Work Less, Earn More, Live Better.

Building Your Business at AnnieMac Home Mortgage

AnnieMac Home Mortgage logo

Our Approach: Deliberate & Proactive.

We take the "corporate" out of "corporation."

  • Branch to Branch Teamwork
  • Tools for Efficient Communication
  • Flat Structure
  • All Access Pass to Loan Products
  • Internal Masterminds
  • Direct Access to Your Leaders
We Partner To Build Your Business Plan And Ensure You Beat It!
Creating business plans for every Loan Originator and Branch Manager is not just an exercise but a roadmap for achieving your goals. We follow up monthly and provide tailored resources and support to help accomplish those goals.

At AnnieMac, we truly value every member of our team. Your voice is always heard and never ignored. Our leadership actively seeks collaboration and input from across the company for initiatives and future plans. As a result, we move forward together with a unified vision and shared goals.

Kevin Dolan
Branch Manager

Inclusive & Collaborative Culture. We foster an inclusive and collaborative sales culture.

Through initiatives like masterminds for products such as AnnieMac Cash2Keys & Non-QM Loan Programs; access to external coaching programs like Mortgage Marketing Animals & Vision 20/20; Weekly open forums for sharing insights and updates; Leadership Advisory Council for guidance

Additional Support For Branch Managers! Including assistance with recruitment.

Whether your aim is to expand your Realtor® business or increase market share, we collaborate with you and our marketing partners to provide resources, support, & technology. We offer tools like AnnieMac Cash2Keys, Rate Relief Program, and RELO Dual Compensation to help you gain market share by acquiring new referral partners.

Our Differentiators: Growing Your Business With Realtor® Differentiators.

We provide the latest and greatest in mortgage products.

  • 300+ Products
  • A New Product Per Week on Average
  • The Best Affordable Housing Programs
  • Offerings Condo & Renovation Loans
  • Unique Non-QM
  • 35+ DPAs & 120+ HFAs
  • 8+ of Jumbo Outlets
  • 7+ of Non-QM-Outlets

Introducing AnnieMac Private Equity Cash2Keys: The Market Solution

Cash Offer

Cash Offer allows everyday buyers to make real, all-cash offers. AnnieMac Private Equity provides the cash needed upfront, and once your client's offer is accepted, they can finance their mortgage through AnnieMac Home Mortgage or their preferred lender.

Buy Now, Sell Later

With Buy Now Sell Later, AnnieMac Private Equity buys the home so your client can move right in while taking the time to comfortably sell their old one. Then, AnnieMac Private Equity sells that new home directly to them as soon as they are ready.

Sales Manager, Tom Bickett's experience highlights the significant impact of AnnieMac Cash2Keys. How AnnieMac Cash2Keys Has Led To Real-Life Success:

  • AnnieMac Cash2Keys has been instrumental in generating over 75% of Tom's leads, allowing him to secure deals he wouldn't have otherwise received.
  • Through AnnieMac Cash2Keys, Tom has successfully closed deals with clients who initially opted for traditional methods but later chose to work with him, resulting in new referrals and partnerships with agents.
  • Tom attributes much of his organic business to AnnieMac Cash2Keys, emphasizing its role in engaging more agents and clients.
  • He views AnnieMac Cash2Keys not just as a transactional tool but as a platform hat fosters deeper connections with agents and enables more effective market engagement, especially in challenging market conditions.

No Matter The Scenario: Your Clients Can Rest Easy.

AnnieMac has the perfect solution.


This unique offering lets you attract more homebuyers with just a 1% down payment. AnnieMac adds an extra 2% or $2000 lender grant, giving them 3% equity instantly.

Rate Relief

In a market where timing is crucial, a rate buydown can reduce monthly mortgage payments. With Rate Relief, your clients can lower their mortgage rate and the cost of owning their home.

RELO Dual Comp

With new regulations in place, Realtors can now become Licensed Loan Officers and earn extra by assisting in loan processing activities.

We Operate In Excellence: In Every Stage Of The Mortgage Process.

Our operations team structure and processes are optimized for effectiveness and efficiency, maintaining the highest standards of professionalism.

  • Automate tasks where possible, prioritize hands-on attention where it matters most.

  • High staffing ratios for swift loan assistance.

  • Branch autonomy with flexible processing structures.

  • Decentralized processing, centralized underwriting for consistency.

  • "Ask Annie" our virtual Sharepoint Assistant.

  • Tailored branch operations integrated into corporate pods.

  • Streamlined processes, including automated conventional disclosures.

  • Access to big organization resources with personalized service.

  • Minimized overlays, adherence to agency guidelines.

  • Loan Support Center offering scenario assistance and product expertise.

Our Marketing Team Helps You: Focus On What Drives Real Business Growth.

Our approach is simple: we provide the tools, content, and strategic partnerships to build your business and support your success.

  • Marketing Engagement Manager

    A dedicated marketing partner offering monthly strategic planning sessions to grow your business and leverage your capabilities.

    Boosted productivity with 1:1 planning.
  • Social Media

    Through our social media platform, Social Coach, we can help you facilitate brand visibility, customer engagement, lead generation, and networking opportunities to ultimately contribute to business growth and success.

    New Social Posts Added Weekly!
  • Customer Relationship Manager

    All-in-one mortgage platform with unique features such as a simple user interface, mobile app, actionable dashboard, integrations with POS and LOS, and ownership of your campaigns and messaging.

    Pre-made Campaigns for Instant Audience Engagement.
  • Individual Websites

    Your personalized website includes easy lead capture, borrower education, easy-to-use loan calculators, and a custom bio to help your borrowers connect to you both professionally and personally.

    Optimized Landing Pages to Drive Leads.
  • Create.More Studio

    Our asset library is here for you, ready to access instantly and expanding daily. Find flyers, signage, stationery, social media posts, and more-all customizable to feature Realtor and Loan Partners.

    400+ Templates & MLS integration
  • Mortgage Coach

    A Borrower Intelligence Platform that helps mortgage professionals provide personalized loan advice to clients through detailed comparisons, interactive presentations, and scenario analysis. Enhance your customer understanding and decision-making by offering transparent information on mortgage options.

    Driving new Leads Daily.

    A Borrower Intelligence Platform that leverages Data Intelligence and Lead Triggers to automatically request and share outstanding reviews. Efficiently manage multiple online listing sites from a single portal to ensure your reputation shines across platforms.

    Share Your Reviews Easily!
  • nCino (SimpleNexus)

    Mortgage software and tech for the modern lender! Automate your marketing, boost lead conversion, maintain borrower engagement, implement a mobile POS, and recruit new partners with our easy-to-use Mortgage CRM solution.

    Collect Applications in Minutes.

Join Today! We Can't Wait For You To Join Our Family.

We are growing and need highly motivated people like you to help us continue AnnieMac's success. Join a team that values community, communication and a passion for the mortgage process. We are so excited to welcome you to the family.

About AnnieMac Home Mortgage

Established in 2011, AnnieMac began with a fundamental belief: Homeownership is a core aspect of the American Dream.

  • Large company with a boutique transactional experience.
  • No bureaucracy.
  • Open door access to executive team.
  • Your opinion matters. We listen.

Our Vision

To refine the mortgage lending experience, where every homeowner's journey is marked by unparalleled ease, transparency, and personalized support.

Our Mission

To empower dreams, build sustaining futures, and establish lasting partnerships with our customers through our innovative and personalized mortgage solutions.

We Inspire! We Inspire Our Sales Teams To Continually Increase Productivity.

Through key meetings, summits, and competitions. As a family, we recognize each other's successes during company-wide meetings & events. We enhance engagement with new products through competitions across the business.

  • President's Club

    This prestigious honor for top performers includes an all-expenses-paid trip and exclusive events. Previous trips have taken place at top resorts in Puerto Rico and Cancun.

  • Sales Summit

    Our annual in-person meeting gathers the entire salesforce to learn, grow, and enjoy time together. Our annual Sales Summit is hosted in October.

We Give Back! We Believe In Giving Back To Our Local Communities As Well As Our Internal Mortgage Family.

Through our Fetch the Ball Golf Outing benefitting Freedom Service Dogs of America and our Sunshine Fund, we are committed to helping our communities succeed as well as supporting our employees and their families.

At AnnieMac Home Mortgage, we're driven by a commitment to integrity and excellence.

At AnnieMac, we truly value every member of our team. Your voice is always heard and never ignored. Our leadership actively seeks collaboration and input from across the company for initiatives and future plans. As a result, we move forward together with a unified vision and shared goals.

We strive to cultivate strong relationships with our real estate partners, empowering them through education and support to elevate their status and maximize the value they bring to the market.

Joe Panebianco
CEO & Founder

Our Executive Team, fueled by decades of experience and dedication to the AnnieMac mission and vision, is motivated by a commitment to integrity and excellence.

  • Ryan Kube President & Chief Growth Officer

  • Craig Ungaro Chief Operating Officer & Chief of Staff

  • Vince Ingui Chief Production Officer of Distributive Retail

  • Stephanie Zinsmeister Executive Vice President of Operations

  • Scot Ferrell Executive Vice President of Capital Markets

  • Ellen Duncan Chief Marketing Officer

  • Jeffrey Levine Chief Financial Officer

  • Matt Beckwith Executive Vice President of OVM Sales

  • Gabriel Gillen Executive Vice President of Family First Funding

  • Fobby Naghmi Senior Vice President of homecomings

Join Today! We Can't Wait For You To Join Our Family.

We are growing and need highly motivated people like you to help us continue AnnieMac's success. Join a team that values community, communication and a passion for the mortgage process. We are so excited to welcome you to the family.

Get More, Earn More! Take Charge Of Your Career Today.

American Neighborhood Mortgage Acceptance Company, LLC dba AnnieMac Home Mortgage ("Company," "We," or "Us") seeks your consent to contact you with certain non-emergency, automated, autodialed, prerecorded, or other informational and telemarketing phone calls or text messages under the Telephone Consumer Protection Act (“TCPA”). By selecting ‘Submit,’ you are providing your electronic signature and thereby authorize Us, our service providers, and/or our affiliates to contact you and any joint applicant at the home phone and/or mobile number listed above, and you agree such contact may be made using an automatic telephone dialing system (ATDS) or artificial prerecorded voice. Further, by selecting ‘Submit’, you acknowledge and agree that: you are not required to grant your consent as a condition of buying any property, goods, or services; you may revoke your consent at any time by calling (888) 636-1335 or by emailing; Message and data rates may apply.