EXHIBIT 99.4

[FIDELITY LOGO]                                             PRESS RELEASE

[ANFI, INC. LOGO]

   FIDELITY NATIONAL FINANCIAL, INC. AND ANFI, INC. ANNOUNCE THE SIGNING OF A
                              DEFINITIVE AGREEMENT

Irvine and Orange, Calif. -- (January 10, 2003) -- Fidelity National Financial,
Inc. (NYSE: FNF), the nation's largest provider of title insurance and real
estate related products and services, and ANFI, Inc. (NASDAQ: ANFI), a provider
of title insurance and other real estate related services today announced the
signing of a definitive agreement whereby FNF will acquire all of the
outstanding common stock of ANFI that it does not currently own. FNF currently
owns, directly or indirectly, approximately 33% of the outstanding common stock
of ANFI. On December 16, 2002, FNF announced that it had entered into a letter
of intent to acquire ANFI.

      Under the terms of the Definitive Agreement, each share of ANFI common
stock will be exchanged for .4540 shares of FNF common stock. The transaction is
subject to customary closing conditions, including regulatory approvals and the
approval of ANFI shareholders. The parties expect to close the transaction in
the second quarter of 2003.

      Fidelity National Financial, Inc., a Fortune 500 company, is the nation's
largest title insurance and diversified real estate related services company.
FNF had total revenue of nearly $3.9 billion and earned more than $300 million
in 2001, with cash flow from operations of more than $425 million. The Company's
title insurance underwriters - Fidelity National Title, Chicago Title, Ticor
Title, Security Union Title and Alamo Title -- together issue approximately 30
percent of all title insurance policies nationally. The Company provides title
insurance in 49 states, the District of Columbia, Guam, Mexico, Puerto Rico, the
U.S. Virgin Islands and Canada. In addition, FNF performs other real
estate-related services such as escrow, default management, exchange
intermediary services, home warranty, flood insurance and homeowners insurance.

      FNF also provides real estate and technology services through its
majority-owned, publicly traded subsidiary, Fidelity National Information
Solutions (NASDAQ: FNIS). FNIS provides data, technology solutions and services
to lenders, Realtors and other participants in the real estate transaction
process. More information about the FNF family of companies can be found at
www.fnf.com and www.fnis.com.

      Headquartered in Orange, California, ANFI, Inc. provides title insurance
services and other real estate related informational services through its
subsidiaries in California, Arizona, Colorado, Nevada and New York through 106
direct branch operations. ANFI, as part of its overall services, provides
ancillary services such as real estate information, trustee sales guarantees,
exchange intermediary services, document research services, notary signing
services, property management and appraisals. A complete description of the
subsidiaries can be found at www.anfinc.com.

      In connection with the proposed transaction, FNF and ANFI will file a
registration statement, proxy statement and prospectus with the Securities and
Exchange Commission. INVESTORS AND STOCKHOLDERS ARE ADVISED TO READ THESE AND
ALL RELATED DOCUMENTS WHEN THEY BECOME AVAILABLE BECAUSE THEY WILL CONTAIN
IMPORTANT INFORMATION. Investors and stockholders may obtain a free copy of the
registration statement, prospectus, proxy statement, and related documents when
they become available from the Securities and Exchange Commission's web site at
http://www.sec.gov. Free copies of these documents may also be obtained from
ANFI, Inc. by directing a request to ANFI, Inc., Investor Relations, 1111 East
Katella Avenue, Suite 220, Orange, California 92867, or from FNF by directing a
request to Fidelity National Financial, Inc., Investor Relations, 4050 Calle
Real, Santa Barbara, California, 93110.

      This press release contains statements related to future events and
expectations and, as such, constitutes forward-looking statements. These
forward-looking statements are subject to

known and unknown risks, uncertainties and other factors that may cause actual
results, performance or achievements of FNF and ANFI to be different from those
expressed or implied above. FNF and ANFI expressly disclaim any duty to update
or revise forward-looking statements. The risks and uncertainties which
forward-looking statements are subject to include, but are not limited to, the
effect of governmental regulations, the economy, competition and other risks
detailed from time to time in the "Management's Discussion and Analysis" section
of both companies Form 10-K and other reports and filings with the Securities
and Exchange Commission.

SOURCE:  Fidelity National Financial, Inc. and ANFI, Inc.

CONTACT: Daniel Kennedy Murphy, Senior Vice President, Finance and Investor
Relations, 805-696-7218, dkmurphy@fnf.com or Michael C. Lowther, Chairman and
CEO, ANFI, Inc. 714-289-4300 corporate@atitle.com