Joel S. Pate, Founder & Chairman, Ox Publishing


According to most, Joel Pate is a financial engineer who cobbles together or creates products and services in the financial space and turns them into marketable products. He doesn’t try to re-invent the wheel. He takes proven methods and tries them in his own business. Most of the time they work thanks to an unrelenting drive to succeed.

His latest venture is the creation of Ox Publishing (www.OxPublishing.com), which provides products for consumers to purchase and provides consumers with lines of credit.

Prior to that, he founded and built American Family Funds, a leading and highly respected provider or down payment assistance to first-time home buyers providing more than $3.6 Billion in direct financial investments.



Industry Education

  • Top Gun New Home Sales Training
  • 3 CCIM Classes
  • GRI Designation
  • National Association of Credit Service Organization CROA Certification™
  • Certified FICO Professional™


  • Multi-Company Broker
  • CE Course Instructor

Work Experience

American Family Dream Corporation (2013)

  • Lead Alabama consumers to successfully enter or re-enter the housing market by training REALTORS™ to assist consumers with credit challenges to successfully close transactions.
  • Approved Technology Partner FannieMae Home Counselor Online (HCO)
  • Alabama Center for Real Estate Platinum Sponsor


American Family Funds Inc. President and Founder (2001-present)

  • 67,000 first time home buyers nationwide
  • $7.6 billion residential transactions
  • Founding Chairman Industry Trade Association HAND (Homeownership Alliance of Non-Profit Down Payment Providers)
  • Led industry meetings with top officials from Housing and Urban Development (HUD) and Congressman including Richard Shelby Chairman of the Senate Banking Committee
  • Obtained a Temporary and Permanent Injunction against Secretary of HUD Alphonso Jackson from entering into Administrative Rule Making procedures against industry


American Funding Network Inc. (Since 2002)

  • Real Estate Brokerage – Multi Company Broker


Vadium Group Inc. (Since 2006)

  • Multi Company Broker
  • Company licensed in Alabama since 2010
  • Past licenses: GA, FL, MS
  • One Time Close Construction Perm Expert 2006-2008
    • Managed $100 Million One Time Close Construction Perm portfolio
  • Manage personal portfolio of 40 residential properties in Alabama and Mississippi
  • Recruited and trained loan originators on all aspects of One Time Close Construction Perm lending including credit criteria to meet lenders/Fannie/Freddie/FHA/VA guidelines


OX Publishing and Hutton Chase Corporation, President and Founder (Since 2007)

  • Sub-prime credit provider (report to credit bureaus)
  • Assisted over 50,000 consumers to rebuild credit


Score Inc. President (Since 2010)

  • Oversee processing/review of over 6,000 credit bureau reports per month
  • Provider of software, outsourcing and training to credit repair industry
  • Hold weekly training with credit repair company owners
  • Train processors to review and properly communicate with Equifax, Transunion and Experian as well as 10,000 data furnishers through the US


Pate Real Estate and Construction (family business 1980-1986)

  • Responsible for the sale and construction of over 500 homes and the development of four subdivisions. Managed all activities of company including financing arrangements and credit issues with clients