February
Crushing 2025: A Dual Approach to Goal-Setting and Thriving in Life and Sales
By Shane McGraw, Co-Branch Manager | Mortgage Insiders Branch
2024 has been a year of resilience and adaptation for many of us in the mortgage industry. The challenges we’ve faced have shown our strength but also left us yearning for renewal. As 2025 begins, we have the opportunity to reset and realign—both personally and professionally.
In this article, we’ll explore two frameworks of the 7 F’s—one for personal growth and the other for professional excellence. Together, these frameworks offer a holistic approach to goal setting, helping you create a blueprint for success in every area of your life.
The Personal 7 F’s: Building an Abundant Life
True success starts with a foundation of balance. These seven pillars of personal goalsetting—Faith, Family, Fitness, Friends, Finance, Field, and Fun—are designed to help you thrive in all areas of your life.
• Faith: Cultivate a deeper connection to your spiritual life or purpose. Start each day with gratitude, meditation, or prayer, and align your actions with your values.
• Family: Strengthen bonds with those who matter most. Schedule regular family dinners, engage in meaningful conversations, and prioritize quality time.
• Fitness: Invest in your health. Create a sustainable routine that incorporates exercise, healthy eating, and rest to fuel your energy and resilience.
• Friends: Build and maintain enriching relationships. Make time to connect, celebrate, and support your friends, remembering that joy multiplies when shared.
• Finance: Audit your personal finances. Build an emergency fund, invest wisely, and establish habits that support long-term financial security.
• Field: Pursue personal development. Whether it’s learning a new skill or embracing a passion project, grow in ways that challenge and inspire you.
• Fun: Life is meant to be enjoyed. Make time for hobbies, adventures, and experiences that bring you genuine happiness.
The Professional 7 F’s: Thriving in Sales and Business
Professional success requires focus, discipline, and a clear vision. These seven pillars of professional goal setting— Faith, Focus, Fitness, Family, Field, Finance, and Fun—offer a structured path to achieving excellence in your career.
• Faith: Maintain belief in your purpose and the value you bring to clients. Confidence and integrity are cornerstones of professional success.
• Focus: Prioritize your efforts. Time blocking, planning, and managing distractions are essential for maximizing productivity and results.
• Fitness: Success requires stamina. Take care of your physical and mental health to stay sharp and energized.
• Family: Remember that your work supports those you love. Align your professional goals with the needs and dreams of your family.
• Field: Master your craft. Sharpen your skills, innovate your strategies, and be a thought leader in the mortgage industry.
• Finance: Track, manage, and grow your business income. Ensure your pipeline is full and that your spending aligns with your goals.
• Fun: Celebrate your wins. Build camaraderie with your team and create a work environment that inspires motivation and joy.
90-Day Sprints: The Secret to Crushing Your Goals
Whether personal or professional, the 90-day sprint method is a game-changer. It breaks down big ambitions into manageable steps, fostering momentum and accountability.
Step 1: Choose 2–3 impactful goals to focus on.
Step 2: Break these goals into milestones to achieve weekly.
Step 3: Reflect, rest, and recommit during the 13th week before starting the next sprint.
The beauty of this approach is its adaptability. If something isn’t working, you can adjust without losing an entire year.
A Call to Action: A Holistic Vision for 2025
Take a moment to visualize your ideal future—personally and professionally. What would your life look like if every aspect of the 7 F’s were in harmony? Use the tools from this guide to create actionable goals that bring this vision to life.
Remember: success isn’t just about closing deals or hitting numbers—it’s about thriving in all areas of life. Let’s support one another in making 2025 a year of growth, achievement, and joy.
Are you ready to sprint? Let’s make this the year we don’t just survive—but thrive. Together, we can crush 2025!
February 10-14, 2025
Mark your calendars!
The AFN 2025 Virtual Kick-Off is happening February 10–14, 2025.
This week-long event is designed to bring us together as a team, featuring webinars, roundtables, presentations, and meetings to inspire, inform, and energize us for the year ahead.
Stay tuned for the full agenda and details on how to join. Let’s make 2025 our best year yet!
A warm welcome to those who joined Team AFN in October, November & December.
Aaron Bravo
Loan Officer
Alyssa Abreu
Sr. Processor
Anaivett Araoz
Transitional Loan Officer
Ariel Gomerez
Loan Officer
Ayman Tabbaa
Loan Officer
Brandon Lee
Loan Officer
Brayden Abadilla
Social Marketing Assistant
Brittany Como
Processing Manager
Candace Ravelle
Loan Officer
Christopher Dahl
Business Development Manager
Craig Daliessio
Branch Manager
Dani Huskins
Underwriter
David Cooper
Loan Officer
Dennis Donahue
Transitional
Desmond Reed
Joe Ryu
Transitional Loan Officer
Drew Lesce
Dro Gharapetian
Ed Vega
Business Development Manager
Edward Kenmure
Regional VP
Eric Stephens
Business Development Manager
Erica Waxman Grant
Transitional Loan Officer/LOA
Hector Bracero Kuilan
Sales Manager
Iris Guevara
Jason Behun
Branch Manager/LOA
Javier Tavares-Nava
Loan Officer
Jeff Bubenchik
Jenn Minnich
Branch Manager/LOA Underwriter
Joe Bird Loan Officer Team Leader Branch Manager
Branch Manager/LOA
John Berardino
Branch Manager/LOA
John White
Sales Manager
Jonathan Suda
Branch Manager/LOA
Jonathan Yuen
Transitional Loan Officer
Juergen Hoehne
Business Development Manager
Justin Reyes Gutierrez
Loan Shipper
Katia Pereira
Business Development Manager
Kee Chan
Transitional Loan Officer
Keith Gordon
Transitional Loan Officer
Khani Reed
Business Development Manager
Kristina Johnson
Loan Officer Assistant
Larry Hall
Branch Manager/LOA
Leslie Mathews
Transitional Loan Officer
A warm welcome to those who joined Team AFN in October, November & December.
Liam Halforty
Business Development Manager
Linda Kugelmann
Processor
Lori Crane
Sr. Processor
Manuel Sanchez
Loan Officer
Margaret Vierra
Business Development Manager
Marilou Pangan
Executive Assistant
Mario Damiao
Loan Officer
Mario Teixeira
Regional Sales Manager
Mark Masters
Corporate Counsel
Martha Blanco
Business Development Manager
Matthew Burris
Transitional Loan Officer
Matthew Gilday
Loan Officer
Melissa Chavez
Compliance Analyst
Michael Everhardt
Business Development Manager
Monica Diaz
Nicholas Luciano
Business Development Manager Loan Officer
Priscilla Teixeira
Randi Scott
Transitional Loan Officer Loan Officer
Richard Berg
Branch Manager/LOA
Robert Alasia
Sherry Jenkins
Loan Officer Assistant
Sina Abdollahi
Loan Officer
Tania Dalia
Transitional Loan Officer
Terri Klusman
Business Development Manager
Tia Payne
Loan Officer
Tom Anderson
Transitional Loan Officer
Robert Kaye
Processor Loan Officer
Ross Ivey
Sanya Cameron
Schanda Maney
Scott Allgood
Transitional Loan Officer Loan Officer Assistant Underwriter Loan Officer
Seamus Mckeever
Seven Rico
Shara Rubenstein
Opener Loan Officer Business Development Manager
Tony Rodriquez
Transitional Loan Officer
Vanessa Arellano
Jr. Processor
Verena Johnson
LOA/Marketing Assistant
William Nuckols
Business Development Manager
Yusleidy Roque Viera
Transitional Loan Officer
Zilca Diaz
Transitional Loan Officer
October 2024 Production
1,175 Units for $429,296,668
Total Banked & Brokered
Retail Banked 639 units for $220,450,301
Wholesale Orion Lending finished at 456 units for $189,668,280
Total Banked for all: 1,095 units for $401,012,326
Retail Brokered Out Another 80 units for $28,484,326
Top 10 Branches by Volume
units for $17,677,054
units for $9,306,550
Branch 13 units for $4,582,922
Top 10 Branches by Units Burlington
Top 3 Retail Divisions by Volume
Northeast Division
Patriot Division
48 units for $18,416,983
468 units for $146,764,393 Southwest Division
33 units for $12,014,996
Top 3 Retail Regions by Volume
Brian Eller/Ryan Sloper Region
units for $17,677,054
$14,108,886
$7,749,004 Landmark Mortgage Planners
20 units for $9,306,550
$6,352,920
16 units for $5,977,045
$4,582,922
89 units for $30,036,942 Southwest Region 33 units for $12,014,996
Central Mountain Region 62 units for $17,373,076
units for $4,308,078
The Carter Group 12 units for $3,560,779 Athens Virtual 12 units for $5,216,104
October Top Producers
Joseph
Cynthia Urbano/Jennifer Jurs
Sam Rumi
Daniel Munoz/Jacob Emmel
Juan Kelley/Gary Thompkins
Courtney Lalonde/Creagan
$156,980,140
Top 10 Branches by Volume
Top 3 Retail Divisions by Volume
Northeast Division
352 units for $107,764,728
Division
units for $17,005,344
Division
units for $8,909,020
Top 3 Retail Regions by Volume
Brian Eller/Ryan Sloper Region
units for $27,758,703
units for $13,656,743
units for $12,191,040
Top 10 Branches by Units
units for $12,789,114
$4,230,078
units for $2,908,200
November Top Producers
December 2024
Production 1,151 Units for $384,445,057 Total Banked & Brokered
Retail Banked 533 units for 160,144,832
Wholesale Orion Lending finished at 558 units for 203,181,813
Retail Brokered Out Another 60 units for $21,118,412
Top 10 Branches by Volume
units for $11,361,371
Top 3 Retail Divisions by Volume
Northeast Division
403 units for $124,766,392
Patriot Division 33 units for $10,134,619
Winblad Division 21 units for $6,804,930
Top 3 Retail Regions by Volume
Brian Eller/Ryan Sloper Region 107 units for $35,187,645
Central Mountain Region
units for $16,243,138
Landmark Region
units for $9,483,749
units for $7,733,558
units for $3,912,742
units for $3,325,095
units for $3,223,045
Top 10 Branches by Units
units for $11,361,371
units for $8,207,075
units for $7,733,558
$3,223,045
units for $3,912,742
Myrtle Beach II 13 units for $$2,854,249
units for $3,387,177 Smiley Region
$6,593,178 Cook Team
$2,554,017
Santa Rosa 9 units for $3,143,065 Pinellas 9 units for $2,509,306 Hillsborough 9 units for $3,076,743
9 units for $5,014,800
December Top Producers
Top 10 Branch Managers
Joseph Lose/John Bruno
Jason Turner
Traditional Retail
Cynthia Urbano/Jennifer Jurs
Traditional Retail
Fritz Reichardt/Rob Ziebart
Traditional Retail
Frank Contreras
Traditional Retail
Gabriel Garza Traditional
Sean Smiley
Courtney Lalonde/Creagan Berry
Traditional Retail
Daniel Munoz / Jacob Emmel
Traditional
Eliseo Carrillo Jr
Traditional
HomeOne Program Mismatch Alert
Attention: Loan Officer, Processor, Underwriter, Doc Drawer, Funder | Encompass Newsflash #523
To ensure that Conventional loans utilizing LPA with an LTV >95% are underwritten correctly, we have added a new alert and hard stops in Encompass.
If the alert is present, users will need to update the loan program to CF30 HomeOne, if the loan was underwritten as HomeOne, or select an Offering Identifier on the Freddie Mac Additional data screen if proceeding with a different product (e.g., Home Possible).
If the alert is not cleared, hard stops will appear at the following milestones or events:
• PTD Reviews milestone
• Why Can’t I Order Docs
• Doc Request
• Funded Date
Underwriter's Angle
Calculating business liquidity can provide powerful insight when assessing the financial health of a business. Find out exactly what liquidity tells us, how it is calculated, and the 3 ways this information is used while cash flowing a business in this video from MGIC.
AFN PROPS
Give Props Now!
Thank you for participating and sharing your appreciation for your fellow Team AFN members. We encourage you to keep submitting props for your co-workers! Below are just a few that were submitted in October, November and December.
Awarded to: Courtney Moore, Closing/Funding Manager
I'm truly fortunate to have Courtney as my boss. She is always welcoming and informative, and no matter how many times you call, she never makes you feel like a bother. Always in your corner, she's a true team player with the kindest, biggest heart. I hope you enjoy your day! :)
GIVEN BY: LAKEISHA BRAXTON | CLOSER/FUNDER
Awarded to: Kirstin Rowley, Creative Marketing Manager
Kirstin continues to be my go-to for great marketing emails! She is super responsive & so creative. AFN Marketing rocks! :)
GIVEN BY: SARA THOMPSON | PRODUCT MANAGER
Awarded to: Laiza Estrada, Operations Analyst
Laiza is always willing to help out and disclose files. She helps the files keep moving quickly and has great response time.
GIVEN BY: JULIE WALDRON | LOAN OFFICER
Awarded to: Taylor Albaugh, Doc Drawer / Funder
Taylor was the real Hero this month for us, not only did he tolerate a ton of loans with a difficult Closing Agent, but he worked to try to solve the issues we were having with them, and to say I appreciate him so much is an understatement, our branch cannot thank him enough. He was amazing!
GIVEN BY: GINA MCGINLEY | LOAN PROCESSOR
Congratulations to our October winner:
Courtney Moore
Congratulations to our November winner: RJ Vora
Congratulations to our December winner:
Awarded to: RJ Vora, Underwriting Manager
RJ takes the time to research, takes initiatives to reach out to investors even prior to the branch asking for it. He makes sure to give prompt direction to his UW in the time of needs. His responses are more than amazing. His knowledge with the nonQM guidelines is super great. It is very encouraging for our loan team to continue to bring in the deals in house. We can't thank RJ enough for all his help and super fast responses to our team despite his super busy schedule.
GIVEN BY: VAN NGUYEN | NON PRODUCING MANAGER/LOAN PROCESSOR
Awarded to: Nina Nabiyeva, Senior QA Analyst
Excellent quality of work and superior level of testing and overall outstanding individual. Nina has been a most reliable and kind co-worker. I'm so lucky to have her on my work team. She is the best of the best at her job. When AFN hired Nina, it was a great day. Specifically, for SNAP Suite she has caught so many outlier bugs, prior to production, she is invaluable. Cheers to Nina and all the extra work you do for us in SNAP Suite!
GIVEN BY: SEAN PATRICK, REGIONAL BRANCH MANAGER
Awarded to: Ferris Hundertmark, VA IRRRL/FHA Streamline Underwriter
October was a challenging month for our team, we had several streamlines, and no back up team. I just really appreciate Ferris; he made sure to communicate with me constantly all month, and it really helped! He was really terrific, and we appreciate all he did!
GIVEN BY: GINA MCGINLEY | LOAN PROCESSOR
I've been working with Brian for years and his knowledge and experience are always exemplary. Thank you!
Sarah and her team were so easy to work with. They are knowledgeable, communicative and working hard to get the job done. I can't thank them enough for all they did for me.
John went above and beyond to ensure I was fully prepared for the homebuying process. He explained each step clearly, making sure I felt comfortable and informed throughout. John genuinely cared about my family’s journey to closing and crossing the finish line—I never felt like just another number. Even when I had to pause at the beginning, John checked in with me, asked the right questions, and provided the encouragement and confidence I needed to move forward. I couldn’t have asked for a better loan officer!
My experience was great for a multitude of reasons. Marlene 's approach, however, made me comfortable throughout the entire process. For example, all questions I had were answered, Marlene kept me informed, and she and her team demonstrated professionalism.
When I bought my first home Sue and her team made it seamless and easy so I knew Landmark is who I would go with when I went about purchasing my second home! I had just as great if not better of an experience!
SARAH ELLIS
MYRTLE BEACH II
MARLENE SMITH SKOKIE
SUE ALBRITTON LANDMARK MORTGAGE PLANNERS
BRIAN CUSHING MORTGAGE INSIDERS
JOHN CSOKA EAST COAST
If I could give more stars I would! The level of expertise is unmatched. Alex and the whole team are beyond incredible! They made a stressful process easy to understand and navigate. The time and investment they give to each of their clients makes referring them and continuing to work with them in the future an easy choice!
Jen and her team kept us informed throughout the process of our loan. It was more difficult for us because we are self employed, however Jen did not waiver. She even went out of her way to help our co-signer sign paper work so we could stay on track with closing . Sarah Gray was also great! Very polite and informative team!
entire process with an incredible amount of patience. Our situation required a great deal of urgency and they made it happen. We are beyond happy and in our home! We will continue to use Hector and his team for our lending needs.
Experience.com Leaderboard
JENNIFER JURS
ALEX ASCENCIO DOWNEY
FHA Loan Limit Marketing Package
HUD announced the new FHA 2025 Nationwide Forward Mortgage Limits, effective for case numbers assigned on or after January 1, 2025. Utilize this marketing package to inform your database of this increase!
Find flyers and emails in iConnect with keyword "2025 Loan Limit."
Conforming Loan Limit Marketing Package
The new baseline limit for mortgage loans to be acquired by Fannie Mae and Freddie Mac in 2025 for one-unit properties is $806,500. Utilize this marketing package to inform your database of this increase!
Find flyers and emails in iConnect with keyword "2025 Loan Limit."
A free and easy to use social media platform is available to AFN Loan Officers to help you manage your social media pages. Gain access to AFN content that automatically posts to your pages and keeps your social feeds full!
Don't miss this opportunity to stand out on your social feeds.
SIGN UP NOW
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The weekly content email no longer includes content suggestions as all content will be accessible in the Social Coach library and campaigns. If you do not have a Social Coach account or need help connecting your social media profiles, please reach out to marketing@afncorp.com Explore our training page for comprehensive details on how Social Coach will seamlessly deliver all the familiar content you've come to expect directly to you. Social Coach Trainings
The Role of Comedy Relief in Finance
By Leonard Kupersmith, Divisional Controller, NE Division | January 2025
Adapting and Overcoming:
BUILDING RESILIENCE IN TOUGH ECONOMIC TIMES
In a world often dominated by numbers, charts, and serious discussions about economic trends, the role of comedy relief in finance can seem counterintuitive. However, humor plays a crucial role in making financial concepts more accessible, engaging, and even enjoyable. Let’s explore how comedy can enhance our understanding of finance and the benefits it brings to both professionals and the general public.
By Lenny Kupersmith, Divisional Controller | September 2023
Finance is filled with jargon and complex theories that can be intimidating to many. Comedians and humorous content creators often break down these concepts using relatable analogies and witty commentary. For instance, comparing stock market fluctuations to the unpredictability of a dating app can help demystify investing for a younger audience. This accessibility fosters a better understanding of financial principles among individuals who might otherwise shy away from the subject.
The mortgage industry can be a fickle business, with fluctuating interest rates, changing regulations, and unpredictable economic conditions. However, one thing that has remained constant over the years is the need for resilience in the face of adversity. In times of economic downturn, the mortgage industry has proven time and time again that it can weather the storm and emerge stronger on the other side.
Financial stress is a common issue faced by many. By incorporating humor into financial discussions, comedians can help alleviate some of this anxiety. Jokes about money problems, budgeting mishaps, or the struggles of saving can create a sense of camaraderie among listeners. When individuals see that they are not alone in their financial challenges, they may feel more empowered to tackle these issues head-on.
One of the key factors that contributes to resilience in the mortgage industry is a focus on risk management. Lenders who can identify and mitigate risks early on are better positioned to weather economic downturns. This means conducting thorough due diligence on potential borrowers, carefully evaluating the value of collateral, and maintaining a diversified portfolio of loans.
In an age of information overload, capturing and maintaining an audience's attention is vital. Financial content infused with humor can be far more engaging than dry, technical explanations. Podcasts, YouTube channels, and social media posts that feature comedic elements attract larger audiences, which can help spread essential financial knowledge to those who might not otherwise seek it out.
Comedy can serve as a bridge between different generations, particularly when discussing topics like investing and saving for retirement. Humorous skits or memes that resonate with younger audiences can spark interest in financial literacy. Conversely, older generations can appreciate humor that reflects their own experiences, creating an opportunity for intergenerational dialogue about money management.
Another important aspect of resilience in the mortgage industry is a commitment to customer service. During an economic downturn, borrowers may be struggling to make their mortgage payments, and lenders who are able to work with them to find solutions are more likely to retain their business in the long run. This may involve offering forbearance or loan modifications, or simply being responsive and communicative with borrowers who are experiencing financial difficulties.
Financial literacy is a critical skill that can improve an individual’s quality of life. By using humor in educational content, financial advisors and educators can make learning about money fun. For example, animated videos that feature humorous characters navigating financial pitfalls can teach valuable lessons in an engaging way. This approach not only entertains but also leaves a lasting impression on the audience.
Finally, a willingness to adapt and innovate is critical for resilience in the mortgage industry. As economic conditions change, lenders must be able to pivot their strategies and offerings to meet the evolving needs of borrowers. This may involve developing new loan products, leveraging technology to streamline processes and improve efficiency, or exploring alternative sources of funding.
While humor can enhance financial discussions, it’s essential to use it wisely. Misinterpretation of jokes or satirical content can lead to misunderstanding of serious financial principles. Therefore, creators must strike a balance between humor and clarity to ensure that the comedic elements do not overshadow the educational value.
Overall, resilience in the mortgage industry during an economic downturn requires a combination of risk management, customer service, and adaptability. Lenders who can embody these qualities are more likely to emerge from challenging economic conditions with their businesses intact and their customers satisfied.
Comedy relief in finance is more than just a tool for entertainment; it’s a powerful means of communication that can enhance understanding, reduce anxiety, and promote financial literacy. By making financial discussions more approachable and engaging, humor can play a vital role in fostering a financially literate society. As we continue to navigate the complexities of the financial world, let’s embrace the power of laughter to enlighten and empower individuals on their financial journeys.
Congratulations to those with an AFN Anniversary in November!
MONIQUE BANKS
AFTON BROWN
CHANDA TIMSINA
DANIEL TIBOCHA
DAVE DRUCKER
ISABEL RIBAU
NATE PASS
PERLA VASQUEZ
RICK SPANO
TINA COLEMAN
MARK MANALO Four Years
DARRIE AQUINO
JACKIE STATON
KATHERINE MEMITA
ASHLEY GARZA
CHARLES COLETTA
EDWARD AGUIRRE
EMMANUEL RODRIGUEZ
GABRIEL GARZA
ILIANA AGUILAR
JIMMY MYERS
KAZUFUMI KOGAWA
KIMBER SHAN
KRISTIN FRAZHO
MARIA ROSA
RUFINA GUINTO
SHANNON GOLLOWAY
SULMA GUERRERO
TERESA FISHER
TIFFANY LENZ
ANTHONY GONZALEZ
MICHAEL CARRILLO
Ten Years
GEORGE DALOU
CHIP HOPKINS
HEATHER ANN HUGHES
JOEY JIMENEZ
Five Years
AMINAH ST FLORANT
HEMANTH KOTHANDA
JOCILYN HOPPER
REBECCA SKILES
RYAN SLOPER
Eleven Years
STEPHANIE RONQUILLO
KAYLA TRUJILLO
KRISTINA GARCIA
RICHARD YONIS
RACHEL PENAS
RICCI MERENDINO
TIMOTHY TRAYWICK
TIFFANY BOGERTY
VICTORIA STEIN
ZAIRA FLORO
Six Years
AIME PAZ
Eight Years
CAMERON SARANCZAK
GRACE KHOR
LISA PETRAS Fourteen Years
JOSEPH SAVINO
RYAN MATLACK
ANDREW MENTE Sixteen Years
Congratulations to those with an AFN Anniversary in December!
One Year
ASHLEY CRUGNALE
BETH YOUNG
BRIAN HALL
CAROL HASLER
COLLEEN BUTLER
DANIEL SHOEMAKER
ENMANUEL SANCHEZ
Two Years
AMBER FUTCH THOMAS
ANGELA WILSON
BOB DEICHMAN
BONNIE VORWERK
CLEM CABILES
DAMIAN BURRIS
Three Years
CARRIE ANDRADE
CHRISTOPHER HERRERA
ABREU
COURTNEY LALONDE
CREAGAN BERRY
DAVID ARCHER
DEANO TRACEY
Four Years
CHRISTY LOGHRY
JESHANA TUDIAS
MARINEL MAQUILING
PRECIOUS LANTO
ISABEL BARROWS
JONATHAN CHICAS
JONATHAN HUGHES
LIBBY KRONTHAL
RALPH LOPEZ
RAUL LEYVA
TERI RAGON
ENAN FRIAS
GLENN KINNEY
JESSICA PHONGSYMAY
DAVID GAFFNEY
ENZO CORDEIRO
JUSTIN PIERCE
KOREY DOUCETTE
MIKI PEREZ
NOELLE KHALIL
HUNTER FISH
JENNIFER OLLER
KEITH WILLIAMS
KEVIN MCGRANER
LENA DEVERY
SHANIA VILLARAMA
VIVIANNE MADEIRA
WILLIAM LAMB
WILLIE MORGAN
Six Years
JOSEPH LOSE
KYLIE QUEEN
JULES FORD
NICOLE COLLIER
SEBASTIANO VASTA
Seven Years
ROSSELYN MORATAYA
Eight Years
ARIANA MOORE
BASIL LEONETTI
Nine Years
ANDREW KALYVIARIS
APRIL HONG
GINA MCGINLEY
KEVIN MCRAE
MARLENE SMITH
STEVE RODGERS
WESLEY CHAVEZ
Ten Years
ASHLEE BUCKLEY
JUDE BRENNAN
Eleven Years
COURTNEY MOORE
Fourteen Years
EFREN PADILLA
Congratulations to those with an AFN Anniversary in January!
CAMERON MCGINLEY
DANIELA CUEVA
DEVIN ANDREW
ELIZABETH COOK
JB BOLAND
AL REED
ARIEL RODRIGUEZ
BRITTANY MOORE
GARY SCHICK
JENNIFER SAING
JONATHAN HOFFMAN
KASEY BOONE
LOU CARTER
MARYBETH VALLEJO
JILLIAN VAUGHN
JUSTIN EDWARDS
MUHAMMAD PATEL
RON CASTRO
MELISSA ALCOCER
MICHAEL GRAFFEO
SAMANTHA DWYER
ROY BOYD
TRENT HECKMAN
TYLER MOORE
CATHERINE HA
LOVELY DELACRUZ
MICHELLE SCARPA
RICK ASRANI
SARAH SPICER
SUSANNAH BROEGLER
CELISSE PENSON
CHRISTIAN BELIC
JOSE ACEVEDO
KATHERINE BERNARDO
MATT SANDERS
GUSTAVO BERDEJA
KELLY OAKES
NINA DELA CRUZ
ROLLIE MABBUN
SAMUEL SPITZER
SARA THOMPSON
TATIANA HERRERA
MIKE HAJJAR
WILLIAM KOUMPARIS
Eleven Years
SUSIE SENSENBACH
Twelve Years
HECTOR ESTRADA
MATHEW GRUBER
THOMAS SHERMAN
Six Years
BRANDON FINDLEY
CANELLA KUMKE
DANIEL BARRON
DONALD MANUEL
JOHN BRUNO
JULIE HULBERT
MARC DE STEFANO
RONNIE SOLOMON
SEAN TATE
STEVEN RICHMAN
Fifteen Years
CATHY OLIVEIRA
JODI LIMB
KENT REID
MARIA GUILLEN
MITCHELL OLIVEIRA
MORGAN SISSENER
TIM PRINDLE
Seven Years
JUSTIN PRIEST
MARY TRUJILLO
MICHELLE GRAZIANO
VINCENT SINEX
Eight Years
BRIAN NGUYEN
DEBRA MAXEY
NICHOLAS GALLICCHIO
TED CLAVEL
Sixteen Years
LUIS VASQUEZ
E rli za Do blu i s
Je re my Alle n
Rai n e Bu co
S o a Gan dari o
S te ph an y Garci a Vladi mi r Ki sli n ge r M arc Padlan Rach e l Pe n as
Bri an C u sh i n g
C h ri sto ph e r M adaski
C ri s Oclari t
E ri ca Rami re z
Ju sti n Jarbo
Ki mbe rly He ste r
Ro be rto M e n do za
Vi n ce n t Di me lla C h ri sto ph e r M cdo u gall
ANTHONY
JOSEPH
MARTHA
C h ri sty Lo gh ry
NATALIE WATSON
C lau di a S an ch e z
WILLIAM
Je e rso n Bu tle r
S ydn e y W i lli ams
BRITTANY
JEFFREY ROSENBERG
LORI PIKE
MICHELLE BOBBITT
NICOLE COLLIER
PAIGE GIFFORD
TAMI RADFORD
C lau di a Zambran o Jai me Bo we n T ri sh a M o rri so n W alte r Parke r Dan i e lle S ti lle y
Li sa M aso n
Pre ci o u s Lan to Rad De lan y
De smo n d Ree d
Ke vi n T h o mpso n S h ann o n Lan ge n
DANIEL SHOEMAKER
DANIELLE KREAMER
ROBERT ALASIA
TOMASINA TATTERSON
SCHAFFER
HALEY MARTI
JESHANA TUDIAS NOEMI PEREZ
CHUNG TSAI TONG HIRSCH UNGAR
BRANDON LEE PEGGY HINES
CHRISTINA MAINE
JONATHAN CHICAS 11 12 13 14
ACAIA MAYFIELD
BRUCE NOHE
HAILEY CASTILLO
JD TORRES
JOSEPH SAVINO
LIZ RIVERA
DAVE HECHT
MARC DE STEFANO
ROBYN WILL
JESSICA TARRIELA
JOSEPH DILUCCHIO MOBIN HOSSAIN
ERICA HARPER PRISCILLA TEIXEIRA
ALEJANDRA CHANELO
JOHN HARDY
RACHEL CARMICHAEL
STEED
AMY HART
ANNA MARIE MASSIESHLEMAN 25 26 27
JEREMY MCBEE NANCY CONNORS
ASMITA THAPA MARINEL MAQUILING
CRISTINE ZAFE
KYLIE QUEEN
PAUL LATERZA
SHANNON GOLLOWAY
MARCIA
E rli za Do blu i s
Je re my Alle n
Rai n e Bu co
S o a Gan dari o
S te ph an y Garci a Vladi mi r Ki sli n ge r
ADOLPHUS
CHRISTIAN BELIC
Bri an C u sh i n g
EMMANUEL RODRIGUEZ
arc Padlan Rach e l Pe n as
C h ri sto ph e r M adaski
GURPREET KAUR
C ri s Oclari t
JOHN BERARDINO
E ri ca Rami re z
NODIA HASKINS
Ju sti n Jarbo
Ki mbe rly He ste r
Ro be rto M e n do za
Vi n ce n t Di me lla
BRIAN SLODKI
SAMUEL
C h ri sty Lo gh ry C lau di a S an ch e z Je e rso n Bu tle r
S ydn e y W i lli ams
ELIZABETH PAPARO
MARGARET VIERRA
MATT CASON
JAMES CHAMBERS
JILLIAN VAUGHN
WILLIE MORGAN DEANNA ASHTON
C h ri sto ph e r M cdo u gall
C lau di a Zambran o Jai me Bo we n T ri sh a M o rri so n W alte r Parke r
MAYRA CALDERON
SARAH BEASLEY
EDWARD AGUIRRE
ERIC STEPHENS
LUKE SPARKS
Li sa M aso n Pre ci o u s Lan to Rad De lan y
BOHDANOWICZ
VALLEJO
JESSICA MCRAE
JUSTIN PRIEST
KATHERINE BERNARDO
LARAH MANALO
PHILLIP ELLER
i e lle S ti lle y De smo n d Ree d Ke vi n T h o mpso n S h
d
o n Lan ge n
AMARIS COSTA
KIRAN GANDHAM
LAUREN AYALA
MORGAN SISSENER
SARA THOMPSON
ANGELICA CATACUTAN
ANTHONY CATO
CARISSA CABANILLA
DIANA SANCHEZ GALLO
ELLA BODOSO
JENNY TORDECILLA
JESTER MORENO
JUSTIN REYES GUTIERREZ
KEN DUPAN
ALEX ROSALES
TODD WAUHOB
YESICA BARRIOS
CAMERON SARANCZAK
JACOB SPARKS
OLGA VOROBYOFF
SARAH BROWN
TANIA DALIA
DANIELA CUEVA
NIGEL NEWLAND
ASHLEY CRUGNALE
CHRISTOPHER ULDRICKS
DENNIS DONAHUE
ELLAI OCLIAZO
STEVE RODGERS
JOSE BUGARIN
MARITZA NIEVES
AJ BEFUMO
ANNMARIE DELIA
ARIEL RODRIGUEZ
HOLLIE GRIFFIN
KENNEDY HUDSON
ALYSON PIERCE
DAVID AZOROH
NOAH AGUIRRE
BRETT LABADIE
GARY MILLER
JOHN CAINZOS
SHERRY JENKINS
ERIKA BEFUMO
GELEEN BORELA
JOEY JIMENEZ
JUSTIN EDWARDS
MICHAEL LEBRUN
MICHELLE GRAZIANO
NINA DELA CRUZ
JOY PRESCILLA TERRI KLUSMAN
KATIA PEREIRA
TAYLOR ALBAUGH
AMBER FUTCH THOMAS
ANDRE MORETTO
CHANDLER BLANCHET
DEBRA BARRON
JOAN WALSH 29 30 31
BILLY SANTOS
TAYLOR OLBRANTZ
TIFFANY BROWN
HECTOR BRACERO KUILAN
JENNIFER BOWMAN
E rli za Do blu i s
Je re my Alle n
Rai n e Bu co
S o a Gan dari o
S te ph an y Garci a Vladi mi r Ki sli n ge r M arc Padlan Rach e l Pe n as
Bri an C u sh i n g
C h ri sto ph e r M adaski
C ri s Oclari t
E ri ca Rami re z
Ju sti n Jarbo
Ki mbe rly He ste r
Ro be rto M e n do za
Vi n ce n t Di me lla
C h ri sty Lo gh ry
C lau di a S an ch e z
Je e rso n Bu tle r
S ydn e y W i lli ams
C h ri sto ph e r M cdo u gall
C lau di a Zambran o Jai me Bo we n T ri sh a M o rri so n W alte r Parke r Dan i e lle S ti lle y
Li sa M aso n
De smo n d Ree d
Ke vi n T h o mpso n S h
Pre ci o u s Lan to Rad De lan y Davi d
LORI
ALISON MCCARDEN KELLIE ARMES 5 6 7 8
BENJAMIN BENAVIDEZ AL REED GIOVANNI EVANGELISTA
RICCI MERENDINO 12 13 14 15
ALENA WATSON
CAIRO CARRILLO
DAVID COOPER
ELISEO CARRILLO JR
ENZO CORDEIRO
FERNANDO KERR
GULMIRA SHAISLAMOVA
HOOMAN MIRZAEI
CONNIE CLICHE
DANNY TERRY
DEBORA KERR
MARCUS HILLS
ROSEMARIE PUGASA
TIFFANY ALFARONE
HASNUL QAZI
MATT SANDERS
REEMA SHAHEEN
CHRIS GREENIDGE
JASON BEHUN
KATHY MURISON
KATZ TENGCO
KOREENA CUCALON SAMUEL KEMPTER 19 20 21 22
FRANCIS COLOSA
IAN SMITH
JOSEPH AGANOWSKI
ERIKA MONTEIRO 26 27 28
CHRISTOPHER JOLLIFF
CYNTHIA URBANO
DEBORAH ARMSTRONG
JUAN KELLEY
KIMBERLY CAREY-IVY
RUFINA GUINTO
Join AFN Loan Officer Ian Smith and Community Options, Inc. in supporting individuals with disabilities! Participate in the 2025 Silver Spring Cupid's Chase 5K to help provide housing, transportation, recreation, and employment resources for over 5,000 individuals. Not in Silver Springs, MD? This year’s race spans 46 cities across 11 states, bringing together nearly 10,000 runners, donors, and volunteers. View below for ways to donate and to find a race near you!
BUILD HEALTHY HABITS AND SET SELF-CARE GOALS!
Goodbye 2024
O n w a r d s & U p w a r d s
A h e a r t f e l t t h a n k y o u t o e v e r y o n e w h o
j o i n e d u s f o r t h e c o r p o r a t e h o l i d a y
l u n c h e o n a n d m a d e i t s u c h a j o y f u l
c e l e b r a t i o n . T h i s e v e n t w a s a
w o n d e r f u l r e m i n d e r o f t h e i n c r e d i b l e
t e a m s p i r i t t h a t d r i v e s e v e r y t h i n g w e
a c c o m p l i s h t o g e t h e r .
Community Support
L A F i r e R e s o u r c e s
T h e L A f i r e s h a v e b r o u g h t i m m e n s e
d e v a s t a t i o n , a f f e c t i n g c o u n t l e s s l i v e s .
W e e n c o u r a g e y o u t o r e v i e w t h i s f l y e r
w h i c h c o n t a i n s d o n a t i o n
o p p o r t u n i t i e s , a n d r e c o v e r y r e s o u r c e s
f o r t h o s e d i r e c t l y a f f e c t e d , a n d s h a r e
i t w i t h a n y o n e w h o m a y n e e d s u p p o r t .
401(k) Meeting Recap
C o s t o f L i v i n g A d j u s t m e n t a n d
U p d a t e d 4 0 1 ( k ) C o n t r i b u t i o n s
L i m i t s f o r 2 0 2 5 - I n c r e a s e s t o
$ 2 3 , 5 0 0 f o r t h o s e u n d e r 5 0 .
I R A C o n t r i b u t i o n s s t a y e d a t $ 7 , 0 0 0
f o r t h o s e u n d e r 5 0 y e a r s o f a g e .
G i f t i n g L i m i t s i n c r e a s e d t o $ 1 9 , 0 0 0
p e r d o n e e .
R e q u i r e d M i n i m u m D i s t r i b u t i o n s
( R M D s ) c u r r e n t l y s t a r t a t a g e 7 3
a n d e q u a t e t o a w i t h d r a w a l o f a
l i t t l e u n d e r 4 % o f t h e 1 2 / 3 1
r e t i r e m e n t a c c o u n t b a l a n c e .
S e e a t t a c h e d f o r m o r e d e t a i l s !
2025 AFN Holidays
AFN is pleased to announce the addition of a new floating holiday! This benefit allows you to take a paid day off on a holiday of your choice when AFN remains open for business.
To use your floating holiday: Select your chosen holiday. Submit your request for time off through Paycom. Ensure you indicate it is for the floating holiday to receive your paid day off.
We hope this provides you with greater flexibility to celebrate holidays that are meaningful to you!
Eligibility Requirements
Regular full-time, non-sales employees are eligible for holiday pay.
To qualify for holiday pay, you must work the scheduled workday immediately before and after the holiday.
Please reference the employee handbook for more details.
Branch Wire
Contributors
Contributors
April Hong
VP of Processing
John Sherman
Chief Executive Officer
Kristin Sensenbach
Social Responsibility Specialist
Lenny Kupersmith
Divisional Controller, NE Division
Nasim Tourigny VP of Underwriting & Credit Policy
Yvette Hildago
Assistant Director of HR
Raul Esparza
Branch Relations Manager
Stephanie Esparza VP of Closing and Funding
Twyla Hankins
Chief Operating Officer
Editor-In-Chief
Lisa Petras
Director of Corporate Communications
Managing Editor
Corey Trujillo VP of Marketing & Events
Designers
Ashlee Buckley Director of Marketing
Kirstin Rowley
Marketing Creative Manager
Hanz Lucero
Graphic Designer
