2. AFR Wholesale, a division of American Financial Resources, Inc. Nationwide wholesale residential mortgage lender Headquartered in Parsippany, NJ. – Corporate Office – Operations – Wholesale Sales and Administration GNMA approved seller/issuer, FHA Mortgagee and FNMA seller/servicer. Grown to one of the largest FHA lenders in the country. “Our goal is to be the most professional and knowledgeable FHA Wholesale Loan Consultants in the mortgage industry. By combining our outside consultant team with an efficient, consistent and courteous inside support team, we will show our valued business partners how to grow their business through the FHA Lending Channel”

3. Our Team Dedicated Account Executive – Primary point of contact, – Provides support, communication and initial submission qualifications Assigned Account Manager – An AFR Account Manager collects the underwriting conditions and helps complete the file for closing. Centralized Processing and Underwriting – Manual FHA underwriting Dedicated Account Executive (AE NAME) Wholesale Loan Consultant Phone: Fax: : AE Email:

4. Premium Purchase, Cash out, and Rate & Term Transactions FICO 660+  Best prices - Fastest turn-times for underwriting and closing  FICO: 660+  LTV/CLTV: Purchase 96.5%, R/T Refi 97.75%, CO Refi 85%  Fixed Rate: FHA 15 Year, FHA 25 Year, FHA 30 Year  Adjustable: 5/1 ARM 30 Year  Property Type: 1-4 Unit, PUD, Approved Condos  Max Loan Amount: FHA County Limit  Manufactured Housing Standard Purchase, Cash out, and Rate & Term Transactions FICO 620 - 659  FICO: 620 – 659 FICO or 620+ Manual Underwrite  LTV/CLTV: Purchase 96.5%, R/T Refi 97.75%, CO Refi 85%  Fixed Rate: FHA 15 Year, FHA 25 Year, FHA 30 Year  Adjustable: 5/1 ARM 30 Year  Property Type: 1-4 Unit, PUD, Approved Condos  Max Loan Amount: FHA County Limit  Manufactured Housing Portfolio Purchase, Cash out, and Rate & Term Transactions FICO 600-619  FICO: 600-619  LTV / CLTV: Purchase 96.5%, R/T Refi 97.75%, CO Refi 85%  Fixed Rate: FHA 30 Year, FHA 25 Year & Adjustable: 5/1 ARM 30 Year  Property Type: 1-2 Unit, PUD, FHA Approved Condos  Max Loan Amount: FHA County Limit or $417,000 for SFR or $533,850 for 2 Unit.  No Non-Occupied Co-Signers  Must have verifiable 12 mo. Housing history  No Gift funds for downpayment Product Snapshot

5. Milestones Procedures Pre-qualification Account Executive (AE) will pre-qualify your loan prior to it being sent to our Set up and Underwriting departments. Loan Submission Once the loan is Pre-qualified by the AE, the file should be registered through WebTrac ** and initial documents uploaded as NEW FILE SUBMISSION (see instructions). Appraisal Streetlinks is our preferred appraisal management company.They are one of the most used AMCs in the industry. Please see our website of the appraisal procedure. Loan Tracking Track Your Loan with WEBTRAC, a complete web-based, loan-tracking tool. Locking Loans can be locked once an approval is issued by an AFR underwriter. Simply send the completed Lock request form to lockdesk@afrwholesale. Closing The closing process is fast and easy. Simply schedule your loan once it’s cleared for closing. AFR Wholesale Procedures Note: All Forms found on www.AFRWholesale.com/all_forms **Please Contact AE For WebTrac Access

6. www.AFRWholesale.com Important Links – Webtrac – Product Matrices – Daily Rate Sheets – Mortgage Payment Servicing Resources – Forms Borrower Disclosures Consumer Protection Borrower Acknowledgement Policy and Procedures FHA/HUD Links Loan Submission GFE Helpdesk Mortgage Calculators FAQs News – Bulletins – Up to date industry changes / archives – Press Releases Turn Times Procedures – Sign up for our Daily Rates emails and bulletins – Outline of procedures for each step of loan process – Forms / email addresses for submissions and closings Contact Us – Company Contacts – Broker Sign Up – Client Survey A Key Resource for our Clients

7. Contact Information Dedicated Account Executive (AE NAME) Wholesale Loan Consultant Phone: Fax: : AE Email: Corporate Address 9 Sylvan Way Parsippany, New Jersey 07054 Account Manager (ACCT MGR NAME) Phone: Fax: ACCTMGR@afrwholesale.com Mortgage Payment Servicing Department Phone: 800 316-9508 Email: paymentquestion@afrmortgage.com