ideal lending loan officers guide

Contact Me Today!

Licensed Loan Originators We are expanding our team. Call now to apply!

Wilson D. EnriquezBranch Manager

NMLS# 244666

561-296-7520 Office

561-935-6848 Fax

561-351-7121 Mobile

[email protected]

www.ideallending.net

5589 Okeechobee Blvd #101

West Palm Beach, FL 33417

American Financial Network, Inc., dba Ideal Lending Solutions, is not a government entity. Ideal Lending Solutions is licensed by the Florida Mortgage Lender Servicer Branch License #MLDB2928 under Nationwide Mortgage Licensing System (NMLS), unique identifier of 1223464. Refer to http://www.nmlsconsumer.org/ and input NMLS #237341 to see where AFN is a licensed lender. All American Financial Network, Inc. programs are subject to change without notice.In all states, the principle licensed office of American Financial Network, Inc. is 3110 Chino Ave. #290, Chino Hills, CA 91709; Phone: (909) 606.3905. This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.The content in this advertisement is for informational purposes only.

Rev: 10/20/14© American Financial Network, Inc. AFN LoAN oFFIceR oppoRtuNIty GuIde-IdeAL

ABOUTTHE COMPANY

Ideal Lending Solutions is a division of American Financial Network, Inc. AFN is one of the

fastest growing mortgage bankers in the United States. Built on core values, streamlined

operations, and an approach to customer service founded on exceeding expectations,

it’s no wonder why more and more top producers are choosing us!

• Lending since 2001

• Family owned and operated

• Headquartered in Chino Hills, California

• Licensed in over 30 states

• Growing nationally

• 65+ branches

• Funded >$1.5 billion in 2013

• 95% retail, 5% wholesale

• Strong balance sheet

• Fannie Mae Seller/Servicer

• Ginnie Mae Issuer

• USDA and VA LAPP approved

Jack ShermanChief Executive Officer

John ShermanPresident

Jonathan Gwin, EsqChief Operating Officer

& General Counsel

Bob Telles, CPA, MSTChief Financial Officer

Twyla HankinsVP of Operations

Scott McGinleyVP of Secondary Marketing

Dedicated Leadership

CORP NMLS# 237341, EQUAL OPPORTUNITY EMPLOYER, EQUAL HOUSING LENDER

A HISTORYOF GROWTH

AFN is founded

AFN surpasses $1.5 billion in annual loan volume

Direct Fannie Mae Seller/Servicer, Ginnie

Mae Issuer

Expanding Nationwide. Come join us!

AFN goes agency direct

FHA Full Eagle

Today!

2013

2012

2009

2001

A bit about our history

LENDINGEXCELLENCE

Lending Excellence

By consistently combining sound lending practices with a can-do, on-time, every time

approach, we deliver a better lending experience.

• 24-48 hour turn times

• 25+ investors

• Agency direct

• Easy close fundings with advance wires

• Decentralized paperless underwriting

• Extended rate locks

• Jumbos

• 203(k) rehab loans

• Asset-based lending

• Foreign National

• Construction to perm

• Ability to broker when needed

• Downpayment assistance*

• State bond programs*

*Not in all states.

The products you need & the ones you want! We are an agency-direct lender that can give you the loan programs you expect and more.

and of course.. the basics

the hard

to find...

• FHA, USDA

• Veterans

• Conventional

• Reverse purchase

• Purchase money seconds

• Manufactured & Modular


• 2 Staff Attorneys

• Notices and updates of changes

• Non-QM Lending

• Compliance pre-approved marketing

EXPANDINGNATIONALLY

Expanding Nationwide

Licensed in over 31 states, American Financial Network is growing its footprint nationwide.

We make licensing easy with an in-house team of experts to guide the way.

Compliance Experts

Our in-house team of top-notch attorneys are dedicated to keeping up with the changing

regulatory environment. They work closely with our licensing and marketing teams to make

the company a secure place to work. We are here for the long haul.

DC

IL

KY

OH

GA

SC

NC

MI

PA

CO

NV

WA

UT

AZ NM

IDOR

TX

IN

MT

CA

MN

TN

WI

LA

AL

FL

VA

NJ

MD

HI

DE

RISD

KS

NE IA

ND

AR

WV

VT

MS

AK

MA

WY

OK

MO

NY

CT

NH

ME

Currently Licensed

Pending Licensing

West Coast HQ

East Coast HQ

Dedicated Support

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.

• Encompass 360 Banker’s Edition

• Integrated product & pricing engine

• Online Appraisal Platform

• 3rd party service ordering

• Online access to real-time loan status

• Paperless submissions

• Mortgage app for Apple & Android

• Personal websites

• E-disclosures

• Integrated marketing system

• Lead management / CRM

• Email & Drip Marketing

DEDICATEDSUPPORT

• We love to say “Yes!”

• Individualized support

• No red tape

• Real people, real answers

Technology & Loan Origination Systems

We know in today’s enviroment, the role of technology is paramount in the lending process,

that is why we provide web-based solutions, 24/7 access, smart system integration, make-

sense business rules and real automation.


Human Resources & Benefits

We offer a variety of benefits to fit the current needs of you and your family and to help plan

a future of leisure and choices in retirement. 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.

REALBENEFITS

• Human Resources team

• A culture of “Can-Do!”

• Medical Insurance

• Dental Insurance

• Vision Coverage

• Direct Deposit

• 401(k) Retirement

• Life Insurance

• Disability Insurance

• Flex spending account

• Dependant Care

• Medical out-of-pocket expense

We invest in people...

Creative Services

Like having your own personal full-service creative agency, you will have a team of in-

house marketers dedicated to developing powerful and professional company materials,

advertising, and campaigns to support your business.

CREATIVESERVICES

• LO websites with full LOS integration

• Lead to loan automated campaigns

• Loyalty program & Survey

• Drip marketing campaigns

• CRM with full LOS integration

• Marketing service agreements

• Promotional items

• Marketing summit events

• Brochures

• Booklets

• Postcards

• Flyers

• Business cards

• Letterhead

• Notecards

• Email Marketing

• Signage

• Banners

• Co-Branding

• Open House

• Rate Sheets

• Web Ads

• Social Media

• And More...

Marketing Power

A full suite of marketing resources, technology, tools, and services to empower you and

grow your business through relationship building, lead generation, affinity partners, events,

and even social media.


The AFN Brand

The American Financial Network brand conveys a positive customer experience for our

borrowers as well as our referral partners. We are commited to providing professional,

timely, and effective marketing resources to our Branch Managers and Loan Originators.

The American Dream Personified.

THE AFN BRAND

About Us

National Strength. Local Presence.

You build homes. We build loans.

Building Together

Every day we work with our builder partners

to change people’s lives by “Financing the

American Dream.” AFN constantly evolves

and adapts to ensure we are equipped with

the perfect blend of products and services to

provide the best possible home purchasing

experience for your buyer.

In today’s mortgage banking environment it

is important to

have the strength of a national

agency-direct lender combined with local

presence and support. Why deal with an

impersonal banking institution that ta

kes you

for granted or a local mom and pop shop that

lacks financial strength? A

t AFN we provide

the perfect balance of national strength and

local presence.

�Lending sin

ce 2001

�Direct Lender

�In-House Underwritin

g

�Fannie Mae Seller/Servicer

�Ginnie Mae Issu

er

�USDA and VA LAPP approved

YOUR LENDER

OF CHOICE

SAM

PLE

I am always here

contact me anytim

e.

Rev: 02/20/14© American Financial Network, Inc.

AFN_BRC_BUILDeR

American Financial Network, Inc. is licensed by Florida Mortgage Lender

Servicer License (MLD891) under Nationwide Mortgage Licensing System

(NMLS), unique identifier of 1103074. Broker is performing acts for which

a license is required. In all states, the principal licensed office of American

Financial Network, Inc. is 3110 Chino Ave #290, Chino Hills, CA 91709; Phone:

(909) 606-3905 (NMLS ID#237341). This is not an offer for extension of credit

or commitment to lend. All loans must satisfy company underwriting guidelines.

Not all applicants qualify. Information and pricing are subject to change at any

time and without notice.

John Manager

Branch Manager

NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

Tol. 877.123.1234 Ext. 1234

Mob. 123.123.1233

Fax. 123.123.2221

[email protected]

www.afncorp.com/johnmanager

100 Street Address

Suite 100

Charlotte, NC 28209

About Us

National Strength. Local Presence.

Together, we make it a reality. The American Dream

Every day we work with our Realtor® partners

to change people’s lives by “Financing the

American Dream.” AFN constantly evolves

and adapts to ensure we are equipped with

the perfect blend of products and services to

provide the best possible home purchasing

experience for your buyer.


is important to have the strength of a national



impersonal banking institution that takes you

for granted or a local mom and pop shop that

lacks financial strength? 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

YOUR LENDER

OF CHOICE

SAM

PLE

John Manager

Branch Manager

NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

Tol. 877.123.1234 Ext. 1234

Mob. 123.123.1233

Fax. 123.123.2221

[email protected]


100 Street Address

Suite 100

Charlotte, NC 28209

I am always here

contact me anytime.

Rev: 02/20/14© American Financial Network, Inc.AFN_BRC_ReALTOR

American Financial Network, Inc. is licensed by the California Department of

Business Oversight under the Finance Lenders Law License (603I415) and

holds a CA Bureau of Real Estate, Real Estate Broker’s License (01317581)

under Nationwide Mortgage Licensing System (NMLS), unique identifier of

271716. Broker is performing acts for which a license is required. In all states,

the principal licensed office of American Financial Network, Inc. is 3110 Chino

Ave #290, Chino Hills, CA 91709; Phone: (909) 606-3905 (NMLS ID#237341).

This is not an offer for extension of credit or commitment to lend. All loans

must satisfy company underwriting guidelines. Not all applicants qualify. Informa-

tion and pricing are subject to change at any time and without notice

About UsNational Strength. Local Presence.

We Finance The American Dream

Buying A Home

Every day we work with our clients to change their lives by “Financing the American Dream.” AFN constantly evolves and adapts to ensure we are equipped with the perfect blend of products and services to provide the best possible home loan experience.

In today’s mortgage banking environment it is important to have the strength of a national agency-direct lender combined with local presence and support. Why deal with an impersonal banking institution that takes you for granted or a local mom and pop shop that lacks financial strength? AFN has been providing the perfect balance of national strength and local presence since 2001. YOUR LENDER OF CHOICE

Our commitment to you

� Reliable communcation � Honesty & integrity

� A simpler process

� A great lending experience

SAM

PLE

I am always herecontact me anytime.

Rev: 02/20/14© American Financial Network, Inc.AFN_BRC_PURCHASe

American Financial Network, Inc. is licensed by Florida Mortgage Lender Servicer License (MLD891) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 1103074. Broker is performing acts for which a license is required. In all states, the principal licensed office of American Financial Network, Inc. is 3110 Chino Ave #290, Chino Hills, CA 91709; Phone: (909) 606-3905 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice.

John ManagerBranch ManagerNMLS #: 123456

Tel. 123.123.1234 Ext. 1234Tol. 877.123.1234 Ext. 1234Mob. 123.123.1233Fax. [email protected]/johnmanager100 Street AddressSuite 100

Charlotte, NC 28209

About UsNational Strength. Local Presence.

Improve your financial outlook.

Refinancing

Our commitment to you

Every day we work with our clients to change

their lives by “Financing the American

Dream.” AFN constantly evolves and adapts

to ensure we are equipped with the perfect

blend of products and services to provide the

best possible home loan experience.


is important to have the strength of a national



impersonal banking institution that takes you

for granted or a local mom and pop shop

that lacks financial strength? AFN has been

providing the perfect balance of national

strength and local presence since 2001.

� Reliable communcation

� Honesty & integrity

� A simpler process

� A great lending experience YOUR LENDER

OF CHOICE

SAMPLE

I am always here

contact me anytime.


AFN_BRC_ReFINANCe

American Financial Network, Inc. is licensed by Florida Mortgage Lender

Servicer License (MLD891) under Nationwide Mortgage Licensing System

(NMLS), unique identifier of 1103074. Broker is performing acts for which

a license is required. In all states, the principal licensed office of American

Financial Network, Inc. is 3110 Chino Ave #290, Chino Hills, CA 91709; Phone:

(909) 606-3905 (NMLS ID#237341). This is not an offer for extension of credit

or commitment to lend. All loans must satisfy company underwriting guidelines.

Not all applicants qualify. Information and pricing are subject to change at any

time and without notice.

John Manager

Branch Manager

NMLS #: 123456Tel. 123.123.1234 Ext. 1234

Tol. 877.123.1234 Ext. 1234

Mob. 123.123.1233

Fax. 123.123.2221

[email protected]


100 Street Address

Suite 100Charlotte, NC 28209

Let’s Work Together. C

all Now!


AFN_FLY_BUILDeR

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YOUR LENDER

OF CHOICE

ALWAYS IN-TOUCH

• Jumbos





We have the basics covered and more.

We are an agency-direct lender th

at can give you

the loan programs you expect and more.

...and, of course, FHA, VA, USDA, Conventional,

Reverse mortgage purchase loans, Purchase

money second mortgages, Manufactured &

Modular housing.

Constant Communication

Our system automatically provides re

al time milestone

alerts. Our people provide personalize

d weekly updates

ensuring you are notified every step of th

e way.

Meeting Deadlines

We understand that in

today’s competitiv

e market

where there are often multiple offers, m

eeting financing

contingency deadlines are just as im

portant as timely

closings. We do both.

Timely Closings

You set the closing deadline, not us. If

there is an issu

e

with it we will le

t you know in advance. Otherwise, we

get the closing package there on tim

e, every time.

John Manager

Branch Manager

NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

Cel. 123.123.1233

Fax. 123.123.2221

[email protected]

johnmanager.afncorp.com

100 Street Address

Suite 100

Charlotte, NC 28209

Let’s Build Together. Call Now!


AFN_FLY_BUILDeRlegal here Con rem fugit, conserunt, corepedis andandi qui dolut quos ulpa soluptae landame net, nime voluptaturEt facepre nonsequ iatque nisquia tionsectiate od quam ut dollaborum volec vendit, corepe





NATIONAL STRENGTH

LOCAL PRESENCE

The American Dream. Together, we make it a reality.

• Jumbos







We are an agency-direct lender that can give you the loan

programs you expect and more.

... and, of course, FHA, VA, USDA, Conventional, Reverse

mortgage purchase loans, Purchase money second

mortgages, Manufactured & Modular housing.

Fully underwritten

pre-approvals

We offer fully underwritten pre-approvals upon

request. We understand that a lot is riding on the

validity and reliability of the pre-approval and we

take that very seriously. You can count on our pre-

approvals to stand up where others don’t.

Why deal with an impersonal banking institution

that takes you for granted or a local mom and

pop shop that lacks financial strength? 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

We keep it simple and straight-forward.

It’s our job to keep you informed, meet all

deadlines, and close on time.

John Manager

Branch Manager

NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

Cel. 123.123.1233

Fax. 123.123.2221

[email protected]


100 Street Address

Suite 100

Charlotte, NC 28209

Call me anytime.


AFN_FLY_BUILDeR






ALWAYSIN-TOUCH

We keep it simple and straight-forward. It’s our job to...keep you informed, meet all deadlines, and close on time.

Constant CommunicationOur system automatically provides real time milestone alerts. Our people provide personalized weekly updates ensuring you are notified every step of the way.Meeting DeadlinesWe understand that in today’s competitive market where there are often multiple offers, meeting financing contingency deadlines are just as important as timely closings. We do both.

Timely ClosingsYou set the closing deadline, not us. If there is an issue with it we will let you know in advance. Otherwise, we get the closing package there on time, every time.

• Jumbos• 203(k) rehab loans • Asset-based lending• Foreign National• Construction to perm

• FHA, USDA• Veterans• Conventional• Reverse purchase• Purchase money

seconds• Manufactured &

Modular 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.

... plus the basics

The hard to find...

Fully underwritten pre-approvals We offer fully underwritten pre-approvals upon request. We understand that a lot is riding on the validity and reliability of the pre-approval and we take that very seriously. You can count on our pre-approvals to stand up where others don’t.

Let’s Work Together!

John ManagerBranch ManagerNMLS #: 123456

Tel. 123.123.1234 Ext. 1234Cel. 123.123.1233Fax. [email protected]

johnmanager.afncorp.com100 Street AddressSuite 100Charlotte, NC 28209

Let’s Work Together!


AFN_FLY_BUILDeR






• Jumbos• 203(k) rehab loans

• Asset-based lending • Foreign National




We are an agency-direct lender that can give you the loan programs you expect and more.

MORE PRODUCTS

MEANS SELLING

MORE HOMES.and

of course.. the basics

the hard to find...

• FHA, USDA• Veterans• Conventional

• Reverse purchase

• Purchase money seconds

• Manufactured & Modular

Fully underwritten pre-approvals available

John Manager

Branch Manager

NMLS #: 123456 Tel. 123.123.1234 Ext. 1234

Cel. 123.123.1233

Fax. 123.123.2221

[email protected]


100 Street Address

Suite 100Charlotte, NC 28209

Intended for use by industry professionals only. American Financial Network, Inc is doing business as Ideal Lending Solutions

CORP NMLS# 237341 ; Equal Opportunity Employer ; Equal Opportunity Lender American Financial Network, Inc. 3110 Chino Ave #290, Chino Hills, CA 91709.

ideal lending loan officers guide

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