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Exhibit A <br />Scope of Services <br /> <br />Loan Servicing for Amortized and Deferred Loans <br /> <br />1. Loan Boarding: <br /> <br />a. Flow Loans: The Client is responsible for completing an electronic loan setup form, available on <br />AmeriNat’s portal, for flow loans being transferred to AmeriNat for servicing. When fully <br />complete, the Client uploads the form to the AmeriNat portal. <br /> <br />2. Introductory Package: Upon boarding of a new loan, AmeriNat will send a welcome package to the <br />borrower. This welcome package contains a Notice of Servicing Transfer, Fair Debt Notice, FACT Act <br />Letter, and a variety of options to submit payments. <br /> <br />3. Collection and Remittance of Payments: AmeriNat will collect payments from the borrowers through <br />monthly or other scheduled remittances of principal, interest, fees, escrow balances and other <br />identified payments. Payments can be made via check to a secure lockbox, multiple payment options <br />online, reoccurring ACH, and through “check-by-phone”1, and via the AmeriNat app. These <br />remittances will be posted to the loan and ancillary records in accordance with the loan documents <br />and the Client’s written instructions. Payments will be posted the same day as receipt. Funds will be <br />maintained in an FDIC insured banking institution in a custodial account for the benefit of the Client <br />and the borrowers as applicable. AmeriNat balances cash received and transmitted and loan portfolio <br />totals on a daily and monthly basis. Remittances, including payoffs funds, will be forwarded to the <br />Client monthly net of fees and other authorized charges due to AmeriNat. <br /> <br />4. Payment of Property Taxes: At the Client’s request, AmeriNat will order a tax service contract and <br />monitor the timely payment of property taxes. <br /> <br />5. Insurance Monitoring: AmeriNat will notify the insurance agent in writing that AmeriNat is monitoring <br />premium payments and is to be made aware of delinquencies, non-renewals or cancellations. <br />AmeriNat will force place insurance in accordance with respective regulation (see Lender Placed <br />Insurance section). <br /> <br />6. Escrow/Impound Account: If the Client chooses, AmeriNat will establish a borrower escrow/impound <br />account for the payment of taxes and insurance. AmeriNat will collect the monthly escrow payment <br />from the borrower and make the tax and insurance payments on the borrower’s behalf. The borrower <br />escrow accounts will be analyzed annually in accordance with the Real Estate Settlement Procedures <br />Act (RESPA). <br /> <br />Please note: For single-family loans, unless respective state law requires otherwise, AmeriNat’s <br />escrow analysis utilizes a 2-month cushion in accordance with RESPA. This cushion is an industry <br />standard and is intended to minimize the likelihood of escrow shortages / deficits when and if escrow <br />disbursement items increase. If this cushion is not consistent with the Client’s current escrow analysis <br />process, borrowers’ escrow analysis may result in a shortage and/or escrow payment increase at the <br />time of AmeriNat’s first analysis. This may impact borrowers’ ability to make increased monthly <br /> <br />1 Additional fees apply. <br />Docusign Envelope ID: 2B617463-847A-4D49-A35E-F34CFC91F6B8