Elevate Your Career - JJ

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.

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 all geographic markets in a fluctuating, sometimes volatile secondary market requires a nimble team with a commitment to core values. Our values place strong emphasis on streamlined operations, a flat management model focused on production support, and a customer service approach designed to exceed expectations at every level.

Sales Focused Strategy

AFN’s branching strategy reflects a flexible and empowering culture; one that rewards effective leadership and provides the support your team needs. Our role is to simplify processes and remove obstacles, allowing Branch Managers and their teams to focus on building their business, achieving goals, surpassing milestones, and enjoying the benefits of our collective successes.

Licensed in 50 States + D.C.*

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

*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.

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.

Milestones

2001

Jack Sherman forms AFN in Chino Hills, CA

2013

AFN Becomes FNMA Seller/Servicer and Ginnie Mae Issuer

2019

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

2009

AFN Receives FHA Full Eagle

2015

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

2012

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

2017

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

2020

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

2021

CULTURE Our

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

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.

PEOPLE

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.

INTEGRITY

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.

TEAMWORK

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.

EDUCATION

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.

HARD WORK

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.

TECHNOLOGY

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.

FUN

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.

SPEED

We deliver uncomplicated and timely underwriting, closings, and other services to our branches..

SCALE We believe in keeping things simple and straightforward. You won’t find overcomplicated or convoluted processes here. Excellence

Branch Relations Department Scenario Desk Typical 24-48 Hour Turn Times On Time, Every Time Closing 40+ Investors Agency Direct Purchase Prioritized Underwriting Easy Closing/Funding Advance Wires Decentralized Underwriting Paperless Process LENDING Speed. Scale. Simplicity. It’s simply the AFN way. 10

SIMPLICITY

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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.

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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 loyalty campaign on every closed loan, free of charge. These automatic communications will keep you in touch with your customers in a fun, interesting, and easy way.

Brand building made easy.

From promo to apparel, you’ll find it all online at the AFN Store. We pre-stock many items for fast shipping and also feature many choices. Event rentals can be easily ordered as well.

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 have the support of the AFN marketing team! We offer custom creative development including ideastorming, graphic design, copywriting and compliance review.

The library features more than 1,000 marketing pieces, from multi-media campaigns to direct mail postcards. Each piece is customized for you and is already compliance approved.

The CRM is integrated with Encompass and gives you access to all your contact details, scenarios, and marketing history. You can also manage/track leads within the system, free of charge.

Social Media Library

The AFN Social Media Library is fully stocked with posts, videos, and infographics to keep in touch with your clients and referral partners on social networks.

Co-Branded Marketing Referral Partner Marketing

We know your Referral Sources are the lifeblood of your business. AFN Marketing provides turnkey solutions that create opportunities to develop new and existing referral source relationships!

At AFN, you’ll have access to ondemand co-brandable marketing materials, as well as co-marketing systems that help you find top referral partners, earn their trust, and form lasting relationships.

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 NYLX – Pricing Engine Online Anytime, Anywhere!

Fully Paperless Operations 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 Job Functions

• One system integration

• Position specific dashboards

• Performance metrics

• Robust production reporting and analytics engineered to give you a spherical macro level perspective of branch performance trends

• Goals and leaderboards

• Sales inputs desired annual comp goal

• Health Rings show daily, weekly work needed to hit comp goal

• Real time financials with loan and LO level profitability

• Market View: know your competition to vet your recruits

SNAP App

• Borrower Web-based POS for Easy Interaction

• Initiates application

• Runs their own credit check

• Uploads requested items

• Verifies assets with eVerify

• Inputs appraisal payment info

• Works on any device including Mac and iOS

• SimpleNexus Available

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.

can count on us to:

Assist Loan Officers with maintaining active licenses, providing insight to license inquiries, and assistance with new license applications.

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