2. PARTNER WITH AFR AND JOIN
OUR WINNING TEAM

3. WHO WE ARE
AFR Wholesale, a division of American Financial
Resources, Inc. is a nationwide wholesale
mortgage lender based in Parsippany, New
Jersey

4. WHO WE ARE
Ranked #1 in 203(k) lending for Sponsored
Originations, we are also a Ginnie Mae issuer,
Fannie Mae and Freddie Mac Seller/Servicer,
FHA Mortgagee, USDA National Lender, and VA
Automatic Lender.

5. WHO WE ARE
In business since 1997, American Financial
Resources, Inc. has grown to one of the largest
wholesale lenders in the country.
We currently serve thousands of small, medium,
and large mortgage brokers, mortgage bankers,
banks, and credit unions throughout the nation.

6. No lender fees
Significant savings passed on to
your customers

7. CONVENTIONAL LOAN PROGRAMS

8. CONVENTIONAL PROGRAMS
• Up to 97% LTV
• 620 minimum qualifying credit score
• Lender Paid Mortgage Insurance options
available

9. CONVENTIONAL PROGRAMS
Fannie Mae Fully Amortizing /
High Balance Fixed

10. CONVENTIONAL PROGRAMS
Fannie Mae MyCommunityMortgage®

11. CONVENTIONAL PROGRAMS
Fannie Mae DU Refi Plus™
Part of the Home Affordable Refinance Program (HARP) 2.0

12. CONVENTIONAL PROGRAMS
Fannie Mae HomeStyle® Renovation

13. CONVENTIONAL PROGRAMS
Freddie Mac Relief Refinance℠
Open Access Loans
Part of the Home Affordable Refinance Program (HARP) 2.0

14. CONVENTIONAL PROGRAMS
Freddie Mac Fully Amortizing /
Super Conforming

15. CONVENTIONAL PROGRAMS
Texas Home Equity 50(a)(6)

16. FHA LOAN PROGRAMS

17. FHA LOANS
• Minimum qualifying credit score: 600*
• 580 for CDE
*With the exception of One Time Close (620 minimum)

18. FHA LOANS
FHA Purchase and Refinance

19. FHA LOANS
FHA 203(k) Rehabilitation Loan

20. FHA LOANS
FHA Streamlined 203(k)
Rehabilitation Loan

21. FHA LOANS
FHA Repair Escrow 203(b)

22. FHA LOANS
FHA Manufactured Home Loans

23. FHA LOANS
FHA One Time Close

24. FHA LOANS
FHA 203(h) Mortgage Insurance
for Disaster Victims

25. FHA LOANS
FHA 5/1 Hybrid ARM

26. FHA LOANS
FHA Good Neighbor Next Door
(GNND)

27. FHA LOANS
FHA $100 Down

28. FHA LOANS
FHA Hawaiian Homelands Loan

29. FHA LOANS
FHA Streamline Refinance

30. SPECIALTY PROGRAMS

31. SPECIALTY PROGRAMS
Alternative (Alt) Option Series
• Alt-Option Income – Max $1.5M
• Alt-Option Asset Inclusion – Max $1.5M
• Alt-Option Access – Max $850,000
• Alt-Option Ratio Programs – Max $1.5M

32. SPECIALTY PROGRAMS
Non-Agency Jumbo
• Up to $2.5 million
• Non-warrantable condos and condotels allowed

33. USDA Guaranteed Rural Housing
• 620 minimum qualifying credit score
• Manufactured homes eligible

34. VA – Veterans Affairs Loan Program
• Interest Rate Reduction Refinance Loan (IRRRL)
Unlimited LTV
• Jumbo loans available for homes up to $1.5M
• Manufactured Homes Eligible

35. Multiple submission channels
available

36. Delivery Channels
• Correspondent (C)
• Delegated Correspondent (CDE)
Underwriting Authority (flow or bulk)
• Table Fund (TF)
• Wholesale (WS)

37. Wholesale Direct
FREE PROCESSING
You Originate. We Close.
It’s that Simple.

38. Sign up with us. It’s easy!
• Apply directly through the Comergence system
• Loan in hand? No problem! We have a short
application for quick approval
• Choose multiple lending channels, you select on a
loan-level basis

39. PARTNER WITH US TODAY