.[i] To determine whether a trustor is protected by the SCRA, we obtain the so-called “non-military” affidavit (the “NMA”). The NMA is prepared by the servicer (or beneficiary) who has had contact with the trustor or another party to ensure that the trustor is not on active duty. The servicer should also check the database […]
The City of Los Angeles has what is arguably the most onerous program to deal with. Given the vast number of vacant and distressed properties within the City of Los Angeles, it is no surprise that the City has taken steps to protect its residents and neighborhoods. Registration with the City of Los Angeles […]
In Alameda, a property is required to be registered with the City upon the occurrence of either (a) the boarding up of the building by the voluntary action of the owner or as a result of enforcement actions of the City or (b) when the property is vacant for more than 90 days for […]
Think you’re not affected? Better think again. Over the past several years, the federal and state governments have sought to quell the “foreclosure crisis” that has overtaken the public discourse. States such as California have enacted legislation such as the homeowner’s bill of rights whose goal was to afford additional protection to delinquent borrowers. […]
A question many people wonder is, what kind of mortgage rate will I qualify for? Possibly one of the scarier questions prospective homeowners and investors must ask themselves before investing into any property. The struggle with being qualified and or accepted, let alone purchasing a home these days can be a scary task to many. This […]
When discussing the “hottest” home markets in the United States, one city must be mentioned, the beautiful San Diego. According to Realtor.com, when it comes to supply and demand, San Diego made the list as the eighth “hottest” home market in the last six months. This signified the highest ranking the […]
By: Randy Newman, President, Total Lender Solutions The Service Members Civil Relief Act (SCRA) was enacted in 2003 in order to update the Soldiers and Sailors Civil Relief Act of 1940 (the “1940 Act”) which, in turn, had updated the Soldiers and Sailors Civil Relief Act of 1918. The SCRA significantly expanded the rights of […]
The City of Los Angeles has what is arguably the most onerous program to deal with. Given the vast number of vacant and distressed properties within the City of Los Angeles, it is no surprise that the City has taken steps to protect its residents and neighborhoods. Registration with the City of Los Angeles is […]
After the three months pass, if the Trustor has not reinstated the loan or redeemed the property, then the Beneficiary will request that the Trustee record a Notice of Sale (“NOS”). Within the Notice of Sale, there will be stated the upset price which is the approximate total amount that the Beneficiary will be owed […]
The Trustee then sends (by regular and certified mail) to the Trustor and any one else entitled a copy of the NOD with the recording information. The NOD notifies the Trustor that the loan is in default, advises the Trustor of the amount then in arrears, and informs the Trustor that he/she must maintain the […]
California Non-Judicial Foreclosure Process: Step ONE The non-judicial foreclosure (also known as a Trustee’s Sale) is a process initiated by the lender (called the “Beneficiary”) as a result of the failure of the borrower (called the “Trustor”) to do what they promised to do under the terms of a promissory note and an accompanying deed […]
The foreclosure market continues to show signs of repair that began last year. Foreclosures have been a major issue for homeowners, not only here in California, but nationwide as well. Ten years ago in 2006, there were approximately just over 717,000 properties that were put into foreclosure throughout the nation. Not surprisingly to anyone who has been around, studies show that the highest number of foreclosures […]
Some may wonder, what is a UCC sale? In certain instances, lenders will make loans secured by both real and personal property; other times, the loans may be secured only by personal property. When secured by both types of properties, the lender has the ability to conduct what is called a “unified” sale where […]
With the housing market crash almost ten years behind us, there are signs of things being on the up and up for real estate. There have been a lot of changes in the national real estate market over the last ten years. Recent studies show that at the end of 2015 foreclosure activity has gone […]
Most people believe that the only way to add value to your home is by doing huge renovation projects. However this isn’t always the case. There is many tips and ways to add instant value to your home, and a lot of them are cheaper than you expect! It is key to know what areas […]
What is the price you would pay to live in some of the more popular areas within the United States? New York and California clearly made the list, but what other cities would you guess also made the top ten? Unfortunately in some of these locations, working 40 plus hours a week only gets you […]
If you had to guess what the cost of an average home in beautiful San Diego, California was, what would be your guess? The average home value in San Diego has risen more than 6% in the past year alone. The new number on the price tag of a median home here now is approximately […]
With over 30 years of industry experience, Total Lender Solutions helps institutional, private, and hard money lenders to navigate the complex maze of loan document drawing, foreclosure processing and UCC sales in California, Nevada, and Arizona. We’re best known for our extraordinary, comprehensive, hands-on approach to serving our client base.
With offices in San Diego, California and Phoenix, Arizona, Total Lender Solutions was founded in 2005.
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.
Spring CMA Conference April 25th-27th: Total Lender Solutions is proud to be exhibiting at this event again in San Francisco. The CMA provides education for CA licensed private money lenders on the industry through legislative review and advocacy.
Geraci Activate Conference May 9th-11th: “Bringing Application to Innovation ” The next conference Geraci LLP is hosting will be in Beverley Hills. With four different conferences each year, Total Lender Solutions will be exhibiting at every show.
Summer CMA ConferenceJuly 12th- July 13th, 2018: This next conference hosted by the California Mortgage Association will be hosted in our backyard! Come stop by our booth, we look forward to meeting more local connections!
Geraci Captivate West Conference September 9th-11th: Located at the beautiful Cosmopolitan hotel in Las Vegas, Nevada. Unlike the other conferences that Geraci LLP hosts, this one will be less on education and more on industry needs and capital. You can find TLS exhibiting at this conference in the fall as well.
We are excited to be affiliated with these industry organizations:
CALIFORNIA OFFICE:
Total Lender Solutions
10951 Sorrento Valley Rd, Ste 2F
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
10951 Sorrento Valley Rd, Ste 2F
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.
