANS.

OF OUR HOME LOANS ARE TO MINORITIES.

85%

MORE LENDING TO BLACK BORROWERS THAN THE INDUSTRY .

45% 51% OF OUR WORKFORCE ARE MINORITIES.

MORE LENDING TO HISPANIC BORROWERS THAN THE INDUSTRY .

GLSoFlo SUPPORT Processing and underwriting, is all done under our GLSoFlo roof, which means better control of the service experience. Our team provides efficient turn-times and embodies excellent communication skills.

Ingrid Peterson

PROCESSING MANAGER

Ingrid herds cats... well not really, but I am sure it feels like that some days! Ingrid ensures all loans her team process are done accurately and efficiently all while being interrupted on a

Zach Reimringer FUNDING MANAGER

I would make Zach your best friend ASAP. He is in charge of making sure loans fund accurately and on-time. He hustles hard on the back end to make it all happen for our LOs and we are so

Tyler Peterson

AREA PRODUCTION MANAGER

YOUR

Local Operations SPECIALIZED SUPPORT THAT UNDERSTANDS THE LOCAL MARKET, PRODUCTS AND BORROWERS!

We would actually like to rename Tyler and Randy to... “Area Production NINJAS”. I’m sure HR wouldn’t mind. Having two APMs on staff for the GLGC region changes the loan pipeline game they are completely dedicated to our Loan Officers and “efficiency” is their middle name.

Randy Hammer

AREA PRODUCTION MANAGER

Ditto to Tyler.

APM ROLE: Centralized support for loan level escalation: • Loan structuring and qualification support • Credit challenge escalations • Prioritization and rushes for processing, underwriting and doc drawing Dedicated pipeline management for timeliness, closing dates and lock periods. Transaction and pipeline management required by local markets.

TEAMWORK MAKES THE DREAM WORK!

OUR

Digital Marketing Coordinators Our Digital Marketing Coordinators are all a part of our GLSoFlo Marketing Team. They are here to support your marketing efforts to past, current and prospective clients and referral partners as well as act as an extension of you with your Realtors. Your Marketing Account Executives can meet with Realtors to show them how to market themselves and grow their business through co-branding with YOU. This ensures you keep and build stronger relationships with your referral partners.

Your Digital Marketing Coordinator is there to help you look good, to take care of the details, provide you with innovative and exciting ideas on a daily basis. They will help you brand your mortgage business and take it to the next level with their professional marketing skills.

Anything you can dream of - a NAF Marketing AE will be able to create! You can trust your MAE to take the marketing wheel - so you can focus on what you do best: closing deals.

OUR

Personalized Marketing

CO-BRAND

CREATE

Your Digital Marketing Coordinator can co-brand you on just about anything - from Single Property Websites to Rate Plug Flyers. These pieces are completely customizable and made from scratch.

Your Digital Marketing Coordinator will help organize and coordinate events, promotions, mailings and various marketing campaigns AND create custom flyers, booklets and brochures that make YOU look good.

SOCIAL MEDIA

CRM

Hand your social media keys over.

Your Digital Marketing Coordinator will be able to create & execute a custom social media strategy that not only gets people talking, but also generates leads. New graphics are ALWAYS in your inbox!

Your Digital Marketing Coordinator is an expert at our proprietary CRM that syncs with NAF’s loan operating system. They will help you set up milestone updates, customize the post close campaign, blast out emails and so much more!

Focusing on technology and innovating tools for our loan officers and real estate partners to serve Millennials is a result of long-term planning, Creating a business model that promotes loan officers and their personal brand, rather than corporate, is the approach we believe is best for serving consumers and for our loan officers/partners. - Rick Arvielo, CEO

OUR

Co-Branding

DRIP CAMPAIGNS & MILESTONE EMAILS

Professionally designed, drip campaigns and co-branded milestone e-mails are sent to your buyers at each of the stages in the loan process!

CO-BRANDED MORTGAGE STATEMENTS

POST CLOSE Keep the conversation going with beautiful greeting cards and drip emails.

Hope you have a great Birthday!

Hope you find time lots of time to relax!

CO-BRANDED CLOSING Our new closing card features a fold-out contact card displaying Loan Officer and real estate partner contact information.

OUR

Marketing Platform

Personalize and co-brand marketing materials in seconds Personalize and with our comprehensive marketing portal. co-brand marketing materials in seconds with our state of the art marketing portal.

Just a click of a button and “wah-la”!

Or just ask your GLSoFlo Marketing Team and they can customize it for you!

All of our Loan Officers are equipped with personalized customizable websites , featuring a direct link to a 1003 form. LO’s can showcase testimonials, blogs and so much more!

OUR

Videographer Grow your business with cutting edge marketing with our in-house Videographer and Video Editor. They have the ability to produce and edit videos created JUST for you and your team.

OUR

Mobile Apps GoGo LO Giving Loan Officers quick access to their pipeline and office resources. It allows LOs to provide real estate partners and clients with their own mobile apps, Townify & GoGo Home.

Townify Provide your real estate partners with open house marketing materials, single property websites, a CRM etc. It also allows Realtors the ability to track the progress of the loan and their client’s home search.

GoGo Home Give your clients the ultimate home shopping app where they can shop for their dream home, get pre-approved, and easily get in contact with you.

You can also see what they are searching for!

YOUR

Online Reputation & Reviews

AUTOMATICALLY SHARE POSITIVE REVIEWS WITH SOCIAL SURVEY We know how important your online reputation is - so we help you gain the trust of potential clients by sharing your past client’s positive experiences. All positive reviews are automatically posted on your personal NAF website and your personal and/or branch social media pages - helping you stand apart from your competition!

NEW

American Approved HELP YOUR CLIENTS WIN IN MULTIPLE OFFERS!

YOUR

Local Buyer Connect

CONNECTING YOU TO THE FUTURE OF MORTGAGE REAL-TIME CONNECTIVITY YOU CAN OPT TO RECEIVE LIVE TRANSFERRED BORROWERS DIRECTLY TO YOUR PHONE AS A POTENTIAL LAYER OF BUSINESS. TARGETED LEAD GENERATION GEOFENCING - CONNECTING YOU TO LOCAL LEADS FOR EASIER CONVERSIONS CREATES NEW OPPORTUNITIES BUSINESS YOU’RE NOT GOING TO GET FROM YOUR REALTOR PARTNERS

92%

OF HOMEBUYERS DO ONLINE RESEARCH FIRST.

OUR

Buyer Accepted Program

Through this program, BUYER ACCEPTED will purchase your new buyer’s home with cash and sell it back to your buyer for the original purchase price plus a small 1.5% convenience fee - added to the purchase price of the home.

Benefits BECOME A CASH BUYER

It’s that easy!

Requirements:

GET YOUR OFFER ACCEPTED

3% of the selling price as earnest money

Loan Programs:

Conventional: Min. credit score 620, 3% DP VA: Min. credit score 620, 0% DP JUMBO: Max $2 Million Loan Amount

Min. credit score 680, 20% DP

CLOSE ON YOUR NEW HOME FASTER

IN SOME CASES, PAY LESS THAN THE ASKING PRICE

LIVE IN YOUR NEW HOME BEFORE SELLING YOUR CURRENT HOME

OUR

People

AT NEW AMERICAN FUNDING, WE BELIEVE IN ENJOYING EACH OTHER’S COMPANY WHILE WORKING HARD TO ACCOMPLISH EXTRAORDINARY RESULTS.

168

LOCATIONS IN 32 STATES

49

4,500

STATES WE FUND LOANS

OVER

AMAZING EMPLOYEES

Coming Soon!

Not Yet!

OUR

Places

OUR

Branch Statistics

22

49

NAF’S AVERAGE TIME FROM PURCHASE TO CLOSE

INDUSTRY’S AVERAGETIME FROM PURCHASE TO CLOSE

DAYS

WE CLOSE

DAYS

FA ST E R

OUR

Loan Officer's Take

“I love working at NAF because of the support not only by OPS but by other LO’s who are an email away.

We help each other excel and celebrate our accomplishments, NAF offers competitive products, low rates, and great marketing platforms, not only to us but to our realtor partners. In addition, we have an in-house customer service team that allows us to help our borrowers even after closing, I couldn’t ask for a better support family!”

“I came from a company that did not have the support or resources that I needed to grow my business and be successful as a LO. I knew exactly what I wanted when I was vetting new companies and I was not willing to waiver on those things. New American Funding checked all of the boxes that I was looking for.”

Cristina Payero

Olivia Eggen

Cristina Payero Loan Consultant NMLS #309923

Olivia Eggen Loan Consultant NMLS #1531037

“After many years in the mortgage industry, I finally found a place that ensures the mortgage process is a great experience for everyone and follows through every step of the way. New American Funding also provides me the flexibility to work from my cell phone using the GoGo LO app as I am always on the go. In the end, New American Funding creates an environment to grow and succeed every day with their amazing systems and support.”

Damon Mason Damon Mason Loan Consultant NMLS #533091

Join New American Funding and be a part of a mortgage family.

At New American Funding we put our people first. We take care of each other.

We offer incredible support - not just to our clients and referral partners, but to those in our communities and everyone that works inside the NAF walls.

We want you to be a part of our GLSoFlo family.

We want you to grow your business with our hardworking team, innovative tools and niche product options.

We want you to succeed at New American Funding - we will support you every step of the way.

We want you to have a healthy work life balance and thrive in our culture.

Best Regards,

Delaram Norman Delaram Norman Branch Manager