Real Estate Mortgages

We not only manage your notes, we monitor your investments. We make sure any defaults are brought to your attention and dealt with in a timely manner. Lost time equals lost revenue. Fast and decisive action and a recovery plan is the best insurance to keep your investments running smoothly.

We pride ourselves on friendly customer service for your buyers, personally answering their questions and providing them with access to their accounts. We collect their payments, make immediate transfers into your account, update all account balances, and provide you with accurate account history on a daily basis. We also satisfy your IRS and State tax reporting requirements by preparing annual 1099 and 1098 notices, annual statements, and complete payment histories.

When the borrower’s monthly payment on a first position loan includes amounts for the payment of Property Taxes and/or Hazard Insurance, Secure Account Service will collect and hold those proceeds in a trust account and disperse the scheduled payments to the respective authority on schedule.

We can handle all types of notes for Partnerships, Mortgage, and Note Brokers. Our advanced software system accommodates contracts with infinitely complex terms in payment schedules, finance types, and interest rates. We can meet all requirements for trust accounting and reporting for the department of real estate and Internal Revenue Service.

Secured Notes

If your business finances the products you sell, such as cars, RV’s or boats, we can offer you a superior and cost-effective option for your account-servicing.

We are strictly a third-party servicer. We only begin servicing documents after they have been created. We excel in friendly and informative customer service for your clients as well as an advanced collection program that allows your customer to pay, by mail, drop-box, internet, direct deposit, or phone. They have 24/7 access to their account information and payment history. Most transactions are processed immediately and payments deposited directly into your specified account.

Staying in touch with customers regarding their accounts can often solve a problem before it becomes an issue. We pride ourselves on providing personalized customer service. Your customers will reach a live person not a telephone tree when inquiring about their account.

Default servicing occurs when payments have stopped and all other avenues have been exhausted. Upon request by the lender, they may include:

• Collection and retrieval coordination
• Legal services coordination

Unsecured Notes

If your note is unsecured, often even more advantageous to have a third party servicer. Note servicing minimizes disputes over principal balances at any given time. It also adds cash value to your note by providing a payment history, monitoring and aggressive delinquency collection procedures.

We are responsible for collecting and recording payments, calculating interest and principal balances, depositing funds, dealing with late payments, special principal payments, or a defaulting payor. We deposit your funds directly into your account.

Unsecured loans make it even more important to insure prompt payment by giving your creditor every available means to make his payment in a timely fashion. We offer payments by automatic withdrawal, check and access to Wells Fargo drop boxes throughout the country for convenience. Our services also include:

• Online access to account information 24/7
• State of the art transaction security
• Printer friendly account history
• Secure document storage
• Payment coupons for your buyers
• Mailed monthly statements
• Automatic Late Notices
• Account default notices to you
• Yearly income statements for IRS
• Collection Services

Secure Account Service allows you to keep on top of your loan without being personally involved.

Other Services

Note Buyers, Collection and Retrieval Services, Foreclosure and Legal Services, Eviction, and REO Management and Property Sales Services, Investors.

We have access to buyers who are standing by to make estimates on your note if you ever want to sell. Whether you’d like to cash out, or assist your clients in a cash out, our network can give you the cash you need. Whether it is money to pay bills, buy a home, or pay for an education, we can secure a buyer for you.

We are not in the reselling business, just as we are not in the collection or foreclosure business. We offer these services as a convenience to our clients. No matter your circumstance, we work with the best professional service providers in all of these areas to coordinate the most cost-effective and seamless transaction for our clients.