This document discusses an educate2earn marketing plan for mortgage lenders. Some key points: - Over 19,000 real estate agents have attended CE classes taught by Amerifirst loan officers, earning over 58,000 CE credits. - The classes cover current market trends and have grown one company's business by over 483%. - Amerifirst has 16 branch locations across 4 states and is licensed in 8 states total. - They offer various specialized loan programs like FHA, foreign national, and manufactured home loans. - The goal is to be the lender of choice for real estate agents and treat employees and customers with integrity.

1. Chip Kron JT

2. Visibility Credibility
Profitability

4.  19,361 agents have attended 691 classes and earned 58,083 CE credits
 58,083 hours agents spent with our 68 loan officers currently approved to teach classes
 Real Estate school approved in 16 states with another 12 in process
 12 approved classes - 1 new class is added per qtr. based on current market trends
 Professional Power Points include 533 pages of current, relevant information
 Each class has anywhere from 14 to 31 pages of handouts that go with its presentation
teach 2 classes a month, with 28 agents in each class meet 672 agents a year!
 That means instead of begging for 10 minute meetings, you get 1800 hours of meetings
where the Agents Come To YOU!
 This marketing plan has grown one mortgage companies business by over 483%

5. Approved CE Class Topics
Behind the Scenes in Mortgage Lending
FHA/VA Loans-What Realtors® Need to Know
Home Affordable Foreclosure Alternative Program
Understanding FHA and VA Distressed Property Options
Understanding Short Sale RE Transactions in Arizona
How to Market Your Listings in 4 Easy Steps
Down Payment Assistance and the Consumer
Generating Leads Through Social Media Marketing
Section 8 Housing
Understanding Preforeclosure Purchases in Arizona
Understanding FICO Scoring and Managing Credit
Buying and Selling HUD Homes

6. Purchases
Refinance 30%
70%

7. Refinance
28%
Purchase
72%

8. Refinance
17%
Purchases
83%

9. Refinance
11%
Purchase
89%

10. 36.5% Increase
($146.5M)
$600,000,000 56.3% Increase
($162.7M)
$500,000,000
$400,000,000
2010
$300,000,000
2011
$200,000,000
$100,000,000
50.7% Growth
$-
Total Loans Purchase Loans

11. 31.8% Increase
(784 Loans) 47.6% Increase
3,500 (928 Loans)
3,000
2,500
2,000 2010
1,500 2011
1,000
500
50.7% Growth
0
Total Loans Purchase Loans

12. 16 Branch Locations Today and Growing
Arizona – 11 Branch Locations
 California – 4 Branch Locations
 Idaho – 1 Branch Location
 Licensed in AZ, CA, CO, ID, ND, NM, UT, WA (TX in process)

14. Courthouse Steps Program
Courthouse Fix and Flip
Stated Income Foreign National Program (Investor)
Capital Mortgage Services
FHA Loans:
FICO down to 580
Manufactured Homes (No singlewide)
Conventional Loans:
Up to 10 financed properties
Foreign National Program-30% down
Delayed Financing program
Fannie/Freddie 125% program
Hauled Water (Needs their approval)

15. Chip Kron explains educate2earn Marketing Plan
JT explains the educate2earn Marketing Plan in Detail
What AmeriFirst LO Does for The Realtor
The Value of Being Seen – CE Class Slides
FHA – CE Class Slides
Sample CE Class – Social Media Marketing

16. 1992 1993 1998 2001-2005 2005
• Ralph • Ken • Eric • Eric and • Eric and
Larsen Bowlby Bowlby Ken built Ken
formed joined joined Amerifirst bought
Amerifirst Amerifirst Amerifirst to a $30 Amerifirst
million a from
month Ralph
company
2007 2009 2010 2011 2012
• Amerifirst • Fred Kron • Amy • Expansion • Exciting new
endured a joined Hilliard into partnerships
California & programs
lot of Amerifirst joined and outside that will
growth Financial Amerifirst of Maricopa continue to
Financial County set us apart
(Yuma) from our
competition

17. Our goal is to be the lender of choice for the professional real estate agent
and their clients in each market we enter as measured by all industry
service level surveys reported.
We will succeed by meeting the needs of our borrowers through exceptional
communication and transparency throughout the loan process and
conducting our business with absolute integrity.
Amerifirst’s people will be the source of our competitive advantage. We will
distinguish ourselves by creating an environment that fosters teamwork and
innovation. We will utilize our employee’s abilities to the fullest while at the
same time treating each other with dignity and respect.