Abby McDaniel Builder Services Booklet
Builder Services Division
Table of contents
A family company with family values
Discover the AmeriFirst Builder Services difference
AmeriFirst at a glance
Professional marketing assistance
Interactive lead capture
The Green Value Mortgage
Getting your Green Value Mortgage approved
A family company with family values
AmeriFirst Financial, Inc. has proudly assisted our clients in achieving the dream of homeownership for more than 25 years. Simply stated, it is our mission to build and nurture relationships with the builder community through providing unparalleled customer service and quality mortgage products. We understand how competitive today’s mortgage industry is. In order to gain and keep the trust of our referral partners, we make it a priority to hire the industry’s best talent. Our culture is built on pursuing excellence – the AmeriFirst professional has a desire to be the best, to keep improving. We all have a responsibility to make our origination team successful, and each department takes their responsibility to heart. When you spend the time to get to know AmeriFirst, you will discover: • An underwriting team that is a partner, not an obstacle to go through • A doc and funding department that prides itself on the same day turn arounds • A secondary department proactively working to expand our loan program options • A marketing team that is second to none
Our culture is built on pursuing excellence – the AmeriFirst professional has a desire to be the best, to keep improving.
the AmeriFirst difference. Let us show you
AmeriFirst Financial, Inc. AT A GLANCE Proudly providing mortgage loans for more than 25 years
Discover the AmeriFirst Builder Services difference It has been said that ‘strategy without process is little more than a wish list.’ And with that, the AmeriFirst Builder Services Division was born . AmeriFirst Financial, Inc. has earned the trust of our referral partners by working hard to uncover and address the specific and changing needs of the builder community. We strive to be of great value through providing innovative mortgage and marketing solutions with exclusive programs like:
Founded in 1989
Focused on building meaningful relationships within the real estate community
Committed to providing quality mortgage options
50 BEST COMPANIES TO WORK FOR
Employees (as of August 2017)
• New Home
• AFI 100 • Credit Services • Green Value Mortgage • MyAFILoan
Advantage Program • The Buy Out Program
Total loan volume funded by year
FHA/VA Conventional Jumbo Grant/DPA Niche Reverse Mortgages Green Value Mortgage Loan programs (Residential & Commercial)
AmeriFirst Financial, Inc. is licensed to originate loans in 19 states
2010 2011 2012 2013 2014 2015
7,000 8,000 6,000 5,000 4,000 3,000
of our business is PURCHASE LOANS 76 %
Number of Loans Funded by Year
100 2010 2011
2012 2013 2014 2015 2016
2015 top dollar value ranking # 63
INDUSTRY RECOGNIZED LEADERSHIP Eric Bowlby, CEO
Most Influential Mortgage Executives
Data as of 10/25/17
the AmeriFirst Builder Services Division. Your future is bright when you work with
Cutting edge marketing + operational efficiency AmeriFirst Financial, Inc. provides consumer works and live webinars on topics such as credit education, home buyers workshops and property investments.
Builder Specific Benefits • Preferred Builder status moves complete loan files through the system faster • Extended builder locks may be available • Escrow holdbacks available for post closing disbursements such as pool construction • Exclusive Green Value Mortgage Program
Operational Highlights • Fannie Mae direct seller • In-house disclosures • E Disclosures • Delegated in-house underwriting • Docs drawn in-house • In-house funding • Day 1 Certainty
• Digital guest registration • iPad mortgage application • Loan milestone emails to borrower and Realtor • AFI mobile applications • Automatic soft pull of credit • Interactive lead capture
Interactive lead capture
iPad Registration Technology at each subdivision allows for outstanding lead management.
Builders are able to track guest registrations by date visited, subdivision of interest, and timeframe for build-out.
Lead management system allows builder transparent views into borrower status throughout the loan process.
Introducing the AmeriFirst Financial, Inc.
Getting your project approved
M O R T G A G E AmeriFirst Financial, Inc.
Complete & submit project information sheet at: www.greenvaluemortgages.us/builders One of our team members will contact you within 24 hours
The Green Value Mortgage is an exclusive loan program offered by AmeriFirst Financial, Inc. that rewards builders and their buyers for building green. Research has shown that consumers who purchase energy efficient homes have a lower default rate. The Green Value Mortgage allows buyers to benefit from the responsible choice of buying an environmental friendly home.
The Green Value Mortgage provides more buying power, translating into more money in your pocket.
Review, sign & submit contract and supporting documents to your Green Value Mortgage representative
Benefit to buyer
• Reduced lender fees to $900 • Reduced mortgage insurance • Reduced interest rates
Once processed, a Quality Built, LLC representative will contact you to schedule a site visit to verify adherence to standard building requirement
Benefit to builder
• Increased revenue • Reduced risk
Start selling! Your Green Value Mortgage approval certificate will be issued upon completion of all necessary inspections
• Provides a competitive edge • Increased borrower buying power = reduced interest rates with Green Value Score of 75- • Reduced fees ($900 total lender fees) • Additional marketing exposure
In addition to the increased buying power, your project will benefit from additional exposure using a variety of marketing platforms.
Is the Green Value Mortgage a conventional or FHA loan? Both! AmeriFirst FInancial, Inc. utilizes standard buyer underwriting requirements for both Conventional and FHA loans. • Conventional options include a Fannie Mae approved 97% First-Time Homebuyer loan • An exclusive down payment assistance program (AFI 100) provides qualifying buyers with DPA of a non-repayable gift of 3.5% (standard FHA underwriting and fees apply)
What is a Green Value score?
The Green Value Score takes into consideration all green products and construction practices and gives the builder credit for successful implementation of required standards.
You will also be equipped with on-site signage, including electronic lead capture functionality. This will save you time, and show potential homeowners that you are serious about helping them find their green, dream home.
Your project will be showcased on the Green Value Mortgage website.
An interactive map highlights projects by state, and includes links directing interested viewers to your website.
How does a home become eligible for a Green Value Mortgage? A Quality Built inspection qualifies the home for Green Value Mortgage eligibility with no disruption of building process.
What is the benefit of obtaining the HomeID Green Value Score validation?
Who is Quality Built ?
There are many! Builders enjoy reduced warranty call-backs and no upfront fees. Buyers receive their digital documents via www.homeid.com at no cost. Since the digital file follows the home, homeowners can rest assured that the house will be attractive to future potential buyers if they should ever want to sell.
Quality Built has inspected over 600,000 homes in the past 10 years, and as a result has created a streamlined and builder friendly process. Quality control by Quality Built offers the following benefits: • Program coordination and training • Advanced third-party quality assurance – 100% of the home inspected • HERS testing by Energy Inspectors • Material and product inventory • HomeID Green Value Score validation
Properties with a Green Value Certificate benefit from the HomeID® integrated home management platform. A benefit to both builders and buyers, HomeID is a tool designed to help home owners keep track of the documents that matter most regarding their homes:
When is the Green Value fee paid? The Green Value fee is paid at close of Escrow.
• HOA manuals • Homeowner manuals • Warranty documents
• Maintenance requirements • Appliance and product information • Floor plans
www.amerifirst.us | www.greenvaluemortgages.us
AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright 2017. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AZ: Arizona Mortgage Banker License No. BK0013635; CA: Licensed by The Department of Business Oversight under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; WA: Washington Consumer Loan Company License No. CL-145368. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA).
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