Services
What we deliver, in the order an engagement runs, and built around the deadlines that matter: repurchase sunset dates, foreclosure timelines and the carry in between.
01 · At Award
Engagements start the day you win the bid. We take in the data tape and the collateral inventory report, confirm the repurchase sunset dates under the purchase agreement’s reps and warranties, and set a file-by-file scope before review begins. Selling a pool? We start earlier, with collateral review before it goes to market.
02 · Collateral
Document review: note, mortgage or deed of trust, endorsements, allonges, assignments and title, checked against what enforcement requires.
Cure: endorsement corrections, allonges, assignment preparation, lost note affidavits and title curative.
Enforceability audit: confirms each file can go to foreclosure, and identifies files that can’t be cured before the repurchase sunset dates.
Exception report: each document’s status (original, copy or missing), chain-of-title findings, and a prioritized cure plan with estimated timelines.
Custodians and delivery: document requests, receipt tracking, and delivery to your custodian, counterparty or team.
Loan sale preparation: for buyers and sellers, collateral review and cure before a pool goes to market, and the document work to transfer the files at closing.
03 · Resolution & Loss Mitigation
For the files that stall.
Foreclosure alternatives: short sale, deed-in-lieu or cash-for-keys, when they return more than foreclosure. We monitor the process; you choose the loss mitigation option.
Long foreclosure states: files facing long judicial timelines, reviewed for a negotiated exit before the case runs its course.
Deceased borrowers: we locate the heirs and work with them toward an exit. If no heirs are found, our probate law firm partners file to have a personal representative appointed so the estate can sign.
Title and document problems: defects that block a sale or a foreclosure, cured so the file can move.
Files with no better exit go to foreclosure fully enforceable.
04 · Asset Management Software
On its own or alongside our services.
Portfolio view: your full data tape on one screen, every loan from boarding through liquidation.
Asset manager portfolios: each asset manager works their own assigned loans, while you see the whole book.
File management: comments, follow-up tasks and documents on each loan.
Foreclosure tracking: every milestone against its expected date, so stalled files surface early.
Exit modeling: exits compared side by side, net of carrying costs.
Vendor requests: request bids, status updates and property photos from renovation and marketing vendors. They submit securely, straight to the right loan file, with no logins to manage.
Reporting: realized results on liquidated files, forecasted portfolio value, and investor reports.
Working a HUD HVLS or HNVLS pool? See our FAQ on reverse-mortgage files. Contact us →