Once you Prequalify your loan with an AFR Account Executive, the following documentation should be emailed directly to your Account Executive. A copy must also be sent to submissions@afrwholesale.com.

1. Completed Loan Submission Form
2. FNMA 3.2 Doc File
3. Supporting Documentation
4. Appraisal (if available)

Information on how to convert 1003 to FNMA 3.2 Format (Click Here)

For other delivery options, see your Account Executive
Click here for Account Executive contact information

Note: Portfolio refinances will not be underwritten without an appraisal. The pre-qualified loan (see Prequalification Procedures) will still be submitted and disclosed (if AFR is the lender). If AFR is not the lender, such as in a Table Funded or Correspondent relationship, the file will still be pre-qualified and submitted but will not be disclosed.

AFR will send the file to underwriting once an appraisal dated within 60 days of submission is received. Please send the appraisal to appraisals@afrwholesale.com and/or your AFR Account Executive. (See Appraisal Procedures)

This procedure only applies to refinances submitted for AFR’s Portfolio program. All other programs will be underwritten with or without an appraisal.