reals presentation.carriker.pdf

Last Updated: 01/31/25

About New American Funding New American Funding is one of the nation’s top mortgage lenders.

Celebrating its’ 20-year anniversary in 2023, the company is proudly privately-owned, focused on innovation, and built to last.

NAF is an industry leader in culture, dedication to service, and lending to underrepresented communities.

The company originates billions in loans each year and services 90% of its loans, which allows for it to diversity its revenue streams, build customer loyalty, and successfully navigate any market conditions.

NAF boasts an extensive line of loan programs as diverse as its clients, competitive rates, and industryleading turn times.

NAF takes it one step further in its commitment to increasing and sustaining homeownership among underrepresented communities across America.

Equal Housing Opportunity. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. Not applicable in NV. New American Funding, LLC is an Equal Opportunity Employer.

We believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. New American Funding, LLC NMLS #6606. nmlsconsumeraccess.org New American Funding. New American and New American Funding are registered trademarks of New American Funding, LLC. All Rights Reserved. Corp Office 14511 Myford Rd, Ste 100, Tustin, CA 92780. Ph 800-450-2010. 10/24

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What’s Your Legacy?

You’re one of the top real estate agents in your community. Why not take the next step and become a licensed Loan Officer as well?

When you partner with NAF REALs, we’ll give you the mentorship you need to guide you through the licensing process so you can be the only resource your clients need when buying a new home!

Equal Housing Opportunity. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. Not applicable in NV. New American Funding, LLC is an Equal Opportunity Employer.

We believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. New American Funding, LLC NMLS #6606. nmlsconsumeraccess.org New American Funding. New American and New American Funding are registered trademarks of New American Funding, LLC. All Rights Reserved. Corp Office 14511 Myford Rd, Ste 100, Tustin, CA 92780. Ph 800-450-2010. 10/24

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In this scenario, let’s assume the purchase price is $375,000 with a 95% loan-to-value (LTV) and gross commission income (GCI) of 2.5%.

Money Left On The Table Through NAF REALs, you have the ability to significantly increase your earning potential.

REAL ESTATE AGENT (REA) SPLIT

BROKER SPLIT

REA PAYOUT

REAL ESTATE AGENT LOAN OFFICER (REAL)

PAYOUT INCREASE AS REAL

90%

10%

$8,438

$1,781

21%

80%

20%

$7,500

$1,781

24%

70%

30%

$6,563

$1,781

27%

60%

40%

$5,625

$1,781

32%

50%

50%

$4,688

$1,781

38%

Now, let’s look at some programs that pay lower splits, such as leads, referrals, etc.

REAL ESTATE AGENT (REA) SPLIT

BROKER SPLIT

REA PAYOUT

REAL ESTATE AGENT LOAN OFFICER (REAL)

PAYOUT INCREASE AS REAL

40%

60%

$3,750

$1,781

48%

30%

70%

$2,813

$1,781

63%

20%

80%

$1,875

$1,781

95%

10%

90%

$938

$1,781

190%

This is the equivalent of $1,781 per deal, or $21,375 for 12 deals!

Equal Housing Opportunity. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. Not applicable in NV. New American Funding, LLC is an Equal Opportunity Employer.

We believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. New American Funding, LLC NMLS #6606. nmlsconsumeraccess.org New American Funding. New American and New American Funding are registered trademarks of New American Funding, LLC. All Rights Reserved. Corp Office 14511 Myford Rd, Ste 100, Tustin, CA 92780. Ph 800-450-2010. 10/24

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Earning Potential Calculator

Use this interactive calculator to see how muchyou could earn! Simply inputyournumbers into the appropriate fields and see the real-time calculations of your earning potential.

$ 800,000

$ 48,000

PERSONAL PURCHASE VOLUME/MONTH

LEVEL

Potential Total NAF REALs Income

PERSONAL COMMISSION PER YEAR

$ 806,500

$ 4,033

$ 8,667

CONVENTIONAL LOAN LIMIT

MAX LO COMP/CONVENTIONAL LOAN

TOTAL POTENTIAL NAF REALs INCOME PER MONTH

$ 524,225

$ 2,621

$ 104,000

FHA LOAN LIMIT

MAX LO COMP/FHA LOAN

TOTAL POTENTIAL NAF REALs INCOME PER YEAR

# OF USERS

PAYOUT

AVERAGE LOAN AMOUNT

# LOANS PER USER/ YEAR

PERSONAL COMMISSION

MAX OR CONVENTIONAL

MAX OR FHA

1

20

5 bps

$ 350,000

4

$ 14,000

$ 403

$ 262

2

40

5 bps

$ 350,000

4

$ 28,000

$ 403

$ 262

3

20

5 bps

$ 350,000

4

$ 14,000

$ 403

$ 262

Reset to Defaults Equal Housing Opportunity. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. Not applicable in NV. New American Funding, LLC is an Equal Opportunity Employer.

We believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. New American Funding, LLC NMLS #6606. nmlsconsumeraccess.org New American Funding. New American and New American Funding are registered trademarks of New American Funding, LLC. All Rights Reserved. Corp Office 14511 Myford Rd, Ste 100, Tustin, CA 92780. Ph 800-450-2010. 10/24

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Example Downline Scenario 1

Level 1 Producers

Demystifying Downline Shares

Level 2 Producers Level 3 Producers Example Downline Scenario 2

Level 1 Producers Level 2 Producers Level 3 Producers

To share in your level 2 downline, you must have 7+ level 1 producers.

Now that you have at least 7 level 1 producers, you share in your entire level 2 downline!

You do not, however, have enough level 1 producers to share in your level 3 downline.

Example Downline Scenario 3

Level 1 Producers Level 2 Producers

To share in your level 3 downline, you must have 20+ Level 1 producers.

With only six level 1 producers in your downline, you do not meet the threshold to share in your level 2 or level 3 downlines.

Level 3 Producers

There is no limit on the number of downline producers you’re sharing with at the tier you’re eligible for. Only your level 1 downline producers count towards your tier threshold.

Example Downline Scenario 4

Level 1 Producers Level 2 Producers Level 3 Producers

Once you’ve got 20 or more level 1 downline producers, you’ve hit the threshold for tier 3.

At Tier 3, you now share in your entire level 3 downline!

Equal Housing Opportunity. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. Not applicable in NV. New American Funding, LLC is an Equal Opportunity Employer.

We believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. New American Funding, LLC NMLS #6606. nmlsconsumeraccess.org New American Funding. New American and New American Funding are registered trademarks of New American Funding, LLC. All Rights Reserved. Corp Office 14511 Myford Rd, Ste 100, Tustin, CA 92780. Ph 800-450-2010. 10/24

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Frequently Asked Questions What is a REAL? REALstandsforRealEstateAgent Loan [Officer], who will be paid commissions for all eligible loans closed and an override on their downline.

I thought as a Real Estate Agent I could not get paid on the same transaction as a Loan Constultant?

REALs do not referclientstoNAF.Referralsare notallowed in Section8of RESPA. You will be a licensed Mortgage Loan Originator (MLO) who is originating mortgage loans on behalf of NAF.

What mortgage products can I get paid on?

FHA, Conventional, VA, and USDA mortgages are eligible for payment.

How do I obtain my Mortgage License?

NAF willassist youin obtainingyour mortgagelicense. Wehave online providers for Pre-Licensing education as well as Continuing Education at a discounted rate. We also have a person dedicated to help set you up for success from start to finish.

What states are eligible?

AllstatesareeligibleexceptLouisiana,Rhode Island, and Utah.

Equal Housing Opportunity. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. Not applicable in NV. New American Funding, LLC is an Equal Opportunity Employer.

We believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. New American Funding, LLC NMLS #6606. nmlsconsumeraccess.org New American Funding. New American and New American Funding are registered trademarks of New American Funding, LLC. All Rights Reserved. Corp Office 14511 Myford Rd, Ste 100, Tustin, CA 92780. Ph 800-450-2010. 10/24

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To learn more about this exciting new program, please feel free to reach out to me any time!

Alex Carriker

Branch Manager | NMLS # 1283419

417.209.7463

Alex.Carriker@NAFinc.com NAF.com/AlexCarriker Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. Not applicable in NV. New American Funding, LLC is an Equal Opportunity Employer. We believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. New American Funding, LLC NMLS #6606. nmlsconsumeraccess.org New American Funding. New American and New American Funding are registered trademarks of New American Funding, LLC. All Rights Reserved. Corp Office 14511 Myford Rd, Ste 100, Tustin, CA 92780. Ph 800450-2010. 10/24

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NAF REALs — Build Your Legacy