No Overlays
A smarter, more human, loan process.
That's not just our tagline—it's our commitment to finding the perfect harmony between innovative technology and the personal support of experienced professionals. It's how we partner with our originators, so they can offer the same to their clients.
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The originators overview
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Amres Overview
Discover why our organizational ethos makes us stand out.
Compensation & Benefits
Competitive rewards designed for your dedication.
Operational & Support Structure
Empowering the worlds best originators with cutting edge-tools and streamlined processes.
Marketing &
Client Acquisition
Client Acquisition
Amplify your reach with our robust support.
A diverse product suite
Diverse solutions to cater to every borrower’s needs.
Your growth path
Charting a fulfilling and progressive career journey.
Section 1
AMRES OVERVIEW
Discover why our organizational ethos makes us stand out.
Amres Overview
Who we are
We could throw all of the common statements at you that we’re sure you’ve heard before. We’re a family. We work as a team. And while we believe them to be true, they don’t hold much weight until you experience that warmth for yourself. A lot of our employees, both on the operations and sales side, have been with us for long tenures. We care about everyone who works here. We care about each other.
Relatively speaking, Amres is a younger company. We were born out of the idea that the old way of doing things isn’t necessarily the right way. We’re constantly working to improve, refine and reinvent both the ways we work together and the ways we work with our customers. Do we get it right every time? Of course not. What we promise though is an organization that values and fosters collaboration. Ideas are free flowing and every voice matters.
What is the box?
This winter warmer package was sent to all of our employees during a cold snap. We wanted to send something that would replace a warm hug... Which HR wouldn’t let us do anyway. The package included a winter hat, socks, a mug, and hot cocoa.
We also encourage and support volunteer efforts of our employees in whatever community or location they hold near and dear.
Amres Overview
Where we work
Amres is short for our original name, American Residential, which was meant to speak to the idea of fulfilling the American dream, and owning a home. While our headquarters is situated just outside of Philadelphia, we have physical branch and office locations all across the country. We encourage our employees to work in whatever fashion they find to be most productive and conducive to their lives and family. That means that many of our operations staff choose to work from home. This flexibility helps us span every time zone to provide support where and when it’s needed.
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Section 2
COMPENSATION & BENEFITS
Competitive rewards designed for your dedication.
Compensation & Benefits
Transparent Compensation
At Amres, we recognize the unique value each Loan Officer brings to the table. Understanding that a one-size-fits-all model doesn’t always cater to individual strengths, our compensation structure varies for every Loan Officer. This flexible approach ensures both company-generated leads and self-sourced opportunities are rewarded appropriately, enabling you to maximize your earnings.
Furthermore, in our commitment to fairness and staying attuned to market dynamics, you have the option to review and adjust compensation on a quarterly basis. And for those moments when liquidity is crucial, we are open to facilitating draws, ensuring you have financial support when needed. With Amres, you’re not just another employee; you’re a valued partner, and our transparent compensation model echoes this ethos.
Furthermore, in our commitment to fairness and staying attuned to market dynamics, you have the option to review and adjust compensation on a quarterly basis. And for those moments when liquidity is crucial, we are open to facilitating draws, ensuring you have financial support when needed. With Amres, you’re not just another employee; you’re a valued partner, and our transparent compensation model echoes this ethos.
Compensation & Benefits
Benefits at Amres
At Amres, we deeply value our Loan Originators, understanding that their well-being directly impacts our collective success. That’s why for those designated as full-time, we present a comprehensive suite of benefits designed to cater to their holistic needs. Our benefits package extends beyond the standard, ensuring both physical health and financial security are taken care of. This includes:
- Medical Coverage: Prioritizing your health with top-tier medical benefits.
- 401k Match: After 90 days all employees are eligible for a 100% match of up to the first 4% into their 401K.
- Dental Care: Ensuring your smile stays as bright as your future with us.
- Vision Benefits: Taking care of your eyesight, a crucial asset in our line of work.
- Life and AD&D Insurance: Providing peace of mind for you and your loved ones.
- Disability Coverage: Safeguarding your financial stability against unforeseen events.
- Employee Assistance Programs: Dedicated to supporting your mental and emotional well-being.
- Flexible Spending Account (FSA): Giving you the power to manage your pre-tax dollars effectively.
- Dependent Care Account: Assisting you in securing the best care for your dependents.
With Amres, our commitment extends beyond the professional realm. We aim to support every facet of your life, ensuring you can focus on what you do best, with peace of mind.
Section 3
OPERATIONAL & SUPPORT STRUCTURE
We've honed our processes to perfection. From the initiation of underwriting to processing and the final closure of deals, every step is streamlined for efficiency. This precision ensures that as a Loan Officer, your transactions move seamlessly, allowing you to close more deals in less time and ensuring satisfaction for all parties involved.
At Amres, efficiency isn’t just about speed; it’s about creating a well-oiled machine where every cog works in harmony. Here’s how we ensure our operations are as seamless as possible:
At Amres, efficiency isn’t just about speed; it’s about creating a well-oiled machine where every cog works in harmony. Here’s how we ensure our operations are as seamless as possible:
Open Communications
Our foundational principle is transparency. We believe that open channels of communication between all stakeholders ensure clarity, reduce errors, and facilitate swift decision-making.
Supportive Processors
Our processors aren’t just back-end support; they’re your allies. They work hand-in-hand with our Loan Officers, ensuring each application is handled with utmost care, precision, and dedication.
Pipeline Reviews with Originators
To ensure alignment and progress, we conduct regular pipeline reviews with our Loan Officers. This practice helps identify bottlenecks, prioritize tasks, and streamline workflows for better efficiency.
Manager-Processor Interactions
Our managers are actively involved, consistently meeting with processors. These engagements foster a mutual understanding of goals, and challenges, and ensure strategies are aligned for operational success.
Proactive Problem-Solving
Management collaborates closely with underwriters and processors to spot potential speedbumps in the loan process. By identifying and addressing these in real-time, we ensure a smoother flow, minimizing delays and enhancing client satisfaction.
Clear Escalation Process
In the rare event of issues or conflicts, our clear escalation process ensures that problems are swiftly brought to the attention of the right personnel. This structure guarantees quick resolutions and maintains the integrity of our operations.
Operational & Support Structure
Operational Efficiency
In today’s digital age, having the right tools at your fingertips can drastically enhance efficiency, accuracy, and client satisfaction. At Amres, we pride ourselves on providing our Loan Officers with cutting-edge technology to ensure they stay ahead in the game:
Modern Retail POS
Catering to the evolving needs of our clients and officers, our Point of Sale (POS) system is nCino, designed with modern retail in mind. This interface is user-friendly, intuitive, and aids in streamlining client interactions, ensuring faster transactions and better experiences.
Customized CRM Options
Recognizing that every Loan Officer has unique preferences and workflows, we offer customized Customer Relationship Management (CRM) options. This personalization allows for better lead management, tailored client interactions, and more effective follow-up processes.
Polly.io Pricing Engine
Pricing is a critical component in the lending space. With the Polly.io pricing engine integrated into our tech suite, our Loan Officers can swiftly and accurately generate loan scenarios, ensuring clients get the best available options and clear, transparent quotes.
Operational & Support Structure
Continued Learning
At Amres, we prioritize your growth and adaptability in the ever-evolving world of finance. Here’s how we ensure you’re always ahead:
Resourceful Documentation & Tutorials
We have curated a comprehensive collection of sales documents and tutorials designed specifically for the lending industry. These resources provide insights into best practices, strategies, and tools, ensuring our Loan Officers are always a step ahead.
Dedicated Sales Support
Our dedicated sales support team is always on standby, ready to assist with queries, provide clarifications, or offer insights, ensuring that you can focus on what you do best – building relationships and closing deals.
Expert Marketing Guidance
In today’s digital era, effective marketing can be the difference between good and great. Our expert marketing team is always available to provide tailored advice, from leveraging digital platforms to optimizing traditional channels.
Section 4
MARKETING & CLIENT ACQUISITION
We recognize that every Loan Officer has a unique approach to marketing, influenced by their comfort level, expertise, and time constraints. With that understanding, we’ve designed our marketing support to flexibly cater to your preferred level of involvement:
Marketing & Client Acquisition
Tailored to your Preferred involvement level
Simple & Automated
Just give us the OK, and we’ll handle the rest. Our team will set up automatic marketing campaigns tailored to your pipeline and company’s insights. This includes drip campaigns, post-close initiatives, regular newsletters, and more. Sit back and let our system work for you.
Flexibility with Ready-made Assets
Dive into our extensive library of pre-made marketing materials tailored for various platforms, be it social media, product flyers, or SEO content. If you have a specific vision or requirement, request custom material, and our dedicated team will craft it to meet your needs.
Granular Customization with ListGrid
Want a hands-on approach? Our proprietary tool, ListGrid, empowers you to generate a range of custom marketing assets. From crafting targeted social media posts, SEO-optimized content, and engaging video scripts to devising specialized content – and a whole lot more. Dive deep and curate marketing strategies that resonate with your unique voice.
Marketing & Client Acquisition
Marketing services available to every originator
SEO Scoring & Recommendations
Dive into the digital landscape with confidence. Our team conducts thorough SEO analyses, providing you with actionable insights and recommendations to enhance your online visibility, drive organic traffic, and position you as a leader in the lending space.
Business Profile Page Setup
A compelling business profile is your digital storefront. We assist in crafting and setting up your business profile across key platforms, ensuring consistency, professionalism, and an impactful first impression.
Social Media Setup and Guidance
Harness the power of social media. Whether you’re new to these platforms or looking to refine your presence, our team provides setup assistance and strategic guidance to maximize your reach and engagement.
Custom CRM Setup
Relationships are at the heart of your business. Our tailored CRM setups ensure you can manage, nurture, and grow your contacts efficiently, with tools and interfaces designed specifically for your unique needs.
Realty Partner Targeting
Collaborations amplify growth. Our team specializes in identifying and targeting realty partners that align with your business ethos and objectives, paving the way for mutually beneficial partnerships.
Marketing & Client Acquisition
ListGrid, by Amres
At Amres, we’re proud to unveil our proprietary marketing tool: ListGrid. More than just a tool, ListGrid revolutionizes the way Loan Officers will approach and leverage traditional and digital marketing. If you’re the type of loan officer who likes to take an active role in the marketing, knowledge, ListGrid utilizes a powerful generative AI model to enable you to quickly and easily create marketing material across a range of use cases. Literally with the touch of button you can generate everything from social media content to highly tailored SEO content.
Generate Social Media Content
Based on your profile, ListGrid crafts fresh, relevant, and engaging content tailored for your social media channels.
Craft Targeted Emails
Create bespoke email campaigns that directly address your audience’s needs and interests, ensuring high engagement.
Generate SEO Content
Position yourself as a thought leader with SEO-optimized articles, blogs, and web materials, ensuring a high rank on search engines.
Digital Business Cards
Innovative and eco-friendly, ListGrid’s digital business cards make a lasting impression.
Custom Flyers
Create eye-catching flyers, be it for events, services, or news. Ideal for both print and digital distribution.
Generate Scripts for Video Content
Dive into video marketing with confidence. ListGrid crafts compelling video scripts that captivate your audience, driving higher engagement and recall.
Section 5
A DIVERSE PRODUCT SUITE
Diverse solutions to cater to every borrower’s needs.
A Diverse Product Suite
Diverse Solutions for Every Borrower
At Amres, we recognize that every borrower is unique, and their financial aspirations and challenges deserve specialized solutions. Our product suite, one of the most comprehensive in the industry, spans all facets of agency lending, ensuring we have the right tool for every scenario. Moreover, our vast array of non-QM options ensures that even those with unconventional lending needs find their perfect fit. With our focus on a broad product range and a client-first approach, we’re dedicated to ensuring unparalleled service for every client you onboard.
A Diverse Product Suite
Agency & Government Lending
We do all agency lending in-house with no overlays. FNMA, FHLMC, FHA, VA, USDA and more. Here is a snapshot of some of our offerings. Every loan counts at Amres. If the product exists and you have a loan for it, we’ll help you make it work.
Fannie Mae & Freddie Mac
Bridge Loans
Agency Direct
Renovation Loans
FHA/VA/USDA
Ground Up Construction
No Min FICO
Renovation Loans
No Overlays
HUD184 Loans
Reverse Mortgages
A Diverse Product Suite
Non-QM Lending
We know that not everyone fits the mold for agency products. That’s why Amres has been building an ever-growing suite of Non-QM products that can fit the needs of almost anyone. We underwrite over 80% of our Non-QM business in house. Here are just some of the solutions we offer.
NOO, Investment Property Loans
Asset Depletion
DSCR, DSCR Mult-Unit
Full Doc 1 & 2 Yrs
Bank Statement
P&L Only
Bridge
Ground-up Construction
Fix & Flip
Foreign Nationals
2nd Mortgages
OO Home Loans
Full Doc 1 & 2 Yrs
Bank Statement
1099
P&L Only
WVOE
Asset Depletion
ITIN
2nd Mortgages
Bridge Loans
Unique Lending
Income Producing Properties
Condotels
Barnominiums
Large Acreage
Bridge Loans
Improper Zoning
& more!
Multiple Dwellings on Single Parcel
Unbeatable Pricing
The Amres Advantage
In the fiercely competitive landscape of lending, pricing can be the definitive factor that sways clients. At Amres, we recognize this fundamental truth, and our business model reflects a commitment to offering the most competitive rates in the market.
- Efficiency Equals Affordability: Our streamlined operations, devoid of unnecessary overheads, translate directly to lower prices. This not only allows you to draw in a larger clientele but ensures they remain loyal, reaping the benefits of your competitive pricing.
- Empowered Flexibility: With base prices, you gain the advantage of pricing flexibility. Craft a structure that aligns with your strategy, knowing you’re starting from an advantageous position.
- Price Match Guarantee: Every market has its challengers, and occasionally someone might come close to beating our rates. But we’re not just about matching the competition; we’re about surpassing them. If someone claims a better rate, corporate will match it or, more likely, beat it. That’s our guarantee.
- Transparent Pricing: Intrigued by our claims? Don’t just take our word for it. Request access to Polly, our pricing tool, and explore the competitive landscape for yourself.
There are some exclusions to this, such as credit unions and construction companies, which sometimes offer promotions that IMB's can't match. However, in an industry where many stake the claim of best pricing, Amres doesn’t just voice a promise; we live it. We vigilantly monitor and adjust our rates, ensuring we’re always a cut above the rest. When we say we offer the best, it’s not a mere statement - it’s an ethos we relentlessly pursue.
Section 6
YOUR GROWTH PATH
Charting a fulfilling and progressive career journey.
Your Growth Path
Choose Your Path
In the bustling realm of lending, Loan Officers stand as the vanguard, orchestrating successes and forging lasting relationships. At Amres, we’ll stop at nothing to specifically cater to the aspirations and challenges faced by Loan Officers. We mean it when we say our goal is your success.
Branch Expansion Opportunities: Dream of establishing and growing your own branch? With us, that dream can become a tangible reality. We provide the infrastructure, resources, and unwavering support to help you set up, expand, and flourish. Your ambition to lead is met with our commitment to facilitate.
Coaching and Continuous Learning: Even the best need guidance, and at Amres, we offer structured coaching sessions, helmed by industry experts. This, combined with our continuous learning resources, ensures that you’re always a step ahead, equipped with the latest knowledge and best practices.
The Amres Promise - Loan Officers First: At the very core of our ethos is a simple but profound belief: Loan Officers are the heart of our operations. Everything we conceptualize, every strategy we devise, revolves around empowering and uplifting you. There’s truly nothing we wouldn’t venture to ensure your growth, success, and fulfillment.
By choosing Amres, you’re not merely opting for a job; you’re embarking on a journey where your success, both personal and professional, is the beacon guiding our every move.
Tailored Platforms
Tailored Platforms for Every Loan Officer’s AmbitionEvery Loan Officer’s vision is distinct, and at Amres, we believe in providing a foundation that resonates with those unique aspirations. While we present a suite of foundational platforms for you to leverage, we understand that a one-size-fits-all approach may not always align with your goals.
From the options we showcase to entirely bespoke solutions, our primary mission is to mould our offerings to your vision. Our track record speaks volumes - with hundreds of branches nationwide thriving under our tailored support, we’ve mastered the art of customization.
If what we offer intrigues you or if you’re envisioning a unique blend tailored just for you, we’re eager to delve deep into discussions. At Amres, it’s not about fitting you into our world; it’s about reshaping our world to fit you. Let’s co-create the perfect platform for your growth and success.
From the options we showcase to entirely bespoke solutions, our primary mission is to mould our offerings to your vision. Our track record speaks volumes - with hundreds of branches nationwide thriving under our tailored support, we’ve mastered the art of customization.
If what we offer intrigues you or if you’re envisioning a unique blend tailored just for you, we’re eager to delve deep into discussions. At Amres, it’s not about fitting you into our world; it’s about reshaping our world to fit you. Let’s co-create the perfect platform for your growth and success.
Self Starter Plan
- Fixed Compensation.
- No P&L
- No Booked Expenses
- Clean, clear, and simple.
The Producer Platform
- Built for the producer bringing their own book of business.
- Fluent and Flexible P&L to allow for maximizing compensation potential.
We Also Offer
Lowest Rate Guarantees:
Bring us a competitor rate and we’ll match or beat it.
Volume Based Incentives:
Earn more. Make more.
Early Draws:
Make the move easier by earning on your pipeline sooner.
Overrides:
Bring on your own set of originators and earn overrides.
Bring us a competitor rate and we’ll match or beat it.
Volume Based Incentives:
Earn more. Make more.
Early Draws:
Make the move easier by earning on your pipeline sooner.
Overrides:
Bring on your own set of originators and earn overrides.
SUMMARY
We're not just an option, we're the benchmark.
Navigating through myriad options in the lending landscape can be challenging, but at Amres, we simplify the equation. When you aim for the pinnacle of industry excellence, your search converges to one destination – us.
Power your enterprise with unparalleled technology and innovative marketing solutions, setting the gold standard in the sector. Boost your profitability with margins that reflect our efficiency, all while being underpinned by a seasoned operations team with a track record of unwavering excellence. Provide an unmatched, seamless experience to your clients, earning not just their business but their lifelong trust.
Our confidence emanates from the consistent quality and dedication we bring to the table. Curious? Intrigued? Or simply need more insights? Let’s talk.
Lets Connect!
(888) 691-9080
careers@amres.com