The Homeowner Bill of Rights (“HBOR”) was enacted to attempt to open a dialogue between the borrower and lender and to ensure that the borrower is made aware that there is not only help available, but alternatives to foreclosure. Similar versions were enacted in both California and Nevada following the Great Recession of 2008. Since […]
Originally posted on AAPLonline.com. When used properly, a DIL can be a great option for lenders seeking to avert foreclosure. Given the current economic uncertainty, unprecedented unemployment and number of loans in default, lenders should properly review, evaluate and take appropriate action with borrowers who are in default or have talked with them about payment […]
One of the most frequently asked questions we receive from our clients is “How long does a foreclosure take?” or “How long does the process last?”. The foreclosure timeline differs state to state as we must follow the statutory guidelines. However, these timelines do not consider the things that can keep the foreclosure from moving […]
In order to comply with state and federal regulations and avoid legal action, lenders need to be aware of these items before starting a nonjudicial foreclosure. The Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) Dodd-Frank only applies to consumer purpose loans on owner-occupied 1-4 family properties. Under Dodd-Frank, which is mostly enforced by […]
Originally posted on REI-Ink.com Simple timing errors can cost you money. By Randy Newman Limitation of Actions. Or, put colloquially, the Statute of Limitation. Three words that can derail your foreclosure and impair the legal validity of both the mortgage and the underlying promissory note. Not paying attention can be devastating to a lender. So, […]
Originally posted on RealtyTimes.com You currently hold the first mortgage on a rental property in California. The borrower is behind in payments to you and has disregarded all communications from you. You decide to file a notice of default to start the foreclosure process. Three months lapse, the sale has been set, the date of […]
Total Lender Solutions (“TLS”) was founded in 2005 as National Foreclosure Service to assist institutional, and private lenders in secured asset recovery in California and Nevada. In August 2016, TLS expanded to Arizona with the acquisition of Western Regional Foreclosures.
2018 was a busy year for TLS with the acquisition of Prime Pacific Foreclosures in Ukiah, CA, and the commencement of operations in Texas to serve lenders making secured loans in the Lone Start State.
Randy has been involved in real estate and default servicing since 1982. As an attorney in New York and New Jersey, Randy represented hundreds of buyers, sellers, owners, and lenders in connection with the sale, purchase, finance, lease, and foreclosure of residential and commercial real property throughout the United States.
Randy holds a BBA in Accounting from Hofstra University and a J.D. from the Benjamin N. Cardozo School of Law. He is currently licensed as a real estate broker in California, an attorney in New York and New Jersey, and has been certified by the United Trustee’s Association (UTA) as a Trustee Sale Officer at the highest level.
Randy was previously an adjunct assistant professor of business law, and currently teaches Real Estate Principles, Real Estate Practice, and Aspects of Real Estate Law.
The complexities of the multitude of laws affecting the foreclosure process on both the state and federal levels can be daunting.
With over 30 years’ experience, the experts at Total Lender Solutions are well suited to guide you through the process. As certified trustee sales officers by the United Trustees’ Association, we bring the highest level of expertise to the non-judicial foreclosure process.
Submit your information, or call us today at (866) 535-3736 to see what Total Lender Solutions can do for you.
While most loans do not go into default, having the proper documentation is absolutely paramount.
With the ever-changing regulatory landscape, the experts at Total Lender Solutions can prepare enforceable documents that meet current standards.
Submit your information, or call us today at (866) 535-3736 to see what Total Lender Solutions can do for you.
When personal property is the only collateral in a foreclosure, the lender can use the provisions of the Uniform Commercial Code (“UCC”) to sell that personal property at an auction.
Total Lender Solutions assists lenders to conduct public sales in a commercially reasonable manner so the interests of both the lender and borrower are protected.
Submit your information, or call us today at (866) 535-3736 to see what Total Lender Solutions can do for you.
Total Lender Solutions takes education very seriously. With the industry constantly changing, we are committed to keeping our clients and others up to date with the most up to date changes in the law.
By offering in-house seminars, we are committed to educating about the foreclosure process and other topics in the industry.
The educational seminar on foreclosures is only part of what TLS offers. We can come to your office and offer your team a presentation on many different subjects.
CMA WINTER SEMINAR – CALIFORNIA MORTGAGE ASSOCIATION
January 22nd-24th in Fashion Island Hotel, Newport Beach, CA.
ACUCC VENDOR FAIR – ARIZONA CREDIT UNION COLLECTORS COUNCIL
February 13th in Phoenix, AZ.
NCUCA – NATIONAL CREDIT UNION COLLECTIONS ALLIANCE
April 15th-17th in Bellagio Las Vegas, NV.
CMA – CALIFORNIA MORTGAGE ASSOCIATION
April 23rd-24th in Westin St. Francis, San Francisco, CA.
SOUTHWEST LENDING & COLLECTIONS – BY CCUL- CORNERSTONE CREDIT UNION LEAGUE
May 13th-15th in Hilton Palacio del Rio, San Antonio, TX.
CMA – CALIFORNIA MORTGAGE ASSOCIATION
July 16th-17th in San Diego Mission Bay Resort, San Diego, CA.
ATA – ARIZONA TRUSTEE ASSOCIATION
August 27th-29th in (To Be Determined), AZ.
TRIGILD
October 13th-15th in Hotel Del Coronado, San Diego, CA.
CMA – CALIFORNIA MORTGAGE ASSOCIATION
October 21st-23rd in Aria Resort & Casino, Las Vegas, NV.
CCUCC- CALIFORNIA CREDIT UNION COLLECTORS COUNCIL
October 22nd-24th in (To be Determined).
NAGGL
November 2nd-4th in The Cosmopolitan of Las Vegas, Las Vegas, NV.
UTA – UNITED TRUSTEE’S ASSOCIATION
November 8th-10th in Peppermill Resort Spa Casino, Reno, NV.
AAPL – AMERICAN ASSOCIATION OF PRIVATE LENDERS
November 15th-17th in Caesers Palace, Las Vegas NV.
We are excited to be affiliated with these industry organizations:
CALIFORNIA OFFICE:
Total Lender Solutions
10505 Sorrento Valley Road, Ste 125
San Diego, CA 92121
866.535.3736
858.630.5570 (fax)
ARIZONA OFFICE:
Tolesoaz Corp
dba Total Lender Solutions
One West Deer Valley Road,
Suite #103
Phoenix AZ 85027
623.581.3262
Randy S. Newman
Designated Broker
License #BR663002000
CALIFORNIA OFFICE:
Total Lender Solutions
10505 Sorrento Valley Road, Ste 125
San Diego, CA 92121
866.535.3736
858.630.5570 (fax)
ARIZONA OFFICE:
Tolesoaz Corp
dba Total Lender Solutions
One West Deer Valley Road,
Suite #103
Phoenix AZ 85027
623.581.3262
Randy S. Newman
Designated Broker
License #BR663002000
The complexities of the multitude of laws affecting the foreclosure process on both the state and federal levels can be daunting.
With over 30 years’ experience, the experts at Total Lender Solutions are well suited to guide you through the process. As certified trustee sales officers by the United Trustees’ Association, we bring the highest level of expertise to the non-judicial foreclosure process.
Submit your information, or call us today at (866) 535-3736 to see what Total Lender Solutions can do for you..
The complexities of the multitude of laws affecting the foreclosure process on both the state and federal levels can be daunting.
Submit your information, or call us today at (866) 535-3736 to see what Total Lender Solutions can do for you.
With the ever-changing regulatory landscape, the experts at Total Lender Solutions can prepare enforceable documents that meet current standards.
Submit your information, or call us today at (866) 535-3736 to see what Total Lender Solutions can do for you.
Total Lender Solutions assists lenders to conduct public sales in a commercially reasonable manner so the interests of both the lender and borrower are protected.
Submit your information, or call us today at (866) 535-3736 to see what Total Lender Solutions can do for you.
Deed of Reconveyance is a document used to transfer title to the borrower (Trustor) from the Trustee. This is done once the borrower has fully paid the debt secured by a Deed of Trust.
Submit your information, or call us today at (866) 535-3736 to see what Total Lender Solutions can do for you.
TLS takes education very seriously. With the industry constantly changing, we are committed to keeping our clients and others up to date with the latest regulatory laws.
Submit your information, or call us today at (866) 535-3736 to see what Total Lender Solutions can do for you.
