About Us

American Funding Network is committed to bringing you the best possible value on products that we have tested and that we are confident will improve your business and the financial life of your customers.

About the Founder, Joel S. Pate:

Joel S. Pate, founder of Ox Publishing, Vadium Group, Profitable Marketing Assistant, National Mortgage Advisors, and American Family Funds. He is a dedicated entrepreneur. Joel has spent almost three decades in the mortgage and real estate industries, and has the proven the ability to consistently generate double, and often, triple digit growth for those he works with.

Early in his career, Joel gained experience in the real estate and construction industry with Miranda Development Group, a highly recognized homebuilder in Alabama. For more than fifteen years, he oversaw the construction and sale of over 500 homes.

He has been a licensed Alabama Real Estate Broker since 1991 and an Alabama Real Estate Agent since 1985. Since that time, Pate has been involved in over $450 Million Dollars in construction loans and over $1.3 Billion Dollars of direct real estate investment and sales. Joel’s real estate company is currently licensed in Alabama, Mississippi, Georgia and Florida with offices opening soon in Tennessee, North and South Carolina as a real estate asset management company and representing builders in their quest to increase their market share.
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In late 1999, Joel was introduced to non-profit assistance programs that provided the down payment for home buyers. He founded American Family Funds Down Payment Gift Program in 2001. In addition, Joel helped to form the industry’s trade association, the Homeownership Alliance of Non-Profit Down payment Providers (HAND). Consequently he served a term as HAND's first elected Chairman. Since inception, American Family Funds has helped over 68,000 families purchase a home, by providing Down Payment Assistance through 5,000 loan originators nationwide.


In 2005, Joel founded National Mortgage Advisors a corporate business development company to specializing in One Time Close Construction Perm lending and client retention.

https://www.oxpublishing.com/uploads/media/shelby.jpgSince early 2006, Joel has been featured author in Broker Magazine and Origination news as a weeklycontributor. In his column, Joel provides straightforward, unbiased advice about every aspect of Construction Permanent Lending, client retention and personal development.

In 2006, Joel was selected as part of the NRCC's Business Advisory Council. This council was formed to involve the country's top business leaders in the process of government reform.

Joel currently resides in Mobile, Alabama with his wife of 25 years, Mitzi Pate. They have two daughters and one grandson and a very special English Springer Spaniel named Buddie!