Elly Cummings, New American Funding | GLFL

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!

Elly Cummings ELLY CUMMINGS DIVISIONAL EVP

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.

8x Winner

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.

GL | FL The Great Lakes 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 Florida region like your clients do. We call that a WIN-WIN!

ALL

About Great Lakes Florida

Our

Promise to Make Homeownership More Acc 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 lending $12 billion in new mortgages to Veteran and Active-duty Military borrowers by 2024.

#1

cessible

Caroline Isern

SVP MULTI-CULTURAL LENDING

John Drumgoole SVP, DIVERSE SEGMENTS

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

21%

OF OUR WORKFORCE IS HISPANIC.

63%

OF OUR HOME LOANS ARE TO MINORITIES.

55% 85% OF OUR WORKFORCE ARE FEMALE.

MORE LENDING TO BLACK BORROWERS THAN THE INDUSTRY .

41% 51% OF OUR WORKFORCE ARE MINORITIES.

MORE LENDING TO HISPANIC BORROWERS THAN THE INDUSTRY .

GL | FL SUPPORT Processing and underwriting, is all done under our Great Lakes Florida roof, which means better control of the service experience. Our team provides efficient turntimes 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 semi-constant basis.

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 thankful he does!

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 GLSoFlo 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

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

VIDEO

Marketing Team SOCIAL MEDIA

VIDEO CONTENT WRITE UP SCRIPTS AND SEND OUT IDEAS. THEN MAKE SURE IT GETS EDITED AND POSTED.

MARKETING

POST CLOSE MARKETING TESTIMONIALS / REVIEWS GIFTS AND HANDWRITTEN CARDS, ADD CLIENTS TO EXPERIENCE SURVEYS, GOOGLE REVIEWS, SOCIAL MEDIA, ADD CHECK-INS TO YOUR CALENDAR, FACEBOOK, ETC. & REVIEW REALTORS. AND FOLLOW UP ON REVIEWS. MANAGE SOCIAL MEDIA PAST CLIENT MARKETING FACEBOOK, INSTAGRAM, LINKED IN, ENSURE THEY ARE ON PROPER CAMPAIGNS, YOUTUBE, TIKTOK, ETC. INVITED TO FUTURE EVENTS AND MARKETED TO CONTENT CREATION COMPLETELY CUSTOMIZED VALUABLE DIGITAL, APPROPRIATELY TO CAPTURE REFERRALS AND REFI BUSINESS. PRINT AND VIDEO CONTENT. CO-BRANDING AGENT CLASSES TEACH AND TRAIN AGENTS ON NAF MARKETING BI-WEEKLY GRAPHICS, LISTING/OPEN HOUSE FLYER’S, CUSTOM REQUESTS, VIDEOS, ETC. TOOLS & OTHER MARKETING/SOCIAL MEDIA CUSTOM MARKETING TECHNIQUES. YOU NAME IT! POSTCARDS, FLYER’S, GRAPHICS, ETC. EMAIL MARKETING MAILCHIMP, BV, TEMPLATE DESIGN, ETC.

DATABASE

DATABASE MANAGEMENT IMPORT AND MANAGE CONTACTS AND SET UP ON APPROPRIATE BV EMAIL CAMPAIGNS.

GENERAL

ACCOUNTABILITY KEEP LOAN OFFICERS ACCOUNTABLE FOR OPPORTUNITIES TO GROW THEIR BUSINESS. RELATIONSHIP MANAGEMENT WITH REALTORS BE THE BRIDGE BETWEEN LOAN OFFICER AND REALTORS RELATIONSHIP, MAKING SURE IT STAYS STRONG.

HABLO ESPAÑOL

Rachael Clark

DIVISIONAL MARKETING MANAGER

Zintia Melendez

REGIONAL MARKETING MANAGER

Kacey Medenwaldt GRAPHIC DESIGNER

Meagan Lowe

DIGITAL MARKETING COORDINAATOR

Angela Schoenbauer DIGITAL MARKETING COORDINAATOR

Ian Olson

VIDEOGRAPHER

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.

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 GLFL 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!

WE PROUDLY SERVICE

98%

OF OUR CONVENTIONAL & FHA/VA LOANS IN-HOUSE

OUR

New American Approval NEW AMERICAN APPROVED

THE BEST PRE-APPROVAL IN THE INDUSTRY Borrower: Co-borrower:

Pre-Approval date:

PRE-APPROVED LOAN TERMS: Loan type: Purchase price:

Terms: LTV: CLTV:

This pre-approval is contingent on the sale of another property: YES

NO

The borrower(s) listed above have been pre-approved for mortgage financing with New American Funding. This pre-approval is based on the credit, income, and assets provided by the borrower(s). Loan terms have been qualified using current market rates for the property at: Final approval is subject to a fully executed purchase agreement, acceptable appraisal, clear title, third party verifications, and final underwriting review. This includes but not limited to, reverification of credit and employment within 48 hours prior to the loan closing pursuant to standard secondary market saleability guidelines.

This pre-approval is valid only with New American Funding, a full-service licensed mortgage lender. Please contact me should you need further assistance at:

Programs and property exclusions apply. All the above terms and conditions are subject to the borrowers Satisfying all underwriting guidelines and loan approval contions and providing an acceptable property, appraisal, and title report. Not all applicants will qualify. www.newamericanfunding.com. NMLS #6606.

HELP YOUR CLIENTS WIN IN MULTIPLE OFFERS STAND OUT AGAINST THE COMPETITION PROVIDE THE SELLER CONFIDENCE IN BUYER’S FINANCING

OUR

Technology

IGNITING YOUR CAREER WITH TECH. OUR ROBUST CRM SYSTEM AND ADVANCED MOBILE APP HELP YOU MANAGE YOUR PIPELINES, COMMISSIONS, EMAIL CAMPAIGNS, ACCOUNTING, MARKETING AND MORE WITH 24/7 ACESS FROM ANYWHERE!

CAMPAIGN BUILDER

INTEGRATED PLATFORMS

Build your own customized text, exmail and voice campaigns or use preexisting templates.

Integrated with MBS Highway, MortgageCoach, and Homebot help you stay ahed of the game.

LOAN MANAGEMENT

MESSAGING

Review 1003 details, analyize all outstanding conditions for the file.

Connect with clients at scale using video, voice & text.

PROSPECT MANAGEMENT

AGENT INTELLIGENCE

Run credit, send a pre-approval, update their prospect status, etc.

MMI. Run. Search for local real estate agents to partner with, branches to contact, offices to connect with.

5-YEAR RATE PROTECTION PLEDGE If rates drop, buyers can refinance into a lower rate with no repeat fees

NAF PATHWAY Provides first-time homebuyers select areas up to $8,000 in assistance

BUYDOWN MORTGAGE Can reduce buyers’ first-year, second-year, and third-year payment rate

HOME IMPROVEMENT Cash-out refinance, HELOC, FHA, 203(k) loans, VA Reno

INTERSTATE LENDING Have a client moving to a new state? We specialize in these situations

ONE-TIME CLOSE LOAN For new construction, a single loan covers property, construction, and mortgage

NON-QM & JUMBO We have a full suite of loans to fit borrowers of all shapes and sizes, no matter how unique their situation is

REVERSE MORTGAGE Enables older homeowners to convert a portion of their home equity into cash

ITIN Client may qualify for home loan using their ITIN number

BANK STATEMENT Self employed clients may qualify using bank statements or asset depletion

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Contact & Location

Reviews

Rating

About

2072499933

Cheryl Stokes

Cheryl.Stokes@Nafinc.com

Loan Consultant | NMLS #1301768

Reviews

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Marco Island, FL

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Licenses

J

NMLS #1301768 Florida

Contact & Location 2072499933

YOUR Cheryl.Stokes@Nafinc.com

Jami M

Lehigh Acres, FL

Posted on April 29th, 2023 05:16 PM

Cheryl made buying a home a great experience for us. Sh Reviews Rating About Contact e kept us updated on everything and helped us with every detail start to finish. We will recommend Cheryl to others that want to buy a home.

Reviews

Pinned Latest

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Marco Island, FL

AUTOMATICALLY SHARE POSITIVE REVIEWS WITH SOCIAL SURVEY

�.� �.� we help you gain the trust of potential clients by We know how important your online reputation is - so sharing your past client’s positive experiences. All positive reviews are automatically posted on your Licenses personal NAF website and your personal and/or branch social pages - helping you stand apart Jami M media John U Posted April29th, 26th, 2023 2023 03:31 Posted ononApril 05:16PM PM J JLehighLehigh from your competition!

Acres,Acres, FL FL NMLS #1301768 Florida

YOUR

NAF Leads

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 GEO-FENCING - CONNECTING YOU TO LOCAL LEADS FOR EASIER CONVERSIONS CREATES NEW OPPORTUNITIES BUSINESS YOU’RE NOT GOING TO GET FROM YOUR REALTOR PARTNERS

92%

OF HOME BUYERS DO ONLINE RESEARCH FIRST.

HOME INVENTORY IS AT AN ALL-TIME LOW, IT’S A SELLER’S MARKET, AND CASH BUYERS HAVE THE ADVANTAGE, BUT YOU CAN STILL COMPETE AND WIN. TO STAY COMPETITIVE AS A HOME BUYER YOU NEED TO BECOME A CASH BUYER!

GET YOUR OFFER ACCEPTED WITH NAF CASH, AN AFFILIATE COMPANY OF NEW AMERICAN FUNDING NAF CASH WILL PURCHASE YOUR NEW HOME WITH CASH AND SELL IT BACK TO YOU FOR THE ORIGINAL PRICE, PLUS A SMALL CONVENIENCE FEE. THIS FEE CAN BE ADDED TO THE PURCHASE PRICE OF THE HOME. REQUIREMENTS: 5% OF THE SELLING PRICE AS EARNEST MONEY

LOAN PROGRAMS: CONVENTIONAL - MIN. CREDIT SCORE 620, 5% DP VA - MIN. CREDIT SCORE 620, 0% DP HIGH BALANCE CONVENTIONAL MAX $2 MILLION PURCHASE PRICE

BENEFITS: BECOME A CASH BUYER

GET YOUR OFFER ACCEPTED

CLOSE ON YOUR NEW HOME FASTER

IN SOME CASES, PAY LESS THAN 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.

202

LOCATIONS IN 37 STATES

50

3,777

OVER

STATES WE FUND LOANS

AMAZING EMPLOYEES

Coming Soon!

Not Yet!

OUR

Places

OUR

Branch Statistics

22

DAYS

NAF’S AVERAGE TIME FROM PURCHASE TO CLOSE

49 DAYS

INDUSTRY’S AVERAGE TIME FROM PURCHASE TO CLOSE

WE CLOSE

FASTER

OUR

“Working at NAF is an absolute joy because it’s a place where we genuinely care about our clients, our community, our dedicated employees, and our valued partners. This deep sense of care and commitment creates a workplace where every day is fulfilling, knowing that we’re making a positive impact on all these fronts. It’s a privilege to be part of a team that places such a high value on the well-being and success of everyone we touch.”

Kenol Cadet Kenol Cadet Branch Manager

Loan Officer's Take

“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.”

Olivia Eggen Olivia Eggen Loan Consultant

“I work at NAF because I’m passionate about the support it provides, the innovative marketing strategies it employs, and the positive, inclusive environment it fosters. NAF’s mission to serve the underserved in the Latino community and beyond resonates with my values, and it gives me the opportunity to not only grow personally but also to contribute to my team’s growth and success.”

Raulyer Hernandez Raulyer Hernandez Branch Manager

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,

Elly Cummings ELLY CUMMINGS DIVISIONAL EVP