Built on family values and a strong work ethic, our mission is to deliver timely, accurate, and dependable mortgage field services our clients can trust.
Our History
Pat Neff & Associates LLC (PNA) is a regional mortgage field servicing company founded in 1982 by Patricia Ann Neff. Beginning with inspection services in West Texas, PNA expanded over the next decade to serve mortgage institutions and national mortgage servicing firms throughout Texas. Today, PNA operates across Texas and Oklahoma, as well as 10 parishes in Louisiana.
Our leadership team brings more than 120 years of combined industry experience. We provide 24/7 support for receiving, completing, and processing work orders, ensuring timely and accurate service for our clients. With a staff experienced in both field operations and client service, PNA continues the tradition of accuracy, consistency, and professionalism established by Pat Neff over her 30 years of leadership.
Our Services
Our network provides critical information regarding a property's condition and occupancy status. Our assessments of residential, commercial, and collateral properties help reduce risk, limit losses, and aid stakeholders to identify issues throughout the loan lifecycle. Types of inspections we perform include, but are not limited to:
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Initial, Weekly, and Monthly Inspections
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Occupancy Verification
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Bankruptcy Inspection
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REO Inspection
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Insurance Loss Draft Inspection
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Quality Control Inspection
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Interior Inspection
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Mobile Home Inspection
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Marketing Inspection
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Merchant Site Survey
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Pre- and Post-Foreclosure Inspections
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Borrower Interview
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Natural Disaster/FEMA Inspection
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Sale Date Inspection
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Collateral and Commercial Inspections
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Letter Delivery
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Custom Inspection
Our Team
Tammy "Babe" Neff
Owner, CEO
Tammy, known to her grandchildren as “Babe,” began her career with Pat Neff & Associates in 1982 as the company’s first inspector. Over more than 40 years in the industry, she has personally completed thousands of inspections and preservation assignments throughout Lubbock, El Paso, Houston, and parts of Oklahoma. Her extensive field experience makes her a valued mentor within PNA’s vendor network and a trusted resource for clients. Following Pat Neff’s passing in 2011, Tammy relocated to Lubbock to oversee the company’s daily operations. In 2013, she and her husband, Dwain Neff, acquired ownership of the company. Together, they expanded PNA’s client base, embraced new technologies, strengthened the vendor network, and helped grow the company into the organization it is today. As CEO, Tammy oversees compliance, client operations, recruiting, and onboarding, while continuing to uphold the professionalism and service standards on which PNA was built.
Dwain Neff
Owner, COO
Dwain Neff began his 31-year career in the trucking industry while attending Texas Tech University. Starting as a part-time dispatcher, he advanced through leadership roles across multiple locations before managing one of the largest terminals in Houston for a top 10 national LTL carrier. With more than 40 years of logistics and operations experience, Dwain brings valuable insight into balancing client expectations with the realities of field operations. As the founder’s son, he is deeply committed to upholding the values and standards established by his mother, Patricia Neff. Dwain stepped into his COO role at Pat Neff & Associates in 2011 and became co-owner in 2013. Guided by his belief that “we aren’t in the inspection business; we are in the people business,” he has built strong relationships with both clients and contractors while overseeing the company’s day-to-day operations and continued growth.
Derek Neff
CFO
Derek earned his Bachelor of Business Administration from The University of Texas at Tyler in 2008. At Pat Neff & Associates, he is known as the “numbers guy” as he oversees payables, receivables, pricing, cost analysis, and performance metrics. He contributes a strong analytical and operational background to PNA. Prior to joining PNA full time, Derek gained extensive logistics and business development experience in the oil and gas midstream industry with a leading Houston-based company. Over the course of his career, he advanced from pipeline control trainee to managing a pipeline scheduling department. In this management position, he was responsible for overseeing pipeline logistics, storage, dock operations, crude blending, and inventory management for more than one million barrels of crude oil per day. Derek also has firsthand field experience with PNA, completing inspections throughout El Paso, East Texas, and the Houston area. He garnered experience in the field from his mom, Tammy. As a child, he often rode in the car during her routes. Before the days of modern navigational tools, he would read her turn-by-turn directions she had mapped out using a MAPSCO. As the grandson of founder Patricia Neff, he takes great pride in continuing the family legacy and the values on which the company was built.
Ami Neff
CTO
Ami Neff is the Chief Talent Officer at Pat Neff & Associates. She brings more than 10 years of experience in mortgage field servicing and team development to the position. Prior to her current role, she worked as a high school English teacher and Head Varsity Girls Basketball Coach. These experiences continue to shape her people-first, relationship-driven leadership style. Ami holds a Bachelor of Arts in English from Oklahoma Panhandle State University and a Master of Arts in Management and Leadership from Webster University. She specializes in talent management, client relationships, operational excellence, and fostering a collaborative company culture that supports organizational growth. Like her brother Derek, Ami brings firsthand field experience to Pat Neff & Associates, having completed inspections throughout El Paso and the Dallas–Fort Worth area. Raised in the family business, she spent much of her childhood accompanying her mother, Tammy, on inspections and learning the industry firsthand. Ami’s connection to PNA began early—she was less than a year old when her grandmother, Pat founded the company in 1982. During her college years, she worked in the PNA office handling data entry and administrative support, further strengthening her knowledge of the business and commitment to continuing the family legacy.
Arvin King, Jr.
Manager, Operations
Arvin earned his Bachelor of Arts in Psychology from The University of Texas at Tyler in 2009. He began his career as an ABA therapy technician, working primarily with children on the autism spectrum and applying his training to improve the lives of the clients he served. In 2011, Tammy and Dwain brought Arvin on as a field inspector, making him one of the first vendors added after they assumed operations of Pat Neff & Associates. Covering Harris County and the surrounding Gulf Coast region, he quickly became a trusted and dependable member of the field network. As PNA expanded, Arvin’s leadership and operational strengths led to his transition into an in-house management role. Today, he oversees the daily operations for more than 60% of the company’s monthly business, playing a key role in maintaining service quality and client satisfaction.
Brooke Neff
Coordinator, Operations
Brooke brings a diverse professional background and hands-on industry experience to Pat Neff & Associates. She spent two years performing field inspections before transitioning into her current role as an Operations Coordinator, where she has managed operations and client support for the past three years. Her combined field and administrative experience provide valuable insight into the day-to-day demands of the mortgage field servicing industry. Prior to joining PNA, Brooke worked as a high school forensic science teacher and basketball coach, developing strong leadership, communication, and organizational skills. She earned a Bachelor of Science in Exercise Science from Northwestern State University and a Master of Science in Kinesiology from Texas Woman's University.