State Requirements

AFR requires all closing documents including the note, mortgage, legal description, lease and all other closing documents be reviewed by the AFR approved attorney.
Note: Only required on Hawaiian Homelands Transactions.

Approved Attorney
Steven E Thomas LLLC
201 Merchant Street Suite #2230
Honolulu, HI 96813
808-599-5990
chelsey@stevethomas.us or dale@stevethomas.us

Title is valid for 60 days on Louisiana loans.

AFR requires an approved closing attorney in NY to conduct all NY settlements. You or the borrower may choose from the list below.

AFR permits a CEMA for a subject property in New York. AFR requires a CEMA approved attorney to conduct the settlement. See below for the list of CEMA approved attorneys.

Due to the rules and regulations of the Texas Department of Insurance, title policies should reflect the proposed insured as: American Financial Resources, Inc., and each successor in ownership of the indebtedness secured by the insured mortgage, except a successor who is an obligor under the provisions of Section 12(c) of the Conditions and Stipulations.

AFR requires the use of AFR’s Texas counsel on all Texas transactions except Correspondent Delegated transactions:

The Sandler Law Group (“SLG”)
717 North Harwood Suite 1600
Dallas, TX 75201
Phone: 214-220-6300
Docs Support:  1-888-674-3621
Email:  docs.support@asurity.com

• Title is valid for 60 days on Texas loans.
• AFR utilizes a 3rd party document prep company for all Texas loans; these loans require 48 hours for both title review and to generate the closing package.
• AFR does not permit Texas Home Equity 50(a)(6) and Non-Home Equity 50(a)(4) with the exception of Fannie Mae and Freddie Mac financing.  See Fannie Mae or Freddie Mac Texas Home Equity 50(a)(6) and Non-Home Equity 50(a)(4) for guidelines.