Now Open: AEF Launches In-House Account Servicing Department

Noticed something new on our website?

Maybe you’ve seen the chatter on LinkedIn.
Or spotted new buttons popping up across the site.

That’s right, we’ve expanded.

We’re proud to officially launch our in-house account servicing department, led by the experienced and client-focused Sarah Schorey.

This isn’t just a new service, it’s how we’re doubling down on what makes us different.

We’ll explain how our loan servicing process works, who it helps, and why servicing loans through a neutral third party protects everyone. Plus, Sarah answers your most common questions.

Let’s get started.

What Is Account Servicing (and Why Does It Matter)?

Account servicing is the ongoing management of loans and financial agreements between parties, handled by a neutral third party after the deal closes.

Core services include:

• Payment collection and distribution
• Interest and principal tracking
• Impound account management (taxes, insurance)
• Statement generation and compliance monitoring

Why it matters: Even simple agreements get complicated. Missed payments, tracking errors, and disputes over terms can damage relationships and create legal headaches. A dedicated loan servicing partner prevents these problems by managing every detail from first payment to final release.

The result? Lenders get reliable payments, borrowers get clear tracking, and everyone stays protected throughout the life of the agreement.

Why We Brought Servicing In-House and Who It’s For

Bringing account servicing in-house means faster response times, tighter coordination with escrow, and more personalized service from day one. It allows us to maintain full control over the process and deliver the kind of hands-on support our clients expect.

Our servicing department is built for:

• Private lenders who want reliable, neutral oversight
• Borrowers who need clear, consistent payment tracking
• Attorneys, brokers, and business owners managing custom agreements

If your transaction includes ongoing payments, creative terms, or simply deserves a smoother experience, then account servicing is for you.

Insights From Sarah Schorey, AEF’s Account Servicing Manager

We asked Sarah Schorey, who leads our newly launched account servicing department, to walk us through what clients should know. These are the questions she gets asked on the regular.

Q1: Why use an escrow company instead of a bank for servicing?

Sarah: Unlike a bank, we track interest, late fees, and other payment terms, not just the movement of funds. A bank simply moves the money. We work with you to make sure payments are current and handled according to the loan schedule.

Q2: Why might a business or private party use a third-party account servicer like AEF?

Sarah: We’re able to work with both parties in an unbiased manner, and we also handle all the tracking and servicing responsibilities, as I mentioned earlier.

Q3: What types of accounts or agreements can be serviced by AEF?

Sarah: Promissory Notes and Deeds of Trust, and Agreements for Sale.

Q4: Who typically benefits from third-party account servicing?

Sarah: All parties involved in the transaction: both lenders and borrowers.

Q5: Is loan servicing the same as account servicing? Can you explain the difference?

Sarah: Yes. The terms “loan servicing” and “account servicing” generally mean the same thing. The job of a servicer is to manage the payments due under an agreement between two or more parties.

Q6: Can you walk us through what the account servicing process looks like from start to finish?

Sarah: Once an agreement and contact information have been created — typically through escrow, though we can also take privately created deals — the documents are provided to our company. We then begin servicing, which can include monthly payments, impounding for property taxes or insurance, and tracking interest, principal, late fees, and default interest.

This continues until the agreement reaches its “all due and payable” date. At that point, we handle the final payment, collect from the borrower, and send it to the lender. We also handle the release of any liens associated with the agreement. It’s a smooth, hands-off wrap-up for both parties.

Q7: At what point in the transaction should someone contact AEF to initiate account servicing?

Sarah: Typically, when the deal goes through escrow, the parties notify their escrow officer that they’d like to use a loan or account servicer. The escrow officer will then coordinate with our office and get us the necessary paperwork once the escrow is complete.

Q8: What are some signs that a deal could benefit from formal servicing?

Sarah: Any deal, big or small, is a good candidate. We act as a neutral party and make sure all payments are tracked and documented accurately, based on the terms of the note or agreement.

Q9: Can you support accounts with non-traditional terms, like balloon payments or delayed starts?

Sarah: Yes. We can typically handle what would be considered “creative” terms. I always recommend that the parties contact our office before closing, so we can review the agreement and confirm we can meet the needs of the file.

Q10: What sets your loan servicing approach apart?

Sarah: I focus on making things easy for clients. Not everyone is comfortable with technology, so I’m happy to send documents by mail or group tasks together to keep things simple.

Being responsive is important to me, too. I try to answer questions quickly and stay hands-on throughout the life of an agreement. Building that personal connection really makes a difference.

Ready to Get Started With Account Servicing?

Whether you’re a private lender, borrower, attorney, or broker, our loan servicing team makes the process easier.

Our servicing portal provides 24/7 access to account information, payment history, and documents. For questions, our team is available to help, or check our FAQ page for quick answers.

Have an agreement in progress? Contact us. We coordinate before closing to ensure smooth setup.

Visit the portal • Check the FAQs • Connect with Sarah’s team