Mortgage Pools

When you are investing in professional services, you have a right to expect real value in return. That's what separates Armanino from other accounting and consulting firms that dabble in the mortgage pool industry. We provide much more than a commodity product; we deliver value-added services from a complete suite of back-office accounting services to unrelated business tax issues and entity structuring that helps you manage a more compliant, efficient and successful mortgage pool.

Our Team

Joshua Nevarez is the partner lead of the firm’s Mortgage Pool Practice. Josh has been working the mortgage lending and commercial finance industries for over a decade. Josh is a member of the California Mortgage Association (CMA) and participates in various CMA user-group panel discussions. He has presented at various CMA conferences on topics including loan loss reserves, REO and financial reporting. Josh and his team offer our clients a variety of expertise and experience in the mortgage pool industry.


With decades of experience in the industry, the Armanino team organizes an efficient and cost-effective audit or review, ensuring financial statements are accurate and that they provide meaningful results. Our staff is trained with specific industry knowledge for a complete awareness of industry issues, including loan loss reserve analysis, loan refinancing vs. restructuring, accounting for real estate owned, held for sale and held for use, sales of real estate and the myriad of fair value issues facing mortgage pool managers today. Having financials audited or reviewed by a quality firm is helpful in maintaining confidence of investors.


Our tax department understands the importance of the timeliness and presentation of income and expenses on a mortgage pool's K-1s while providing optimal benefit and satisfaction to our clients' investors. We have the resources and expertise to meet your needs, no matter how complicated or demanding. We strive to produce returns and investor K-1s in a timely manner. We understand the importance of delivering K-1s to investors and meeting filing deadlines. We also understand the importance of the presentation of reporting income and expenses on your K-1s to provide investors with optimal tax benefits.


Mortgage pool clients have come to rely on us for a complete and customized solution for back-office accounting including company set up, day-to-day accounting and consulting advice, on-going monthly support and close procedures, distribution assistance and periodic reviews. Armanino has certified QuickBooks advisors on staff as wells as experts in Applied Business Software to assist from an IT and accounting perspective. In addition, the consulting team is prepared to assist our mortgage pool clients with a range of Financial Management, Compliance, IT Solutions and other project needs such as financial reporting, loan loss reserve and REO consulting, software due diligence and network maintenance.


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Armanino’s upcoming events:

Service Providers

As the leading provider of services to the Mortgage Pool industry, we have formed alliances with key service providers within the industry to better serve our clients.

National organization representing the private real estate lending industry:

The American Association of Private Lenders (AAPL)

Exclusive CPA business partner to the leading Mortgage Pool software provider:
Applied Business Software

Preferred CPA firm for national loan and partnership services as provided by:
FCI Lender Services, Inc.

Exclusive CPA business partner for loan and partnership services as provided by:
PLM Lender Services, Inc.

Learn More

Take a moment to examine our process and solution for each unique situation – case by case.

Adams Financial

Download Our Mortgage Pool Brochure .