Best Practices

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Keeping Your Home
Helping you keep your home is one of AHMSI’s main priorities. Our specially trained associates will evaluate your loan before the foreclosure process begins. These associates will work closely with you to ensure that a variety of workout options, such as extended repayment plans, have been explored. Please visit  FAQ for more information.

No Incentive Compensation
Our associates do not receive additional compensation based on the payments they collect. Rather, they receive incentives as a motivation for achieving a courteous and quality interaction with our customers, which results in a resolution of financial issues thus helping the majority of our borrowers keep their home.

Borrower Outreach
We focus on keeping borrowers in their homes through participation with the Home Ownership Preservation Foundation. This partnership connects borrowers throughout the country with free counseling services. Additionally, our Home Ownership Preservation Office works with other non-profits such as HUD sponsored groups, HOPE NOW and Neighborworks to educate borrowers and meet with them face-to-face.

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AHMSI participates in the HOPE NOW Alliance. AHMSI acquired the servicing business of one of the first participants in the HOPE NOW Alliance, Option One Mortgage, in 2008.

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AHMSI is one of 12 major mortgage institutions joining forces with the NeighborWorks ® Center for Foreclosure Solutions. Focused on foreclosure hotspots, this national partnership is supported by a national call center and a network of local non-profit partners to provide face-to-face counseling.

AHMSI understands that unexpected circumstances, such as unemployment, reduced income, divorce, disability, or illness may affect a person’s ability to make their mortgage payments. If you are behind in your mortgage payments, or you anticipate getting behind, we want you to be aware of various alternatives to foreclosure that may be available to you. You can access information on foreclosure avoidance and have the ability to complete a financial workout form online, and a home retention team member will contact you to determine which alternatives may be available. We will also provide you with a list of organizations, which may be able to help you stay out of delinquency or foreclosure, along with their phone numbers.

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