In October of 2001, Garry McCubbin, Esq., and Wes Kozeny, Esq., determined to create a different kind of professional organization. Beginning as an effort to bring residential mortgage industry professionals together, today's AFN is the largest national organization of its kind and has become a sweeping industry phenomenon.

As members of the residential mortgage community, we are privileged to live and work in an industry that is constantly growing and changing. Our industry is teeming with talented and highly energetic professionals who are overflowing with new ideas and approaches. Attorneys, residential mortgage bankers, and service providers alike are part of this dynamic, and by working together we can become a force for strategic information, quality education, positive innovation and change.

We seek members who will join with us to provide the members of the residential mortgage banking industry the education necessary to thrive in a business environment of increasing interdependency and change. We seek to foster a dynamic educational environment where the ever present changes in our industry offer our members an opportunity to learn and grow. We see the AFN as a leader in education, connection, innovation, and industry wide coordination.

Those of us who are working in the residential mortgage banking industry today will witness significant changes. The AFN will remain focused upon providing the best in education and working with our members to make this industry of ours a better place for all of its stakeholders. "Change your thoughts and you change your world," Norman Vincent Peale (1898 - 1993).