{"id":30,"date":"2016-07-14T17:58:48","date_gmt":"2016-07-14T17:58:48","guid":{"rendered":"http:\/\/kaminibay.com\/?page_id=30"},"modified":"2022-08-24T19:51:43","modified_gmt":"2022-08-24T19:51:43","slug":"home","status":"publish","type":"page","link":"https:\/\/kaminibay.com\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"30\" class=\"elementor elementor-30\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1856bd1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1856bd1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c0f513\" data-id=\"7c0f513\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8536e42 elementor-widget elementor-widget-image\" data-id=\"8536e42\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" width=\"1024\" height=\"477\" src=\"https:\/\/kaminibay.com\/wp-content\/uploads\/2016\/07\/Philadelphia-skyline-1400px-1024x477.jpg\" class=\"attachment-large size-large wp-image-37\" alt=\"Philadelphia skyline photo\" srcset=\"https:\/\/kaminibay.com\/wp-content\/uploads\/2016\/07\/Philadelphia-skyline-1400px-1024x477.jpg 1024w, https:\/\/kaminibay.com\/wp-content\/uploads\/2016\/07\/Philadelphia-skyline-1400px-300x140.jpg 300w, https:\/\/kaminibay.com\/wp-content\/uploads\/2016\/07\/Philadelphia-skyline-1400px-768x358.jpg 768w, https:\/\/kaminibay.com\/wp-content\/uploads\/2016\/07\/Philadelphia-skyline-1400px-940x438.jpg 940w, https:\/\/kaminibay.com\/wp-content\/uploads\/2016\/07\/Philadelphia-skyline-1400px-859x400.jpg 859w, https:\/\/kaminibay.com\/wp-content\/uploads\/2016\/07\/Philadelphia-skyline-1400px.jpg 1400w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-567be734 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"567be734\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-172e659d\" data-id=\"172e659d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90d35a9 elementor-widget elementor-widget-heading\" data-id=\"90d35a9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">SEASONED, TRUSTED PRINCIPAL BUYERS OF DISTRESSED RESIDENTIAL MORTGAGE ASSETS ACROSS THE UNITED STATES<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50d4d649 elementor-widget elementor-widget-text-editor\" data-id=\"50d4d649\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Kamini Bay Asset Management is a Philadelphia-based, principal buyer of non-performing residential whole loans from financial institutions across the United States.\u00a0We typically work with Chief Credit or Asset Recovery Officers to help maximize recovery on nonaccrual assets and we work respectfully with the borrowers to preserve their rights and our sellers\u2019 reputations.<\/p><p>We know what it means to be trusted trading partners and have the internal processes and financial backing to consistently perform. We work together with our sellers to maintain a focus on what\u2019s important to them in their loan sale process. We complete due diligence quickly and cleanly and are transparent with our pricing model.<\/p><p>Sellers appreciate having a long-term partner they can rely on when they want to sell quickly and with confidence.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ff8a13a elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff8a13a\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6d3cedf\" data-id=\"6d3cedf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e1fce35 elementor-widget elementor-widget-heading\" data-id=\"e1fce35\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Approach & Processes<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-238c9bc elementor-widget elementor-widget-text-editor\" data-id=\"238c9bc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div><span style=\"color: #2660a8;\"><b>Our Approach<\/b><\/span><\/div><div><strong><em>A Few Words About How We Operate<\/em><\/strong><\/div><div>\u00a0<\/div><ul><li>We are experienced principal buyers and are in this for the long term.<\/li><li>We look for direct relationships with banks and other funds, where we can establish long term connections and trade with each other over and over.<\/li><li>We buy across the non-performing residential mortgage risk levels, from high quality to unsecured.<\/li><li>We work respectfully with the borrowers, looking for win-win solutions that can keep them in their homes.<\/li><\/ul><div><div>\u00a0<\/div><div><span style=\"color: #2660a8;\"><b>Our Processes<\/b><\/span><\/div><div><b><i>Acquisition Expertise Grounded in Proven Systems<\/i><\/b><\/div><div>\u00a0<\/div><ul><li><i>\u00a0<\/i>We have the technology, systems and know-how to perform loan-level due diligence on asset portfolios of all sizes.<\/li><li>We can conform to our sellers\u2019 loan sale process, but generally give an indicative bid followed by due diligence, a final bid with a jointly approved Loan Sale Agreement, then funding and collateral and servicing transfer.<\/li><li>We protect our sellers and our borrowers with a compliant end-to-end acquisition process starting with data encryption of sensitive incoming files through to boarding with a licensed servicer upon purchase.\u00a0<\/li><\/ul><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-21d2c7f\" data-id=\"21d2c7f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c3eaafd elementor-widget elementor-widget-heading\" data-id=\"c3eaafd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Send Your Message<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-000bdad elementor-widget elementor-widget-shortcode\" data-id=\"000bdad\" data-element_type=\"widget\" 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