2. We Immediately Expand Your
Team
TT Lender Solu tions works with your
s taff to implement cus tom s olutions
for any portfolio
res tructu re or los s mitigation
challenge you may have.
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3. We Add Value to Your Exis ting
Team
• Extens ive & divers e management experience
– Well-vers ed in indus try-related laws , regu lations and
practices
• Comprehens ive s ervices nationwide
• Us e proven proces s flow techniques – with no
reputation ris k
• Improve cas h recovery on non-performing loans
• Review each s cenario and offer recommendations
and s olutions directly to the lender
• Partner with top s pecialis t organizations in the
indus try
• Excellent record of borrower relations
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4. Services Provided
• Portfolio res tructure and exit s trategies
• Cons truction/Permanent lending
management
• Cons truction loan los s mitigation
• Cons truction management
• Purchas e of REO Properties
• Portfolio due diligence
• National Title and Settlement s ervices
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5. Portfolio Res tructuring and Exit
Strategies
Overview
• We have an effective proces s for all loan
s cenarios
– Current loans
– Delinquent loans
– Fixed and adjus table loans
• Flexible and fully compliant underwriting
guidelines through our lender partners
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6. Portfolio Res tructuring and Exit
Strategies
Services
• Loan Level Due Diligence
– Refinance exit s trategy analys is
– Extens ive review before initiating borrower contact
• Efficient Short Refinance Proces s
– Facilitation and negotiation of lender conces s ions
– Su bordination and modification of exis ting mortgage
• Borrower contact for both s ales and fulfillment
• Solutions to Three Major Impediments
1) Title is s u es
2) Commu nication delays
3) Tight u nderwriting gu idelines
• Loan Modification
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7. Cons truction Lending
Management
Overview
• Strong background in all as pects of
cons truction-to- permanent lending
• Loan adminis tration and dis burs ement
s ervices covering the entire proces s from
builder review through loan modification
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8. Cons truction Lending
Management
Services
• High s ervice quality with extens ive experience
• Smooth proces s ing with TCL s ervicing
s oftware
• Ris k reduction with tight integration to TTLS
los s mitigation s ervices
• Early los s mitigation intervention
– Cus tom predictive ris k modeling
– Cons tant portfolio monitoring
• High rate of property completion with
cons truction management s ervices for s talled
projects
• Tight integration with national title s ervices 8
9. Cons truction Loan Los s
Mitigation
Overview
• Highly experienced in los s mitigation
s trategies
• Ability to deliver high recovery and velocity of
return for defaulted mortgage loans
• Provide s olutions for default/non-performing
loans
• Licens ed debt collector
• Knowledgeable even in the mos t challenging
files
• Team vers ed in diplomacy and creativity
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10. Cons truction Loan Los s Mitigation
Services
• Loan Couns eling Services
– Negotiate and res olve borrower/builder is s ues
– Res tart cons truction and facilitate project completion
– Negotiate lot loan conversion
– Loan restructure, including s hort-s ale if required
– Negotiate deed in lieu with or without borrower
contribution
– High s ucces s rates of contacting borrower and achieving
res pons ivenes s and cooperation
• Modification Facilitation
– Mobile notaries local to borrower for on-s ite contact or
s igning –
– Negotiation and preparation
– Manage the execution of loan modification documents
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11. CP Los s Mitigation In
Summary
Builder
Consumer TT Lender Solutions Banks/Lenders
Sub-
Contractors
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12. Cons truction Management
Overview
• Turn partially completed cons truction
projects rapidly into cas h
• Provide analys is of bes t recovery options
– Abandon project for res ale as raw land
– Sell “ as -is ”
– Build out and s ell as completed home
• REO purchas e options through inves tor
channels
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13. Cons truction Management
Services
• Project Analys is
– Zoning and permitting review and analys is
– Market and value review and analys is
– Contractor Review
– Review of original plans , s pecs , cos t breakdown
– Review of cons tru ction s tage and city/cou nty ins pection
s tatu s
• Budget Analys is and Build Out
– Acquire and analyze contractor bids for completion
– Hire new GCs or engage s u bcontractors directly
– Track progres s , is s u e dis bu rs ement au thorization to
lender
• Project Abandonment
– Coordinate demolition
– Lis ting and s ale s ervices
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14. REO Services
Overview
• Maximize return
• Services to REO inves tors
• Services to REO portfolio managers
– Specialized management team to s ource
inves tors
• Complete REO
• Partially-Complete REO
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15. Purchas e of REO Properties
Services
• Proces s for Complete or Partially Complete
Purchas e of REO
– Due Diligence
• Review available properties
• Identify properties fitting inves tor
characteris tics
• Review loan file
• Acquire updated property ins pection
– Offer and Settlement
• Inves tor group offer not contingent on
financing
• Settlement within 30 days
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16. National Title and Settlement
Services
Overview
• Nationwide coverage
• An innovative and s treamlined proces s for
portfolio res tructuring
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17. National Title and Settlement
Services
Services
Breakthrough proces s that s olves three
impediments to portfolio res tructuring
– Title Is s ues
– Communication Delays
– Overly Res trictive Underwriting Guidelines
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