Are you ready to elevate your career? Join AFN today! by American Financial Network

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YOU READY TO

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 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 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.

Chief Executive Officer

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.

Built on Relationships

AFN understands that our industry is built on relationships and strengthened through personal and professional loyalties.

You Gain A New Family

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.

Our sales team trusts that leadership will provide the 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. 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.

2001

AFN Founded by Jack Sherman in Chino Hills, CA

2009

AFN Receives 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, Ranked Top 50 in the Nation and Licensed in Over 40 States

2017

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

2019

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

2020

AFN Funds > $13.6B & Funded > $1B Nine Months In A Row

2021

AFN Funds > $13B and Ranked Top Mortgage Employer

2022

AFN Funds > $6.79B, Ranked Top Mortgage Employer

2023

AFN Funds > $4.3B+ & Funded 12.6K Loans with 97% Customer Satisfaction Rating based on surveryed clients from Experience.com

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.

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.

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.

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.

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.

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.

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.

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.

EXCELLENCE LENDING

At 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-qualifications, pre-approvals and quick turn times. With so many products and programs, we want to make sure every loan that can get done gets done. By consistently combining sound lending practices with a can-do, on time, every time approach, together we can deliver a better lending experience.

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

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.

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 preapprovals, 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.

All The Tools You Need WITHOUT THE

*Limited to loan being ready for closing. Numerous factors outside of lender’s control may lengthen or cause significant delays to closing. Restrictions and Conditions Apply.

Red Tape

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. Our in-house design team offers custom creative development, including idea-storming, graphic design, copywriting and compliance review at no cost to you!

Company Paid CRM & Marketing Suite

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.

Three Year Loyalty Program

Keeping relationships strong just got easier. We provide our Loan Officers a 3 year loyalty campaign on every closed loan, free of charge, to help you keep in touch with your customers in a fun, interesting, and easy way.

Plus, you can co-brand with your Realtors to keep them in front of both of your clients!

On-Demand Marketing Library

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.

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!

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 applications online via AFN’s SNAP app. Websites include full 1003.

Co-Branded Marketing

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

Everything You Need To Stay Relevant On Social Media

Social Media Support

Our experienced marketing team is here to guide you through the everchanging landscape of social media and help you make the most of it.

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.

Weekly Content Provided

We provide weekly content to help keep you keep your social media pages fresh and relevant.

Animation Library

Access to an animation library full of product, seasonal, and fun interative animations to keep your social media pages full of motion!

Free Automated Social Media

Let us do the work for you!

A free and easy social media platform that is available to AFN Loan Officers to help manage your social media pages.

• Generate More Leads

• Stay Consistent on Social Media

Custom Animation

Opt-In

Service

Stand out on social media with monthly customized animations that include your contact information!

• Scheduled Posts

• Opt-In Campaigns

Content Creators

Community

Top Producer’s, Marketing & Social Media Experts come together in this exclusive group. With Marketing support and guidance, plus special video resources to create personalized social media content.

Cutting-Edge 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-the-art telecom system keeps your branch closely connected to corporate

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

All Branch and Loan Officer website include the SNAP application ran through Encompass. This easy application is available for borrowers to complete on their computer, tablet or mobile device. It will take them step by step through the application process and allow them to upload documents.

• 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

• SimpleNexus Available

Licensing

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

American Financial Network, Inc. (AFN) is licensed in all 50 states + D.C. We are proud to build partnerships and help homeowners nationwide. AFN always ensures our staff is fully trained and knowledgeable in rules of all regulatory entities, at the state and national levels.

Licensed in all 50 States

Comprehensive Benefits Package

We are dedicated to providing the highest level of customer service. We offer a full benefits package to fit both your current and future needs. With our online benefits access, it’s as easy as 1-2-3 to manage all your AFN employee benefits. Insurance

• Medical/Dental/Vision Insurance

• Life Insurance

• Disability Insurance

• Flexible Spending Account

• Medical Out-of-Pocket Expense Payroll & Retirement

• Automated Payroll

• Direct Deposit

• 401K Plan & Match Program

We pay commissions weekly!

Yes, you read that right, weeky! So, you will get paid the following Friday after a loan clsoes via direct deposit W2.

AFN offers coaching and mentorship programs for Mortgage Loan Originators, operations personnel and support teams across Team AFN to grow their business to their full potential. These programs are sponsored by AFN, at no cost to you.