ARE YOU READY TO
Jason Mucha
Branch Manager NMLS #1284943
(951) 286-0463 JMucha@afncorp.com www.afncorp.com
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Reshaping the MORTGAGE
INDUSTRY CUTTING EDGE TECHNOLOGY
ROBUST TRAINING
HIGH ENERGY CULTURE
COMMISSIONS PAID WEEKLY
BEST-IN-CLASS MARKETING OFFERING
LICENSED IN ALL 50 STATES
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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 and the District of Columbia (DC) and funding over $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 organically—even through the housing bubble—in in just the past few years, we have more than tripled our number of employees.
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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 200 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
Sales Focused Strategy
Licensed in 50 States + D.C.
AFN’s branching strategy reflects
AFN is licensed in all 50 states
all geographic markets in a
a
empowering
+ the District of Columbia. That
fluctuating, sometimes volatile
culture; one that rewards effective
means, with the proper state
secondary market requires a
leadership
the
licenses, you have the ability to
nimble team with a commitment
support your team needs. Our
originate loans across the nation!
to core values. Our values place
role is to simplify processes
Our dedicated licensing team is
strong emphasis on streamlined
and remove obstacles, allowing
here to assist you with obtaining
operations, a flat management
Branch Managers and their teams
and maintaining state licenses
model focused on production
to focus on building their business,
while preparing for a bright and
support, and a customer service
achieving
prosperous future with AFN.
approach designed to exceed
milestones,
expectations at every level.
the benefits of our collective
Sustained
growth
across
flexible
and and
provides
goals, and
surpassing enjoying
successes.
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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 is what sets us apart.
John Sherman 06
| CHIEF EXECUTIVE OFFICER
Milestones 2001
2009
2012
AFN Founded by Jack Sherman in Chino Hills, CA
AFN Receives FHA Full Eagle
AFN Funds > $1B and is Licensed in 17 States
2013
2015
2017
AFN Becomes FNMA Seller/Servicer and Ginnie Mae Issuer
AFN Funds > $3B, Ranked Top 50 in the Nation and Licensed in Over 40 States
AFN Funds > $4B, Ranked one of America’s Fastest Growing Companies
2018
2019
2020
AFN Funds > $4.2B, Ranked Top Mortgage Employer
AFN Funds > $7.6B, Licensed in 50 States + Distict of Columbia
AFN Funds > $13.6B and Funded > $1B 9 Months In A Row
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Our
CULTURE
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
EDUCATION
PEOPLE
HARD WORK
INTEGRITY
TECHNOLOGY
TEAMWORK
FUN
The 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.
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.
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.
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.
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.
To succeed in a highly competitive field, we know we must be willing to work harder than out peers. Our team is trained, responsive, and ready to work for you.
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.
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.
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LENDING
Excellence
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-qualification, fully underwritten 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.
Speed. Scale. Simplicity. It’s simply... the AFN way. SPEED
SCALE
SIMPLICITY
We deliver uncomplicated
Our balance sheet and paperless
We believe in keeping things simple
and
underwriting,
processes provide tremendous
and straightforward. You won’t find
closings, and other services
scalability to meet your market
overcomplicated
to our branches..
demands.
timely
convoluted
Branch Relations Department
Purchase Prioritized Underwriting
Scenario Desk
Easy Closing/Funding
Typical 24-48 Hour Turn Times
Advance Wires
On Time, Every Time Closing
Decentralized Underwriting
40+ Investors
Paperless Process
Agency Direct
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or
ALL THE TOOLS YOU NEED WITHOUT THE RED TAPE. AFN is a Fannie Mae and Freddie Mac Seller/Servicer, Ginnie Mae Issuer, USDA and VA LAPP approved. We have it all, from the basics to the hard to find.. AFN services include fully underwritten 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
THE PRODUCTS YOU NEED TO GET THE BUSINESS YOU WANT. •
Asset-Based
•
FHA, VA, USDA
•
Non-QM
•
Construction-Perm
•
FHA 203k Rehab
•
Reverse
•
Delegated
•
Ginnie Mae Direct
•
State Bond Programs
Non-Conforming
•
Jumbo
•
Plus more!
Fannie Mae Direct
•
Manufactured Housing
•
*Limited to loan being ready for closing. Numerous factors outside of lender’s control may lengthen or cause significant delays to
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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 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 originators with the very best solutions and support possible.
Keeping referral relationships strong.
We provide our Loan Officers a 3-year
From promo to apparel, you’ll find it all
loyalty campaign on every closed
online at the AFN Store. We pre-stock
loan, free of charge. These automatic
many items for fast shipping and also
communications will keep you in touch
feature many choices. Event rentals can
with your customers in a fun, interesting,
be easily ordered as well.
and easy way.
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Brand building made easy.
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 NEED TO SUCCEED
In-House Marketing & Design Team
On-Demand Marketing Library
Company Paid CRM & Marketing Suite
You have the support of the AFN
The library features more than 1,000
The
marketing team! We offer custom
marketing pieces, from multi-media
Encompass and gives you access
creative development including idea-
campaigns to direct mail postcards.
to all your contact details, scenarios
storming, graphic design, copywriting
Each piece is customized for you and
and marketing history. You can
and compliance review.
is already compliance approved.
also manage/track leads within the
CRM
is
integrated
with
system, free of charge.
Social Media Library
Referral Parnter Marketing
Co-Branded Marketing
The AFN Social Media Library is
We know your Referral Sources are
At AFN, you’ll have access to on-
fully stocked with posts, videos and
the lifeblood of your business. AFN
demand
infographics to keep in touch with
Marketing provides turnkey solutions
materials, as well as co-marketing
your clients and referral partners on
that create opportunities to develop
systems that help you find top
social networks.
new and existing referral source
referral partners, earn their trust, and
relationships!
form lasting relationships.
co-brandable
marketing
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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
Fully Paperless Operations
NYLX – Pricing Engine Online. Anytime, Anywhere!
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
•
comp goal
Job Functions •
One system integration
•
Position specific dashboards
•
Performance metrics
•
Robust production reporting and
•
•
•
branch performance trends
•
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Real time financials with loan and LO level profitability
spherical macro level perspective of
Market View: know your competition to vet your recruits
Goals and leaderboards
SNAP APP
Health Rings show daily, weekly work needed to hit comp goal
analytics engineered to give you a
•
Sales inputs desired annual
Borrower Web-based POS for
•
Verifies assets with eVerify
Easy Interaction
•
Inputs appraisal payment info
•
Initiates application
•
Works on any device including
•
Runs their own credit check
•
Uploads requested items
Mac and iOS •
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 an important part of our expansion efforts. You can count on us to: •
Assist Loan Officers with maintaining active
•
Provide discounted savings to NMLS approved
licenses, providing insight to license inquiries,
pre-licensing and continuing education vendors
and assistance with new license applications.
as well as state exam prep material.
Comprehesive 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
PAYROLL & RETIREMENT
•
Medical/Dental/Vision Insurance
•
Commissions Paid Weekly
•
Life Insurance
•
Automated Payroll
•
Disability Insurance
•
Direct Deposit
•
Flexible Spending Account
•
401K Plan & Match Program
•
Medical Out-of-Pocket Expense
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Branch NMLS# 1462185. American Financial Network, Inc. is licensed by the California Department of Business Oversight under the California Financing Law License (60DBO52631) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 1462185. Loans made or arranged pursuant to California Financing Law. Refer to www.nmlsconsumeraccess.org and input NMLS #237341 to see where American Financial Network, Inc. is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 92821; Phone: (714) 831-4000 (NMLS ID#237341). This information is intended to assist Real Estate Brokers, Agents, and other 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.
1611 Pomona Road, Suite 201, Corona, CA 92880 • Branch NMLS #1462185 Corp NMLS: 237341 | Equal Opportunity Employer | For Industry Professionals Only Corporate: 10 Pointe Dr, Suite 330, Brea, CA 92821