We help our clients protect large, geographically dispersed portfolios of mortgage loan, REO and investment properties. Our process identifies risk, mitigates loss and ensures compliance with state statutes and the requirements set forth by insuring entities.
Portfolio Risk Audits
Lenders valuing a loan portfolio look to AO to provide a quick, reliable risk analysis of statutory liens and unpaid balances to supplement their due diligence. Our portfolio liability research locates all COAs/HOAs related to properties and provides data to assess any current/potential unrecorded liability.
To accommodate a lender’s analysis of a large order in a short timeframe, AO software facilitates batch receipt and delivery of data.
AO captures liability and risk data, including unknown foreclosure status
through the exercise of statutory rights, on batch properties in quick turn.
Investment and REO Portfolio Management
Whether holding investment properties for the long-term, or REO properties through sale, our clients rely on AO to quickly ascertain association-related risk – from the point of purchase or origination of a mortgage.
We assist our clients in the stabilization of investment properties from purchase at auction (frequently sight unseen) to transitioning HOA account management from an overwhelmed in-house team. We are the trusted advisor to the single family rental investment industry bringing our deep knowledge of HOA management/governance to our day-to-day interaction and account resolution on every clients' behalf. AO facilitates the transfer of the account and all needed corrections to significantly reduce costs and speed marketability. We:
• Locate all related COAs/HOAs
• Transition account ownership
• Negotiate outstanding balances adhering to statutory limits and the rules of the community
• Obtain accurate ledger
• Secure governing documents
• Monitor/maintain account compliance
• Guarantee all property accounts are current and violation-free, never at risk for foreclosure
• Create a repository of all information, forms and documentation to support the work of your maintenance, property marketing and tenant management teams 24/7
Association Account Risk Score®
AO provides an economically feasible solution to managing the ongoing association account risk of large existing loan portfolios. Our Association Account Risk Score® identifies the risk inherent in any given property for an escalating association balance and costly association collection process, that have the potential to lead to association foreclosure proceedings based on more than a dozen dimensions.
The Score lets the lender/investor to apply the appropriate risk mitigation measures to achieve title security with economic feasibility and helps to prioritize property resolution.