AmeriCasa Mortgage Focuses on Hispanic Market by Outsourcing Closing and Post-Closing to Guardian Mortgage Services.

ORLANDO, Fla. -- Start-up lender achieves 100 percent volume growth every month without the burden of managing and growing back-office operations

AmeriCasa Mortgage has selected Guardian Mortgage Services (GMS) to completely manage its closing and post-closing operations. A start up lender that originated its first loan in December 2004, AmeriCasa targets Hispanic borrowers throughout the western United States. Guardian Mortgage Documents (GMD) announced the news at MBA's 2005 National Technology in Mortgage Banking Conference & Expo in Orlando.

GMS, a division of GMD, provides customized closing solutions to lenders of all sizes and serves as a variable cost alternative to managing back-office operations internally. Lenders using GMS immediately increase total closing capacity, streamline operations, eliminate risks associated with human error and better manage fluctuations in the mortgage market. If desired, lenders can also choose to outsource title and escrow to GMS.

AmeriCasa's founder, industry veteran Jim McGuire, previously owned Kansas City-based McGuire Mortgage Company, one of the largest home equity lenders in the country, which he sold to First Tennessee Bank (First Horizon Home Loans) in 1999. McGuire's experience starting and growing a small mortgage lender provided unique perspective when selecting to outsource closing and post-closing to GMS.

"In order to meet our goal of becoming the lender of choice for Hispanic borrowers in the western United States, our focus needs to remain on helping these borrowers through the origination process," said McGuire. "My experience in the mortgage industry allows me to evaluate opportunities and make decisions with a true understanding as to how those operational choices will impact our business. As a startup company, outsourcing closing and post-closing to Guardian Mortgage Services allows us to remain a service-driven lender and to continue helping this underserved market take advantage of homeownership. Working with GMS ensures that our standards of service and operation are met, and our team has the competitive advantage of working with some of the most experienced closers in our business."

Since funding its first loan in December 2004, AmeriCasa has doubled its origination volume every month. Because the lender uses GMS, it focuses on adding loan officers as needed instead of adding back office-technology and staff in order to handle the increase. In addition to reducing fixed costs, GMS eliminates the need to identify and hire experienced closers.

GMS' flexible technology and processes enable lenders take advantage of an outsourced solution customized to their specific needs and business practices. GMS uses its proprietary web-based Transaction Management System(TM) (TMS) technology to automate document production, management functions and workflow into one centralized, paperless model. TMS enables AmeriCasa supervisors to monitor online the progress of a loan through the closing process, providing the feel of an internal back-office operation.

"Guardian Mortgage Services enables start-up lenders to focus on their profit-center - originations - rather then back-office processes," said Tim Anschutz, vice president of Marketing for GMD. "Because AmeriCasa is dedicated to helping the Hispanic market achieve the American dream of homeownership, outsourcing closing and post-closing to our experienced GMS team helps maintain that focus by eliminating headaches associated with closing and post-closing."

About AmeriCasa Mortgage

AmeriCasa Mortgage is a direct-consumer lender specializing in assisting the Hispanic Community in obtaining Homeownership or re-financing existing mortgage loans, especially for consumers with less than perfect credit that are having trouble qualifying for traditional bank loans. With an all bi-lingual, professional staff, AmeriCasa has been very effective in the Phoenix-area market. Leads are generated using an extensive Spanish-language television and radio marketing campaign. AmeriCasa's founder and president, Jim McGuire, returns to residential mortgage lending after a brief retirement. He previously owned McGuire Mortgage Company based in Kansas City, which was one of the largest home equity lenders in the country, and was sold to First Tennessee Bank (First Horizon Home Loans) in 1999.

For more information, visit www.AmeriCasa.com.

About Guardian Mortgage Documents

Lakewood, Colorado-based Guardian Mortgage Documents (GMD) is a provider of document preparation, automated management workflow and fully customized outsource solutions to the national financial services industry. GMD received the 2004 Mortgage Technology 10X Award for providing exponential return on investment to its clients and advancing industry efficiencies, and is one of Mortgage Technology's Top 100 Vendors.

Since 1987, GMD's products and services have been built on best-of-class technology designed to provide an inventory of scalable and flexible multi-product capabilities, which can be customized to deliver elegant client solutions. From simple document preparation to fully integrated and customized workflow solutions, GMD technology streamlines all processes to increase efficiencies.

GMD clients include three of the top five largest residential correspondent lending institutions in the United States. For general information, visit www.gmd.com or call [phone].