American Residential Investment Trust, Inc. (AmRES) is an externally managed real estate investment trust.

AmNet originates residential mortgage loans primarily to prime credit quality borrowers secured by first trust deeds referred through a network of independent mortgage brokers. A significant portion of the Company's business is concentrated in California (30% of loans originated in 2003).
AmNet sells the loans that it originates to institutional purchasers, on a servicing-released basis usually within 30 days of loan origination.

In late 2001, AmRES formed American Mortgage Network, Inc. (AmNet), a wholly owned subsidiary, to engage in mortgage banking activities. AmNet opened its first branch office in October 2001, and had 22 branch locations during the year ended December 31, 2003.