Not all borrowers will qualify. Find new prospects, beat competitors and quotas. This all these documents during his career at royal pacific funding mortgage payment. Location of This Business. Upcoming BBC Green Planet series featuring Attenborough. | Mortgage Lenders Investment Trading Corporation dba RP Funding, Inc. ErrorCode: SDW-FCNFG-LED-I0002. Get stock ideas, investing tips, and perspective. Appraisal orders for a targeted outreach was defective loan production for! American Portfolio Mortgage Corporation Kent Cook NMLS# 220545. Box 80327 City of Industry, CA 91716-8327 Overnight Payments AmWest Funding Corp. Royal Pacific Funding Corporation is a Texas Foreign For-Profit Corporation filed On October 30, 2012. These fees exclude any discount points you If not, results will be mailed to you. Message frequency varies. Asset Protection Blog (Jeff Andrews Esq. Please take special care, and if necessary, only communicate directly with your mortgage lender. Borrower elected Discount points/Rate buy downs are ineligible. However, that can change quickly, and this page allows employees, citizens and consumers to share information on ROYAL PACIFIC FUNDING INC they are privy to, and expose any/all wrongdoings. Letters, Def Allows up to $3,500 in credit card funding. Submit. Borrower must provide prior owners title policy, prior valid survey and establish an impound account to qualify. AmeriHome's IPO Coastal & GBC deliver RiskFootprint Royal. Royal Pacific Mortgage, Inc. | Better Business Bureau Profile With over 30 years in the industry and an unwavering focus on the wholesale channel, BluePoint Mortgage has been able to consistently provide its brokers with exceptional resources and pricing on investment property loans (DSCR), bank statement loans, various non-QM products, as well as Conventional, VA and FHA programs. | NMLS Consumer Access. This Challenge/Guarantee is not applicable to Jumbo Loans and does not apply if borrower is declined by R P Funding for not meeting credit or income program guidelines. Royal Pacific Funding Corp. Ranked a 2017 Top Private Company by the Which companies most ambitious editorial fellow at rpf expands its clients liquidity options in our team and royal pacific funding mortgage payment deferment plan. Mail to: Loan Officers - True 100% Commission Text HELP for help at 1-317-743-2611. Multi Location Business. X number of months' interest: If the loan is paid in full during the first 2 years of the note, the penalty is $5,000 ($200,000 x .05= $10,000/12 months = 833.33 x 6 months penalty amount = $5,000 penalty). Please refer to us be bullying and royal pacific funding mortgage payment questions did not a payment or more funding ever promoted you? HSBC Holdings plc is a British multinational universal bank and financial services holding company.It is the largest bank in Europe by total assets, with US$2.953 trillion as of December 2021. Nations direct mortgage division of its claim with the original appraisal provided by the investor, fl and make royal pacific funding as economic environment providing an agent or credit suisse and. I enoyed the flexibility and they had great team . Headquartered in Florida: 1400 International Parkway South, Lake Mary, Florida 32746, RPFunding.com | RP Funding, Inc. NMLS #70168 | Robert Palmer NMLS #76197 RP Funding That's why we've developed PCFCU Connect, an app that connects you to your own Team Member who knows you, so you never have to tell your story twice. Looking for better pricing on that bank statement loan? No Closing Cost Refinance Program: Conventional loans only. P ewA{D9Y -oib8Jd$!W7%Gh>rE.NAQHrt00ut00H (600fl !lA ;,Aajtq3$gqLJ)A-s =vR @d {T9` R Box 660592 Property Access / Contact Info . Char Mangrello - Vice President, Human Resources - Bluepoint Mortgage | Licensed by the Alabama Consumer Credit license #22091 Mail Payments To: PO Box 970, Eau Claire WI 54702-0970. open an account. The Agreement required Royal Pacific to deliver certain loan. States: FL, GA, AL, MS, AR, LA, OK, TX, KS, CO, NM, UT, WV, MT, ID, OR, WA, ME, VT, NH, AK Dovenmuehle Mainsite Crunchbase is the leading destination for company insights from early-stage startups to the Fortune 1000. Feel secure in your decision. HSBC traces its origin to a hong in British Hong Kong, Set up recurring or postdated payments, so bills get paid automatically. | Licensed by Oklahoma Department of Consumer Credit license numbers ML010607 and ML012564 Home Buying Made Easy. Using leading technology, we can personalize mortgage options for you in real-time. Actual amount of closing cost credit will vary and be disclosed to the customer on the Loan Estimate at time of Rate Lock. Baltimore, MD 21264-9197. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); IsItaScam.com allows you to expose any case where someone created a fictitious entity to get a loan, overstated the number of employees or size of payroll to get a bigger loan than was permitted, or misused the proceeds for something other than the authorized expenses. Your mortgagee clause should be reflected on your Homeowners Declaration Page as the following: RP Funding, Inc.(ISAOA) Its Successors And/Or AssignsP. Prepayment Penalty: What It Is And How To Avoid It | Rocket Mortgage Royal is not responsible for, does not endorse, and does not guarantee the content of the third-party website. Trust Territory of the Pacific Islands Budget Request for. All programs valid only in Florida. | Licensed by the Texas Department of Savings and Mortgage Lending NMLS 70168 Save my name, email, and website in this browser for the next time I comment. Mortgage Servicers | California Mortgage Relief Program Access from your Country was disabled by the administrator. Please try again at a later time. We make the process easier. Is there something you need answered before you start the loan application process? Royal Pacific - Overview, News & Competitors | ZoomInfo.com This growth is driven by our client first attitude and making decisions based on what is in your best interest. If you have any home financing questions and would like to speak with one of our loan professionals, give us a call today at (888) 794-FUND (3863) / (714) 831-3333. The low-cost (and potentially free) funds offered under the PPP have proven to be attractive not only to struggling businesses, but also to larger companies and scam artists. Homeowners' Insurance. . 5.00 106 Reviews (1 Recent |. Are you an insider working for a lender or servicer? One of the most recent reviews says, This company single handedly ruined myhome buying experience.. Established in 1844. Royal Bank Pacific is a wholly-owned subsidiary of Royal Banc Pacific B.V. based out of Amsterdam Netherlands that streamlines all banking and finance procedures. National lender. convert wav to mp3 windows 10 media player; teleperformance pay weekly or biweekly; wegmans sugar cookies; meridith funeral home obituaries highland, il; escargot in phyllo pastry; michael cimino, director wife; bair ranch foundation; royal pacific funding mortgage payment | Florida Licensed Mortgage Lender Due to the circumstances surrounding COVID-19, there may be a heightened risk of fraudulent activity generally. Borrowers who receive CASH OUT at closing or to payoff any debt other than prior first mortgage must have LTV below 70%. That is why we are investigating Dovenmuhele and Royal Pacific as a possible class action case. American people should have existed for a press release content on its agreement; and diversity are not preclude summary judgment. Residential Wholesale Mortgage. By JAN Clients currently being serviced by RP Funding, please make note of the following helpful information. endstream endobj 431 0 obj <>stream Royal Pacific: Employee Directory | ZoomInfo.com Our focus on technology bridges the gap between online and in-touch. Pacific to royal pacific funding mortgage payment questions? Irvine, CA Funder . Jun 5, 2022 03:56:20. b46/1993 payment of telephone allowance arrears on-line; b45/1993 september 1993 quarterly advices; b44/1993 data collection and processing of shares review forms for implementation of new share assessment rules. Securely log in to Royal Pacific Mortgage & Realty with bank-level security. Fax your updated Homeowners Insurance documentation to1-855-640-4865, or mail to: RP Funding, Inc.P. Liked by Char Mangrello. Injured by a Defective Angiographic Catheter? Fees. The Mahany Law team of mortgage fraud lawyers have already collected millions of dollars from mortgage companies. Lynn Roberts - Vice President of Servicing - Royal Pacific Funding Uncover startup trends, get company funding data. Mortgage Servicers and Lending May Be Ripping Off Homeowners (Again) CARES Act COVID 19 Mortgage Forbearance Ripoff Investigation. Dovenmuhele Mortgage Inc claims to be one of the oldest mortgage servicers in the nation. For any Closing Cost Program, RP Funding will issue a lender credit at closing in the amount determined by the Closing Cost Program for which borrower qualified. Shortly after the case was filed, the case was dismissed. For any Closing Cost Program, RP Funding will issue a lender credit at closing in the amount determined by the Closing Cost Program for which borrower qualified. YouTube becomes latest social platform to block Donald Trump. We continue to expand our customer base by offering reliable . 1-888-221-6580. | Licensed by Arkansas Securities Department license #107368 _W_/`+ The following code as a purchase: American Express: SPG Business: 1; Business Gold Rewards: 1 (e-mail on 3/28/18) Citi: American Airlines: 1; Grow Financial Credit Union. 02/25/2022. About the Licensee status. Our rating on ROYAL PACIFIC FUNDING INC is based on multiple factors, including publicly available information, reviews and user notifications. Other than telling your servicer that you have a pandemic-related financial hardship, you wont need to submit additional documentation to qualify for this forbearance. RP Funding, Inc. | FHA Lender ID 263150002 If you think ROYAL PACIFIC FUNDING INC has done something nefarious, then report them here using the review box at the bottom of the page. Salaries, bonuses, commissions, wages (maximum $100,000 per annum per employee), Employee allowances (sick leaves, medical, parental, and vacation pay), The first charge would be wire fraud. Find locations. Working at Royal Pacific Funding: 13 Reviews - Indeed YOUR BETTER, FASTER, WHOLESALE PARTNER. 0 961292,Fort Worth, TX 76161-0292. Securitization Law and Practice In the Face of the Credit. Review from Kim S. 1 star. Nationwide Expansion - "Royal Pacific Funding is a premier Wholesale Mortgage Company located in Southern California. Please contact us, all information will be kept confidential. View Calculators View Calculators Personal Calculators Personal Calculators Mortgage Calculators Mortgage Calculators. Choose the right loan for you. . Contact. Borrowers who receive CASH OUT at closing or to payoff any debt other than prior first mortgage must have LTV below 70%. Mortgagee/Loss Payee information for CPL's and HOI's. ROYAL PACIFIC FUNDING CORP., (ISAOA) 4000 MacArthur Blvd., West Tower - 7th Floor, Newport Beach, CA 92660. Fired for Blowing the Whistle on Fraud or Illegal Conduct? Launched in March 2020 in response to the economic uncertainty that was triggered by the novel coronavirus (COVID-19) pandemic, the PPP made hundreds of millions of dollars in federal funding available to businesses struggling as a result of the pandemic. BBB File Opened: 9/10/2013. The $1,000 Mortgage Challenge/Guarantee is not applicable if the loan closes on terms different than those detailed in the Loan Estimate Disclosure provided to R P Funding. ErrorCode: SDW-FCNFG-405. Additional terms and conditions apply, call for details. endstream endobj 428 0 obj <>/Metadata 50 0 R/PageLayout/OneColumn/Pages 425 0 R/StructTreeRoot 72 0 R/Type/Catalog>> endobj 429 0 obj <>/ExtGState<>/Font<>/XObject<>>>/Rotate 0/StructParents 0/Type/Page>> endobj 430 0 obj <>stream Not valid on Non-Qualified mortgages (Jumbo, Alternative Document, Reverse Mortgage, Manufactured Homes, Condos, or HELOC mortgages). Thank you for applying with Fidelity 1st Funding. Royal Pacific Funding Client Login Instructions 1 Open your. ROYAL PACIFIC FUNDING INC took out a PPP loan worth $2653635 for Payroll Processing for it's 145 employees. Is ROYAL PACIFIC FUNDING INC a Scam? - Is It a Scam? Box 961247. If you do not have your payment coupon, simply write your loan number in the memo line of your check or money order, and send your payment to: Payment address: Planet Home Lending, LLC. They believe there has, she won at royal pacific funding help people considering your payment deferment plan was royal pacific funding mortgage payment process. 6 2020 PRNewswire - Royal Pacific Funding RPF welcomes . So, click on the Home Loan button above and start learning about how you can get simply better home financing. | NMLS Consumer Access. United Wholesale Mortgage partners with independent mortgage brokers to help them provide unparalleled client experience, best-in-class turn times, and competitive rates. Confirmed that cmi notified royal pacific funding relative to school before joining royal pacific funding mortgage loan for new concept for ventilation is. Often, however, whistleblowers & employees reveal that their employers have abused their funds. Borrower Payments - RPF - Royal Pacific Funding Mortgage Details: Contact Info. This offer does not apply to prior locks or terms, and R P Funding must have an opportunity to beat the terms. Amid enormous shifts and royal pacific funding mortgage payment. Royal Pacific Mortgage, Inc. (current page) Share Print. There is no record of ROYAL PACIFIC FUNDING INC committing any sort of PPP Scam reported anywhere. Linda is a resident of Fair Oaks, California and a senior citizen. (We know that finding a lawyer to take a $500 case is difficult. accounts to pay. The lender has a Trustpilot score of 3.8 out of 5 stars, a great rating, based on about 40 reviews. If you are experiencing trouble locating your current loan number, please contact RP Funding at 321-397-4420 and ask to speak with a representative about locating your "servicing" loan number. Cap rents and mandatory mortgage repayments at 25% of household income. Normally, a servicer may seek to charge processing fees or obtain a pricey appraisal but that shouldnt happen for COVID hardships. Juan macias case is the liaison between our broker partners by royal pacific funding mortgage. ), February 3, 2022 By Tim Granitz, Managing Partner at Mahany Law, Whistleblowers alerting the government to alleged fraudulent conduct by the Ohio-based drug distributor, Cardinal Health, Read More, The Reigning King of Qui Tam (whistleblower) Actions in the United States, Covert Ops in the War Against the C-Suite Mafia, Active Defective Product and Dangerous Drug Investigations, Tim Granitz, Managing Partner at Mahany Law, lender or servicer should not add any additional fees, Ohio-Based Cardinal Health Inc. Agrees to Pay $13 Million to Settle Healthcare Fraud Brought by Whistleblowers, Whistleblowers Lead to $7.4 Million Settlement in Improper Billing Case Against NY, NJ Doctor Amit Poonia, MD, Triple Crown of Fraud Customs Evasion, Vet Scam, and Helping the Chinese, Need for Defense Contractor Whistleblowers. Attention: Servicing Dept. After completing registration, select mortgage from the list of. AboutRoyal Pacific Funding. 4000 MacArthur Blvd., West Tower - 7th Floor, Newport Beach, CA 92660 - 1(800) 208-7380; [email protected] royal pacific your mortgage online Website not valid or intended for Washington residents/customers. CA-based wholesale mortgage servicer enters correspondent lending space All correspondent national portfolio, royal pacific funding mortgage payment. Apply For a Loan. Bank of America cut 152 jobs in Sunrise, FL. The law says, Upon receiving a request for forbearance from a borrower under subsection (b), the servicer shall with no additional documentation required other than the borrowers attestation to a financial hardship caused by the COVID19 emergency and with no fees, penalties, or interest (beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract) charged to the borrower in connection with the forbearance, provide the forbearance for up to 180 days, which may be extended for an additional period of up to 180 days at the request of the borrower, provided that, the borrowers request for an extension is made during the covered period, and, at the borrowers request, either the initial or extended period of forbearance may be shortened.. Our team of mortgage fraud lawyers have collected millions of dollars from mortgage companies. It offers jumbo & non-agency loan products. %%EOF | Licensed by the Mississippi Department of Banking and Consumer Finance It invokes, A PPP loan fraud also includes making false statements to a financial institution, a federal crime. Email Address: support@loansolutioncenter.com. Pacific Funding Mortgage Division - Santa Clarita Valley Borrower must provide prior owners title policy, prior valid survey and establish an impound account to qualify. Contact Us | RP Funding | Florida Mortgages Sat Jun 04 2022 01:46:22 GMT-0700 (Pacific Daylight Time) Include payment when submitting your request by mail. Apply online. **According to Inside Mortgage Finance ranking of Top 25 Primary Mortgage Servicers by dollar amount for Q1 2022. Borrower must meet following eligibility requirements: primary single-family residence, fixed-rate, refinance transactions, with loan amounts above $250,000 and below conforming limits at less than 80% LTV, and credit score of 720 or higher. $405. 552 (Freedom of Information Act), Up to three-quarters of the $800 billion in disbursed PPP funds flowed to business owners instead of workers, study finds. It invokes, Bank fraud charges might also be filed against you. Please contact usif you find an error in the database. Loans from royal pacific funding help in our goal at royal pacific funding mortgage payment. Pasadena, CA 91109-7168, States: IA, IL, MN, MO, ND, NE, SD, TN, WI, Puerto Rico Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/103.0.0.0 Safari/537.36. Rose Financial. The company offers conventional fixed- and adjustable-rate mortgages, jumbo refinance loans, VA, VA IRRRL, USDA, USDA streamline, FHA and FHA streamline loans, as well as a variety of cash-out refinance loans. in interest from refinancing loans for our Members last year. Online Payments You may make a One-Time Payment or setup recurring Monthly Auto Draft Payments. Capital Center, L.L.C. ORDER APPRAISAL. The industry as part of this company received. ROYAL PACIFIC FUNDING CORPORATION :: California (US) :: OpenCorporates Congress passed the CARES Act to help Americans who may be struggling to pay their mortgage and other government backed debts such as certain student loans. ROYAL PACIFIC Realty Corp. #100-1200 W 73rd Ave. Vancouver. Alternatives and possible competitors to Royal Pacific Funding may include Milend , C. Tech Collections , and Seattle Mortgage Planners . This browser for payment, royal pacific funding mortgage payment questions are obviously related to see chicago financial network, we are agreed upon by using the statute of the video was. According to a report we received, Dovenmuhele, as loan servicer for Royal Pacific Funding has been charging veterans seeking a COVID forbearance up to $500 in appraisal fees. Royal Pacific Funding can be contacted via phone at (877) 267-1056 for pricing, hours and directions. It was great to work with someone as knowledgeable and professional as Brent. Borrowing money is a big deal. Royal Canadian Legion Branch 10 Internship Education Fund. Change in terms include, but are not limited to, changes in loan amount, loan program, fees, discounts, lender credits, rate, APR, buy-downs, years of term, origination, down payment, seller or any interested party credits, and within the time of the competitor's initial lock in, or any other material loan changes not specifically mentioned here. Royal Pacific Funding is a wholesale mortgage company that is an FNMA- FHLMC- and GNMA-approved sellerissuer also offering jumbo and. Enter the required information to make your payment. CLOSED NOW. Is PPP Loan Fraud The Largest Fraud Of All Time? Royal Pacific Funding PropertyRate Nationwide Appraisal. Royal Pacific Funding Introduces Correspondent Lending. Royal Pacific Funding | 2,187 followers on LinkedIn. Royal Pacific Contact Info: Phone number: (877) 267-1056 Website: www.rpfcorp.com What does Royal Pacific do? Our mission is based on caring for our employees in a manner which motivates them to care for our customers . Follow Jamaican news online for free and stay informed on what's happening in the Caribbean VA Loan. Royal Pacific Funding is located at 4000 MacArthur Blvd West, Tower - 7th Floor, Apt A in Newport Beach, California 92660. Right Start Mortgage, Inc. RP Funding Corporate Office 1400 International Pkwy S, Suite 1000 Lake Mary, FL 32746 Phone: 321-397-4420 Email: info@rpfunding.com. Service will resume Sunday, June 5th, 2022 at 12:00 PM Eastern time although it is possible systems will be available sooner. Mortgage Real Estate Agents Payment Calculator. Pacific Funding Mortgage Division - Santa Clarita Valley. You can count on us for the most diverse options and best rates around. Box 94087 Palatine, IL 60094-4087. PHH Mortgage Services 1/ Asset Classes African Banks Bank Drafts CMO's - Collateralized Mortgage Obligation Copper Isotopes Historical Bonds including Mexican Bonds IBOE's - Smythe LLP Scholarship Principal and Interest. You may opt out of receiving calls or texts at any time by engaging in any of the following reasonable means: (1) emailing customerservice@royalunited.com to expressly state in writing that you no longer wish to be contacted by Royal United Mortgage and are revoking your consent to . Loan Officers in Costa Mesa Find Best Local Agents for. Since 1898, we've focused on putting you first. Copyright 1999 2023 GoDaddy Operating Company, LLC. Available to support students in the MBA program, via an internship with the Royal Canadian Legion, Branch #10. 9,000+. Reviews from Royal Pacific Funding employees about Royal Pacific Funding culture, salaries, benefits, work-life balance, management, job security, and more. Bank of America cut 1,000 mortgage jobs in Ohio, closing offices in Beachwood, Cincinnati, and Independence. "Not many lenders could get you into a home with a not so perfect credit score and a high DTI especially during a pandemicbut Nations did it, and in record time! Palatine, IL 60055-0054. We are a true partner to insurance brokers and agents and equip them with customized tools and solutions for their unique goals. San Diego Habitat for Humanity Change in terms include, but are not limited to, changes in loan amount, loan program, fees, discounts, lender credits, rate, APR, buy-downs, years of term, origination, down payment, seller or any interested party credits, and within the time of the competitor's initial lock in, or any other material loan changes not specifically mentioned here. Payment Method This list indicates how the client will pay for the appraisal. This is just a small sample of the cases we accept. Log In To Online Banking | Royal Credit Union Funding fees are required by law for VA home loans. Website not valid or intended for California residents/customers, RP Funding has saved our clients $80M in Closing Costs. To ensure the ongoing success of your loan servicing, it is imperative that we keep our records current with your most up-to-date information. You can choose to make your payments online or by mail. Results are sent immediately to your email address, if you provided one. Ms. Fisher says that Dovenmuhele ignored the law and instead only offered her a 90 day forbearance plan. Although it was none of Dovenmuheles business, Ms. Fishers work as a work at home bookkeeper dried up during the pandemic forcing her to seek the forbearance. Royal Pacific Funding is So. Mortgage Accounts. RP Funding, Inc. We leverage technology to boost. As a valued partner we want to make sure your experience with us is smooth & efficient. Request priority service ($100 fee) if you need to have a name approved in 1 to 2 business days. Tyrel Pierce 21DR38 - In re the Marriage of Kristine Rue and Mario Rue 22CV30013 - Dimuccio V Potter 22CV30021 - Royal Pacific Funding Corp VS Jose Montemayor, et al 22CV30022 - Freedom Mortgage Corp VS Keaton Tjelmeland, et al 22CV30029 - Gary Morris vs Sohum Mountain Ranch 22CV30048 - Colorado Housing and Finance Authority v. We want you to know about all of your home financing options. Royal Bank of Canada is offering notes (the Notes) linked to an equally-weighted basket (the Basket) of 35 equity securities (each, a Reference Stock) selected by Fri Jun 03 2022 17:43:02 GMT-0700 (Pacific Daylight Time) Payments by Mail AmWest Funding Corp. P.O. 26 Jun, 2022 festival hearts of palm spaghetti costco fredi richter bodybuilder rivercrest country club membership cost. *Based on results from Inside Mortgage Finance 12M ended 3/31/22. Can fund up to $500 with a credit card. Visityourmortgageonline.comto pay online. Royal Pacific Wholesale Mortgage As an established wholesale mortgage lender, RPF has now expanded into correspondent lending with the intention to build its servicing. #\*0f*U+OKH-784tWvB9\t|UDF/)>^y%q\mhA A]mP.h;y|g(2ZkHd(X R'XB${d,9fdJ:p`zN 1=SSc2$R4n){ h}@|7IxHMCL\'7Lx?}$O*u3^W y5 u6GE$ o-&GY@Sb?u `cneC*U+eU u@ ,'/3r 8L't'Tb;2B?(x %uFh J9B"hTPZ~a8v0LO7}kQYmu\ov< 3NUh N Disbursements and pay-offs included in debt ratio calculations. From our humble roots in 19th-century Arkansas, we have grown, becoming a mortgage powerhouse with offices in over 40 states. Royal Pacific is a wholesale mortgage company. Hours of Operation: Mon-Fri, 8am-8pm ET. We would like to show you a description here but the site wont allow us. If you are the site owner (or you manage this site), please whitelist your IP or if you think this block is an error please open a support ticket and make sure to include the block details (displayed in the box below), so we can assist you in troubleshooting the issue. Copyright 1999 2023 GoDaddy Operating Company, LLC. The following charges always remain an expense to the borrower and are not Closing Costs: rate discount costs/discount points, prepaid items (including mortgage insurance premiums, interest, property taxes, homeowners insurance, and any escrow accounts), Upfront Mortgage Insurance Premium (UFMIP), funding fees, the payment of a mobile notary fee if the selected closing agent has an office which serves the area, or additional non-standard services requested by the purchaser.