Conduits/Originators

If you are looking to build a powerful portfolio of mortgage servicing rights, use GMACM Mortgage as your subservicer and enjoy instant servicing credibility, the power of a top 10 servicer, and experience in secondary market deliveries.

Select the Brand
You can select private label subservicing and maintain your brand awareness or you can use the GMAC Mortgage brand. It is up to you – we can service in your name or ours. The brand you choose will be reflected in agent/customer interaction, the voice response unit, correspondence, account statements, the website, and more.

Offer Flexibility to Customers
We support the servicing of multiple products across the spectrum of credit quality. Products we service include first mortgages, closed-end second mortgages, home equity lines of credit, and unsecured consumer credit.

Utilize GMACM for Interim or Retained Subservicing
If your need is interim or retained subservicing — we can provide it.

When you select retained servicing, benefits include:

• Capability to private label loans
• Opportunities for future business by maintaining customer relationships
• Ability to change with the market by offering new products
• Flexibility with selecting service levels for Customer Care and Default
• Customization of some servicing practices
• Trade of fixed costs for variable costs
• Establishment of a profitable revenue stream from owning the servicing rights
• Mitigation of risk

When we provide interim subservicing, you can:

• Introduce new products quickly
• Broaden your investor base efficiently
• Allow for flow, mandatory, bulk and securitization execution of sale
• Reduce expenses
• Offer better pricing with "sale and switch" (used with investors for whom GMACM subservices)
• Reduce operational risk assuring RESPA compliance
• Reduce first payment default issues
• Promote a smooth transfer for your customers