Argent Mortgage under guidance from its parent company, Ameriquest, follows in a proud tradition of making home loans available on a wide scale, allowing individuals to attain financial independence while realizing their dreams to own a home of their own.

In conversations with the Consumer Mortgage Education Consortium (CMEC), an organization which encompasses the Leadership Conference on Civil Rights, the National Fair Housing Alliance, the National Community Reinvestment Coalition (NCRC,) as well as, numerous additional community groups, Ameriquest sought to develop programs which addressed the issues of making credit available to all demographics while attempting to stamp out predatory lending activities.

After lengthy discussions, the term “Best Practices” was agreed upon as the moniker for the following series of agreed upon goals:

Long-term Service

In addition to originating loans, Argent | Ameriquest made a pact to continue building upon their relationships with clients passed the point of the loan’s initiation period. Thus, should questions | concerns arise mid-way through the loan period, clients then have an informed professional to whom they can direct their inquiries.

Argent | Ameriquest, always on top of new developments and products, offers clients the benefit of not only immediacy in responding to their needs, but also the advantage of having access to the latest in mortgage industry technology.

Foreclosure Reviews

Our mission is to keep homeowners in their homes regardless of what is needed to achieve this. Professionals, specifically trained in the area of home retention carefully review all loans prior to the foreclosure takes effect. Such home retention specialists consider all workout strategies available in the aims of ensuring homeowners are able to stay in their own residence.

Timely Crediting of Payment Submissions

On the very same day as they are received, customer service representatives process payments submitted to expedite the crediting of their accounts. This conscientious practice helps eliminate late fees and mistakes made by third party personnel.
Escrow Account Options

Representatives provide clients with vitally important information pertaining to the advantages of using escrow accounts to amortize annual payments made to cover taxes and insurance. During the origination phase, mortgage associates relay the range of escrow services available and their respective benefits.

Provide Pertinent and Beneficial Services

Argent | Ameriquest offers both a person-to-person, as well as, an automated system so that clients can retrieve information pertaining to their loans, anytime of day or night. Therefore, 24 hours a day, seven days a week, clients, both English and Spanish speaking, can easily and conveniently obtain needed data either via the Internet or the simple-to-employ interactive phone system.

Equitable Collection Efforts

Should clients become delinquent with their regular payments, Argent | Ameriquest provides information regarding available credit-counseling services along with a letter suggesting that the client seek out this form of support. Plus, they make every attempt to structure reasonable and attainable workout and recompense programs.
Relaying Payment Patterns to Credit Reporting Agencies

Each month, Argent | Ameriquest provides the major credit bureaus with reports outlining clients’ patterns of payment. Those clients who make timely payments reap the rewards of these communications as they aide in increasing their overall credit standings.
Gratis Consumer Counseling

Argent | Ameriquest agreed to cover the costs of consumer credit counseling services provided by a non-profit agency for clients who were repeatedly late on their payments. Those who participate in this complementary, optional program, are afforded the opportunity to learn invaluable methods by which they may more effectively manage their finances.

Emphasis on Customer Service

Client Care specialists knowledgeable of the company’s products, services and philosophies, are always available to respond to clients’ inquiries. In line with the motto, “One Call Does it All,” the goal of the specialist is to resolve clients’ apprehension during the initial phone call.

Gratis Services

Argent | Ameriquest is not a believer in bilking the client. Therefore, they do not tack on additional fees for such administrative | processing services as:
• Requests to obtain duplicate copies of loan paperwork
• Requests for documentation of one’s payment history
• Requests for mortgage documentation
• The enactment of cessation of an escrow account
• Enrollment in an automatic payment program
• Remitting payment via the Internet even when the amount is overdue
• Transmitting documents via a facsimile machine