Mortgage Branching DONE THE RIGHT WAY! David Ross
909-717-6198
Regional Manager
DRoss@AFNCorp.com
A UNIQUE APPROACH: The best investment we make
IS IN PEOPLE
When people come first everything else falls into place
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A Note From Jack Welcome to AFN! We appreciate the opportunity to work
“I am committed to branch success,
together with you and your employees.
and the success of the loans to all of
Sales success at AFN requires you to think
our customers, by refining all aspects
like a top producer, maintain the mindset of success, and to differentiate yourself from
of communication.�
the competition. You have to build credibility
Real success, however, requires planning,
with a good company that keeps great
and AFN not only has remarkable Sales and
operational support. AFN will help you
Operations support, but also a systematic
with that!
plan for future growth.
Your
customers
must
experience as well.
have
a
great
AFN surveys all
borrowers and our results show a successful experience almost 100% of the time. Some of the feedback received includes how AFN generates ideas and approaches to get loans done. Regardless, the single best way
This includes a
concierge-style Branch Relations Team and a homegrown Customer Resource Management
system
Marketing Team.
with
a
creative
AFN is here to make
your experience a success! We welcome the opportunity to work with successful teams that will become the future of AFN!
we keep clients happy is communication.
Chairman and CEO Jack Sherman brought his Midwestern, Wisconsin roots and values to Southern California in 1978, setting his sights high in the mortgage industry.
After successfully running various departments within
the mortgage industry, such as sales, operations, credit and servicing, Jack started American Financial Network, Inc. with his son, John, in 2001. Jack has a degree in Business Administration from the University of Wisconsin. He met his wife Evie, AFN EVP/Corporate Secretary, in Wisconsin during his college years.
Jack Sherman CEO
About American Financial Network, Inc. National Strength. Local Presence.
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, licensed in 45 states, with nearly 140 branches supporting hundreds of Loan Officers across the nation.
Growth & Expansion
Branch Focused Strategy
T
O
regulatory and economic environment, requires
rewards leadership and provides the necessary
a commitment to core values. Our values stress
support to ensure success. Our role is to simplify
the importance of streamlined operations, a flat
processes and remove obstacles to allow Branch
management model focused on production support
Managers and their teams to focus on production,
and a customer service approach designed to
exceed their goals and enjoy the benefits of our
exceed expectations every time.
shared success.
o sustain such growth across all geographic markets, as well as in a constantly changing
ur branching strategy reflects a culture that is both flexible and empowering; one that
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 Branch Managers know 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. After all, AFN’s CEO, a producer himself for the greater part of his career, prides himself on having established a culture built on the idea that the producer is our true customer.
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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 to 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 that 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 does just that.
, President
INTEGRITY
RELATIONSHIPS
VALUE
We provide our customers a solid foundation for a better future with ethical and fair lending practices. We are committed to doing business the right way.
The American Dream is more than a motto to us‌ it’s what we do. We are dedicated to making every loan a relationship that will last a lifetime.
Bringing our customers true value is part of our daily dedication. We find the right financial fit for each and every borrower while working hard to save them money.
Culture
American Financial Network, Inc. (AFN) is a
unique force in the mortgage market.
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W
e are one of the nation’s largest privately held mortgage companies with the resources necessary to compete on a national level with the largest publicly held banks. AFN maintains speed to decision, responsive communication and flexibility through its private ownership and flat organizational structure.
W
e 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.
OPTIMIZE THE CLIENT EXPERIENCE
PEOPLE
The customer’s experience is the end result of all our efforts. No matter what we do, how hard we work, or how much time we spend doing it, we always strive to optimize the client experience. Clients and referral partners are at the top of our org chart.
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
HARD WORK
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.
No matter what our interests, to succeed in a competitive field, we are willing to work harder than our peers..
EDUCATION
TECHNOLOGY
Hard work alone will not ensure success. We also strive to work smarter than our competition and consistently seek out new and better ways to accomplish our goals.
Great efficiencies and service levels can be 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.
Leadership - Experience, Passion & Integrity
A
t AFN, we’re proud of what our team has been
order to see it grow. We are looking for like-minded
able to achieve over the past decade and
individuals who are involved in their community and
more. We are equally proud of our brand and what it
understand their customers’ needs because they are
stands for. Designed to convey a sense of well-being,
your neighbors. At AFN, we have a phrase we use to
comfort, stability and integrity - it is the American
describe this vision - National Strength with Local
Dream personified.
Presence. Interested? Come join us.
If you share these values and are serious about
Our executive team is comprised of industry
taking your business to the next level, AFN is looking
professionals with more than 200 years of combined
for professionals like you. We seek purchase-
mortgage
oriented Branch Managers and Loan Officers who
guidance and vision of this leadership ensemble,
are successful, motivated, respected by the their
American Financial Network, Inc. has experienced
peers, understand the importance of relationship-
unprecedented growth both in same store sales and
based sales and the need to nurture business in
through strategic recruiting and market expansion.
Jack Sherman Chief Executive Officer
industry
experience.
Jonathan Gwin, Esq. COO & General Counsel
John Sherman President
Sean Browning
Twyla Hankins
Scott McGinley
EVP of Production
EVP of Operations
EVP of Secondary Marketing
Through
the
Bob Telles, CPA, MST Chief Financial Officer
AFN is constantly evolving and adapting in response to internal and external market triggers to ensure that our producers are equipped with the perfect blend of product, service, price and training. Jack Sherman, CEO
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History & Growth
W
hen AFN was first founded by Jack and John Sherman in 2001, their goal was to create
2001
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 AFN Founded by Jack Sherman in Chino Hills, CA
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
2009
with AFN now licensed in more than 40 states and funding over $4 Billion per year in markets across the country.
AFN Receives its FHA Full Eagle
2012
AFN Funds > $1B and is Licensed in 17 States
2013
AFN Becomes FNMA Seller/Servicer and Ginnie Mae Issuer
2015
AFN Funds > $3B, is Ranked Top 50 in the Nation and Licensed in Over 40 States.
2016
AFN Funds > $4.8B, is Ranked Top 100 Mortgage Companies in America for the 4th year in a row.
About AFN •
Nationwide Licensing Footprint*
•
FHA Full Eagle
•
Fannie Mae Seller/Servicer
AFN Funds > $4.5B, is Ranked Top Mortgage Employer and Licensed in 45 States.
Freddie Mac Seller/Servicer
•
Ginnie Mae Issuer
•
VA Automatic Authority
*licensed in most states
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.
$4.5 B
2017
$4.8 B
2016
$3 B
2015
$1.57 B
2014 2013
2017
•
$1.55 B $1.5 B
2012 2011
$0.6 B
The AFN Strategy
Customized Retail Mortgage Branching
W
e recognize that one size doesn’t fit all. No one knows your market, your model and your referral relationships like you do. We respect that. That’s why AFN customizes branches based on local market needs. We are dedicated to your branch
from the beginning and we’ll prove it by investing the resources, services, support and training you and your team need to grow same store sales year over year. By investing in you, we guarantee our future success.
AFN empowers Branch Managers •
LO Hiring Choices - Fast-Track Hiring Process
•
Branch Processing with Corporate Option
•
Instant Disclosures at Branch Level
•
Branch Underwriting Available
•
Branch Issued Pre-Approvals
•
Branch Doc Drawers Available
EASY TRANSITIONS From start-to-finish AFN is here to support you and your team. We have a fully staffed Branch Relations Department, whose sole purpose is making your transition and onboarding a pleasant and smooth experience. Our goal is to get your branch operating at its optimal level as quickly as possible. To show our support, a VP will be on site for your Branch Grand Opening.
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TRAINING & DEVELOPMENT At AFN we believe the Branch Manager is our customer. We are dedicated to keeping things straightforward, simple and transparent. Put simply, we are here to help you reach your objectives with effective training and development that is innovative, comprehensive, and ongoing. We offer true leadership and sales development workshops to enhance and grow your already successful team.
DASHBOARD & ANALYTICS
DEDICATED SUPPORT
AFN has the tools you need to optimize performance because we believe you should “measure what you manage and manage what you measure.” We provide the visual reporting and trend analysis needed to make the most of your real-time business metrics. After all, when it comes to business analytics, “a picture is worth a thousand dollars.”
We support you in every manner possible so you can stay focused on revenue-generating activities while we do all the rest. To maintain that keen focus on production we provide various tools and dedicated support to you and your team.
•
•
On-Site Training
•
Dedicated Onboading Team
24/7 Online Accounting
•
Ongoing Branch Support
•
Live P&L
•
Turbo Transition Desk
•
Profitability Reports & Analytics
•
Business Planning
•
CRM Dashboard
•
Full Service Marketing
•
Motivity Business Intelligence
•
Next-Gen Technology
•
Full Service IT Help Desk
Referral Partner Support Referral Sources are the lifeblood of our business. We provide turnkey opportunities to compliantly and continually develop new and existing referral source relationships.
“With our empowerment and support you can al ways be the hero in tough transactions.”
Lending Excellence
A
t AFN, we know that having the best products isn’t enough. In order to close, you need support you can count on right from the start.
Nothing is more critical than a smooth transition. Our onboarding process will ensure you and your employees don’t miss a beat. Our fully staffed Scenario Desk provides the answers you need to place quality loans quickly. Your borrowers and referral partners will appreciate instant pre-qualification, fully underwritten preapprovals and quick turn times. With so many products and programs, we want to make sure that every loan that can get done does get done. By consistently combining sound lending practices with a can-do, on time, every time approach, together, we can deliver a better lending experience.
•
Branch Relations Department
•
25+ Investors
•
•
Scenario Desk
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Agency Direct
•
24-48 Hour Turn Times
•
Purchase Prioritized Underwriting
•
On Time, Every Time Closing
•
Decentralized Underwriting
Easy Closing/Funding Advance Wires
•
Paperless Process
Speed. Scale. Simplicity. It’s simply... the AFN way.
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SPEED
SCALE
SIMPLICITY
We deliver uncomplicated and timely closings.
Our balance sheet and paperless processes provide tremendous scalability to meet your market demands.
We believe in keeping things simple and straightforward. You won’t find overcomplicated or convoluted processes here.
Our Loan Products
AFN
is a Fannie Mae Seller/Servicer, Ginnie Mae Issuer, and is USDA and VA LAPP approved with Freddie Mac approval pending. We have it all, from the basics like FHA, USDA, VA, Conventional, and Jumbo, to the hard to find, like Jumbo loans up to 5 million dollars, 203(k), asset based lending, construction to perm, manufactured, modular and more. AFN services include 24 - 48 hour turn times for fully underwritten pre-approvals, extended rate locks for new construction and closings in as little 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 and varied product offering gives us a unique advantage. We have delegated underwriting on nearly all our loans.
All the tools you need WITHOUT ANY OF
THE RED TAPE
The Products you need to get the customers you want. •
Asset-Based
•
FHA 203k Rehab
•
Non-QM
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Construction-Perm
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Ginnie Mae Direct
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Reverse
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Delegated Non-Conforming
•
HARP
•
State Bond Programs
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Delegated to $5 million
•
Jumbo
•
USDA (Rural)
•
Fannie Mae Direct
•
Manufactured Housing
•
VA (LAPP)
AFN Marketing
T
he AFN Marketing offering is one of the very best in the industry. Our team of award-winning and seasoned Marketing, Creative and Social Media professionals are 100% focused on Branch Marketing Support. We are dedicated to providing our Branches with the very best solutions and support possible. We know your Referral Sources are the lifeblood of our business. AFN Marketing provides turnkey solutions that create opportunities to compliantly and continually develop new and existing referral source relationships!
AFN has all the Marketing tools you and your team need to succeed •
Automated Post-Closing Loyalty Campaign
•
In-House Marketing Agency and Design Team
•
Brochures, Flyers and Booklets
•
Lead-to-Loan Automated Marketing and Borrower
•
Custom Advertising
•
Education & Communication Series
•
Realtor, Builder and Borrower Presentations
•
Email Campaigns
•
Referral Partner Marketing
On-Demand Custom Library & Marketing System
The Marketing Library that is more than just flyers
The AFN marketing library features 800+ pieces of marketing. From multimedia campaigns to direct mail postcards, each piece is branded for you and is already compliance approved.
Custom Advertising
Y
YOUR
ou’ll have your own personal full-service creative agency. Our team EDIT 495 CR of in-house marketers is dedicated to developing powerful and$ professional company materials, advertising, and campaigns to support your business. We’ll work with you to develop custom creative including idea-storming, graphic design, copy writing and compliance review. From brochures and postcards to open house support and co-branding, the marketing team can help create custom materials to suit your individual needs. T
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AL
PERSON
GAGE MORT LTANT
National Strength. Local Presence. Every day we work with our partners to change people’s lives by “Financing the
The Hard To Find
American Dream.” AFN constantly evolves
and adapts to ensure we are equipped anch with the perfect blend of products and er Joe BrManagservices to provide
Branch
the best possible home 12345 NMLS# purchasing experience for your buyer.
3.4567
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In today’s mortgage banking environment it is important to have the strength of a national agency-direct lender combined
yourwith local presence and support. Why deal with an impersonal banking institution that ay for AL Call tod PROVtakes you for granted or a local mom and PRE-AP pop shop that lacks financial strength? FREE At AFN we provide the perfect balance of national strength and local presence.
•
Lending since 2001
•
Direct Lender
• •
In-House Underwriting Fannie Mae Seller/Servicer
•
Ginnie Mae Issuer
•
USDA and VA LAPP approved
Jumbo 203(k) Rehab Loans Foreign National Construction To Perm Investment Properties
Preparation is everything. These are the documents you’ll want to have ready to complete your loan application. Below is the information that is typically required throughout the loan process.
Copy of the following for each applicant: o o o o
And Of Course The Basics Fixed Rate & ARM FHA Mortgages - 3.5% Down VA, USDA
Drivers license Social security card W-2’s from all employers for the past 2 years Paycheck stubs for the past 30 days
o
2 years of tax returns complete
o
Bank statements for the past two months 401(k) and profit sharing statements
o o
Complete quarterly or semi-annual statements for IRA’s, CD’s, money market fund, stocks, proof, in the form of a bank statement, that any earnings resulting from investments was deposited and has cleared
If you are a current homeowner: o
Mortgage account information
o
Home insurance policy information
o
Home equity account information (if applicable)
Conventional Reverse
Visit us online for more information:
www.afncorp.co m
iConnect - The Ultimate Marketing Suite Intelligent Marketing & Relationship Productivity Suite
W
ith AFN iConnect, you’ll have a cloud-based mobile friendly suite of tools to empower you to grow your business through automation, relationship building, lead generation and more.
iConnect includes: •
Business Building Tools
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Direct Mail Marketing
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Leads Management
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Contact Management (CRM)
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Email Marketing
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Loan Presentation Tool
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Customer Retention
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Encompass Integration
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Marketing Library
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Database Mining
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In-Process Communications
•
Post Close (loyalty) Marketing
LOVE THE VIEW, BUT NOT THE MONTHLY PAYMENT?
MORE PRODUCTS
MEANS SELLING
MORE HOMES. We have the basics covered and more.
We are an agency-direct lender that can give you the loan programs you expect and more.
the basics...
the niche...
•
FHA, USDA
•
Jumbos
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VA
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203(k) rehab loans
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Conventional
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Purchase money seconds
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Reverse purchase
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Manufactured & Modular
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Stated Income**
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0% down FHA**
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95% Non-warrantable high rise and
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FHA “Back to Work”**
regular condo**
•
Extended rate locks
Asset-based lending
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Lite-Doc, asset-based
• •
Foreign National
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State Bond Programs*
•
Construction to perm
•
Down-payment assistance programs.*
Let’s Work Together!
*not in all states **available on referral basis
KEEP THE LIFE YOU KNOW
REFINANCE WHILE RATES ARE STILL LOW
Every day American Financial Network, Inc. works to change peoples’ lives by “Financing the American Dream.” We are constantly evolving and adapting to ensure our employees are equipped with the perfect blend of products, service, and training to ensure that you have the best possible lending experience. We are proud to be your lender of choice. Rates are still very low
Lower Your Monthly Payment
Consolidate your debt and save
Rates are still at historic lows which means that now is the time to take action. No one knows when rates will rise and when it comes to getting the most from your home investment, timing is everything. Take advantage of these rates today!
Lowering your interest rate will also lower your monthly payment, giving you more flexibility in your budget each month and saving you even more over the life of your loan.
Another benefit of refinancing allows you to payoff high-interest credit cards and installment loans. Consolidating your debt into a lower rate can save hundreds or even thousands of dollars per month!
Many loan options to choose from We offer many different loan programs to meet your needs. From conventional and government programs like FHA, VA and USDA to more niche programs such as reverse and jumbo, we do it all. Let’s talk about which option is the best fit for your financial future.
Don’t overpay another day. Let’s get started saving you money today!
You’ve worked hard all these years and wisely invested in the joys and trials of homeownership. A reverse mortgage can allow you to make the most of the equity you have built and enjoy not having mortgage payments. If you are 62 or older and own your home, you may qualify for the government insured Reverse Mortgage. •
Here are the benefits:
• • •
Continue to live in your home Title stays in your name Frees you from your existing loan No more monthly payments*
•
Tax-free monthly cash flow
•
Social Security and Medicare unaffected
*American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make monthly or other periodic taxes or insurance payment and may risk default if payments are not made.
Want more info? Call me today!
“It is our duty to strengthen our brand, gain market share, and promote growth.”
AFN Marketing Social Media is a brave new world. You have a guide! From beginner to advanced, no skill level is off-limits.
O
ur full-time Social Media Manager is an award-winning guru who can guide you through the ever-changing landscape of social media and help you make the most of it.
Service features: •
Full Social Media Support
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One To One Assistance
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Weekly Content Provided
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Local SEO Support
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Image & Content Library
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Automatic Blog Posting
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Hours of Live & Recorded Training
•
On-Site Help Available
Personal support on the most popular networks:
AFNEdge Giving your real estate partners the power of social media Nothing is more powerful than helping someone boost their business and increase sales. This multi-faceted program will share social media knowledge with your real estate partners. By doing this, you’ll position yourself as a resource and be top-ofmind. Best of all? This program is free to both you and your real estate partners. Take advantage of email campaigns, flyers, and trainings to create a new value added touch point with those that mean the most for your business.
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AFN Marketing
Keeping referral relationships strong.
Brand building made easy.
Individual websites for Loan Officers.
We provide our Loan Officers a 3-year loyalty campaign on
From promo to apparel, you’ll find it all online at the AFN Store.
Every Loan Officer is provided a free website that is fully integrated
every closed loan, free of charge. These 48 unique communications will keep you in touch with your customers in a fun, interesting, and easy way.
We pre-stock many items for fast shipping and also feature many customer choices. Event rentals are easily ordered as well.
with Encompass and features an easy way for borrowers to complete their applications online. Websites include a full 1003.
Dedicated, Full Service Marketing Agency VP of Marketing & Creative Services
Social Media Coordinator
With over 16 years mortgage marketing experience, our VP of Marketing & Creative Services is here to ensure we create raving fans and to implement new marketing systems.
Our Social Media Coordinator is here to help you develop social media content, strategy and trainings.
Marketing Digital Content Manager
Graphic Designer
With 4+ years of mortgage marketing experience, our Digital Content Manager specializes in website management, video and audio production, our company store and marketing compliance tracking.
Our graphic designer who is here to assist you with a variety of graphic design needs.
Marketing Creative Manager With 5+ years mortgage marketing experience, our Creative Manager is here to help you with advertising requests, graphic design and marketing library expansion.
Marketing Assistant Supports the entire department with maintenance, scheduling and other tasks required.
Want to learn more? Request a copy of our Marketing Overview Booklet.
Technology
W
hen 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 and your team will have the high-tech automation and real-time reporting 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-the-art telecom system keeps your branch closely connected to corporate. •
Encompass 360 Bankers Edition LOS
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Expense Reimbursement Smart Phone App
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NYLX – Pricing Engine Online.
•
Dashboard Analytics / Motivity Solutions
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VOIP Telecom System Option for Branches with Full Corporate Office Integration
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Fully-Staffed IT Help Desk at Your Service!
Anytime, Anywhere! •
AMB – Live Web-Based P&Ls
•
Fully Paperless Operations
“Real People, Real Answers Personal , Accurate and Timely Support.”
Licensing & Compliance
A
t AFN, we know the more states your Loan Officers are licensed in the more business your branch is 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. You can count on us to:
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•
Assist you with deciding what states you want to get licensed in based on physical office requirements, cost, state regulations, time frame for approval, and more.
•
Prepare, review and file your branch mortgage license applications for each state agency.
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Follow up with the state regulatory agencies for application status and maintain contact with each state regulatory agency until your branch receives its license approvals.
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Assist branch Loan Officers with maintaining active licenses, providing insight to license inquiries, and assistance with new license applications.
•
Provide discounted savings to NMLS approved pre-licensing and continuing education vendors as well as state exam prep material.
Human Resources
T
o be successful in business you need the best and brightest. AFN’s HR team is here to assist in your talent recruitment, onboarding, new employee orientation and benefits administration. We are efficient and, like you, are dedicated to providing the highest level of personalized customer service. We offer a full benefits package to fit both the current and future needs of you and your family. With our online benefits access, it is as easy as 1-2-3 to manage all your AFN employee benefits when and where you want.
Benefits include: •
Medical Insurance
•
401(k) Retirement
•
Dependent Care
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Dental Insurance
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Life Insurance
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Medical Out-of-Pocket
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Vision Coverage
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Disability Insurance
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Direct Deposit
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Flexible Spending Account
When people
come first everything else falls into place
Expense
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 Corporate: 10 Pointe Dr, Suite 330, Brea, CA 92821 This information is intended to assist Industry Professionals, and is not an advertisement for consumer credit as defined in 12 CFR 1026.2(a)(2). This information is not intended for consumers and may not be duplicated or disseminated to the public.