Our Services
Loan Servicing
AmeriNat provides comprehensive loan administration across single family, multifamily and commercial asset classes for a wide variety of clients. AmeriNat is licensed in states throughout the nation and Puerto Rico, and is approved by FHA/VA, USDA, Fannie Mae and Freddie Mac. AmeriNat’s “client-centric” culture emphasizes portfolio performance goals, data transparency and an agile work philosophy designed to bring high value to customers.
“We have found that there are times when you need business partners with specialized skill sets to do things the right way, particularly when facing potential compliance challenges. We needed a partner that we could rely upon to handle our portfolio in a member centered and professional way. Since we began our relationship with AmeriNat in November 2010, we have had no member service issues. AmeriNat’s professional staff is proactive and anticipates challenges. They are quick to communicate and provide sound advice. If you need professional, compliant mortgage servicing of the highest quality, I am more than willing to give AmeriNat two big thumbs up!"
-Credit Union Client
View Our Services
Setup and transfer
Payment processing
Payoffs and reconveyances
Tax and insurance monitoring
Escrow management
Escrow analysis
Mortgage/UCC maintenance
Custodial account management
Credit reporting
Document control
Analytics and special reports
Quality control
Vendor management support
Tax reporting
Private label services
Comprehensive Investor reporting
Call center support for borrowers
Deferred/deferred-forgivable loan management
Cash flow loan servicing
Construction loan servicing
HELOC servicing
Loss Mitigation
AmeriNat’s loss mitigation teams are experienced with a broad range of borrowers under multiple types of investor programs. Frequent outreach and encouragement of non-judicial debt resolution serve as the foundation for AmeriNat’s collections activities. The AmeriNat teams also manage loan relationships through bankruptcies, foreclosures, judicial remedies, asset liquidation, REO management, and claim reporting.
Asset Management
AmeriNat offers Asset Management services for both commercial and multifamily properties. Services range from review of financial and operating data (including calculations for surplus cash-flow loans) to risk rating analysis, loan work-out activities, reserve analysis and compliance monitoring. AmeriNat also provides Property Conditions Profiles, Affidavits of Ownership, Income Reverifications, and offers a comprehensive Property Assessed Clean Energy (PACE) assessment management service.
Underwriting
AmeriNat provides seasoned underwriting experience for both single family and multifamily asset classes. With decades of experience in LIHTC, HOME and other funding sources, clients rely on AmeriNat for compliance, comprehensive financial analysis, underwriting, and market, developer, and ownership capacity evaluation. In addition, AmeriNat has extensive experience underwriting for emergency relief programs such as Hardest Hit Fund (HHF), Emergency Rental Assistance (ERA) and the Homeowner Assistance Fund (HAF).
“AmeriNat has been accurate and efficient in underwriting and processing applications … I recommend AmeriNat to any government agency that was considering their services.”
-State government client
Compliance Monitoring
AmeriNat provides comprehensive compliance monitoring services for LIHTC, HOME, HUD, and USDA programs, tax-exempt bond projects, and a multitude of state level programs. In addition to monitoring services offered in connection with its Asset Management activities, tenant file reviews, site visits, and Management Company reviews support program compliance. In addition, AmeriNat provides payroll monitoring services including compliance with Davis Bacon wage requirements and Section 3.
Consulting
Whether it is assistance with a portfolio purchase, policy development, or identifying process improvement opportunities, AmeriNat staff are ready to assist clients with their loan programs. Our team becomes your partner in solving pressing needs in your business. In addition to our subject matter experts, our technology team has years of experience providing custom reporting and data analytics services.
Commercial PACE Management
AmeriNat offers property tax management services to the Commercial PACE (C-PACE) industry. This service is offered on a stand-alone basis and complementary to C-PACE loan servicing activities. AmeriNat manages assessment enrollment, payment receipt, and investor remittances, provides payoff calculations, works directly with the taxing jurisdictions to reconcile assessments, and provides extensive investor reporting. AmeriNat is also able to direct-bill assessments to the property owner/borrower.
In addition to its history of expertise with loans promoting affordable housing and economic development (job creation), AmeriNat has a defined expertise in green energy programs. Loans and assessments under management currently support renewable energy and energy efficiency improvements such as solar, geothermal and HVAC for retrofit and new construction projects.
“From the moment we began conversations about assisting our PACE Program Administration business with servicing assistance, we have particularly appreciated the patience you and your staff have shown…. It allows us to save a significant amount of time when compared with other county government collections that we oversee on behalf of the PACE Districts that we manage.”
-PACE ADMINISTRATOR