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About Us

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 headshot

Randy Newman, Founder

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.

Over 30 Years of Industry Experience

Services

Foreclosure
Processing

Are you a lender with a defaulted loan? Let us help you.

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UCC
Sales

Are you a lender with a defaulted loan? Let us help you.

Learn More

Reconveyances

Are you a lender in need of a Reconveyance? Let us help you.

Learn More

Education

Education is our number one priority. Have a question? Let us help you.

Learn More


Where We Operate


What People Are Saying About Us

  • “Randy Newman is extremely well versed in matters foreclosure, bankruptcy, real estate law. He is also very personable and easy to work with, as is his staff. We are active Trust Deed investors and issue NOD’s relatively frequently. I wouldn’t consider using anyone other than Randy and Total Lender Solutions.”

    Stuart W.

  • “Randy and his staff have the expertise that is required for the increasingly complicated foreclosure regulations. They provide both professional and personal service. I highly recommend Total Lender Solutions.”

    Don H., North Coast Financial, Inc.

  • “The foreclosure process becomes more complicated every year, and so it is with full confidence that when we send a file to Total Lender Solutions we know that it is being handled in a professional and lawful manner. As a leading expert in the foreclosure field, Randy Newman is always up to date on current legislation and willing to offer information and advice to his clients. We are more than satisfied with the service we receive from Randy and his staff at Total Lender Solutions”

    Pam S., Standard Mortgage Financial Services, Inc.

  • “Total Lenders Solutions delivers excellent customer service with responsiveness second to none. Their guidance and streamlined approach to maximizing recoveries is always appreciated.”

    Clay C., First-Citizens Bank & Trust Company

  • “Doing business with Total Lender Solutions (TLS) was a shot in the dark; furthering the relationship with Randy and his team turned out to be a great business decision.

    I believe there are Companies that you ‘do business with’ and those who ‘help your business’; TLS is a highly valued and trusted partner that delivers added value.”

    Drew L., Del Toro Loan Servicing, Inc.

  • “I have had the opportunity to work with Randy Newman at Total Lender Solutions regarding a recent foreclosure. His knowledge, expertise and abilities regarding all areas of mortgage lending are most impressive. I would not hesitate to recommend Randy and his company to all lenders and brokers I am affiliated with.

    Thank you Randy.”

    Barbara C., Mortgage Securities Inc

Frequently Asked Questions

What are the reasons for starting a foreclosure?
Foreclosures can be started due to a breach of the borrower’s obligations under the note or deed of trust. The two types of breaches are monetary or non-monetary. Examples of monetary breaches include the failure to make the monthly payment or the balloon payment when they are due. Examples of non-monetary breaches include the failure to maintain insurance or allowing the property to deteriorate.
When can I start a foreclosure?
It will depend on what the note and deed of trust state. In most cases for a monetary default, the foreclosure can usually begin after the grace period ends (however in some consumer loans, there is federal law requiring a 120-day waiting period following default before the lender can commence the foreclosure). In the case of a non-monetary default, the loan documents usually require the lender to give the borrower notice of the breach and an opportunity to cure the default.
How much does a foreclosure cost?
All the trustee’s fees are set by statute and are based on the unpaid principal balance of the loan at the time we start the process. In addition to the trustee’s fees, the costs involved include a trustee’s sale guarantee (title product), recording, posting and publishing fees, and mailings. Please call us for an estimate of the costs and fees for your particular matter.
In which states can TLS conduct foreclosures? 
TLS can conduct non-judicial foreclosures in all of Arizona, California, Nevada, and Texas.
How long does a foreclosure take? 
The length of time varies by state. In Arizona the process takes approximately three (3) months. In California and Nevada, the process takes approximately four (4) months. In Texas, the process takes approximately less than two (2) months.
Will I get all of my money back? 
Not necessarily. The culmination of a foreclosure is a public auction where the property is sold to the highest bidder. If no one bids at the sale, the lender becomes the owner of the property.
What happens at the auction stage of a foreclosure? 
We will offer the property for sale to any party that wants to bid. The lender will typically set the price at the total amount owed to the lender to the date of sale, plus the trustee’s fees and costs (but the lender can accept less depending on the property valuation and other factors). the amount that they are willing to accept as payment. If no one bids on the property at the auction, then the property is deeded to the foreclosing lender who becomes the property owner. If someone bids above the amount the owed to the lender, the lender gets paid and that third-party bidder becomes the owner.
What if the borrower wants to come current after the foreclosure has been started? 
For a limited period of time after the foreclosure begins, the borrower has the absolute right to bring the loan current (if the loan has not matured) once foreclosure has started. This is called reinstatement. If the borrower wants to reinstate, the borrower has to pay all the missed payments and advances to the lender and pay the trustee’s fees and costs to date. The lender can always choose to accept reinstatement after the appropriate time period expires.
Do I have to foreclose? 
No, you do not. Foreclosure should always be your last choice when all other avenues have been exhausted and there is no choice. Oftentimes, a simple phone call to the borrower can resolve the problem without the need of foreclosure. Depending on the borrowers’ circumstances, you may be able to enter into a loan modification or forbearance agreement so as to ensure the lender gets paid.

LET US HELP YOU WITH YOUR FORECLOSURE PROCESSING




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.

LET US HELP YOU WITH YOUR DOCUMENT PREPARATION




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.

LET US HELP YOU WITH YOUR UCC Sales




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.

Extraordinary Dedication
To Our Clients’ Interests

Education

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.

    TOPICS WE HAVE PRESENTED ON:

  • FORECLOSURE PROCESS
  • PROPER LOAN DOCUMENTATION
  • LENDING PROCESS
  • DEEDS IN LIEU OF FORECLOSURE
  • UCC FORECLOSURES
  • COMPLIANCE WITH MUNICIPAL ORDINANCES

2019 Event Schedule

NCUCA – National Credit Union Collections Alliance
April 15th-17th in Bellagio, Las Vegas.

CMA Spring Seminar – California Mortgage Association
April 25th-26th in Westin St. Francis, San Francisco, CA.

CMA Summer Seminar- California Mortgage Association
July 25th-26th in Hilton San Diego Resort & Spa, CA.

GERACI Captivate
August 21st-23rd in The Cosmopolitan, Las Vegas, NV.

ATA – Arizona Trustee Association
August 29th-31st in Tubac Golf Resort & Spa, Tubac, AZ.

CCUCC- 32nd Annual Educational Conference
October 17th-19th in 26 Town and Country Hotel, San Diego, CA.

NAAGL
October 28th-30th in Hyatt Regency New Orleans.

AAPL 10TH Annual Conference
November 7th-9th in Caesers Palace, Las Vegas NV.

UTA – United Trustee Association
November 10th-12th in Green Valley Ranch Resort.

Sharing Expertise Through Education and Outreach

Affiliations

We are excited to be affiliated with these industry organizations:

CMA-logo
UTA-logo
NAGGL-logo
CCUCC-logo
BBB-logo
SAMA-logo
CMBA-logo
ATA-logo

Our Offices

California Silhouette WhiteCalifornia Silhouette
California
Arizona Silhouette WhiteArizona Silhouette
Arizona

CALIFORNIA OFFICE:

Total Lender Solutions

10951 Sorrento Valley Rd, Ste 2F
San Diego, CA 92121

866.535.3736
858.630.5570 (fax)

info@totallendersolutions.com

ARIZONA OFFICE:

Tolesoaz Corp
dba Total Lender Solutions

One West Deer Valley Road,
Suite #103
Phoenix AZ 85027

623.581.3262

info@totallendersolutions.com

Randy S. Newman
Designated Broker
License #BR663002000

Our Offices

California Silhouette WhiteCalifornia Silhouette
California
Arizona Silhouette WhiteArizona Silhouette
Arizona

CALIFORNIA OFFICE:

Total Lender Solutions

10505 Sorrento Valley Road, Ste 125
San Diego, CA 92121

866.535.3736
858.630.5570 (fax)

info@totallendersolutions.com

ARIZONA OFFICE:

Tolesoaz Corp
dba Total Lender Solutions

One West Deer Valley Road,
Suite #103
Phoenix AZ 85027

623.581.3262

info@totallendersolutions.com

Randy S. Newman
Designated Broker
License #BR663002000

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LET US HELP YOU WITH YOUR FORECLOSURE PROCESSING

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..

You have Successfully Subscribed!

LET US HELP YOU WITH YOUR FORECLOSURE PROCESSING

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.

You have Successfully Subscribed!

LET US HELP YOU WITH YOUR DOCUMENT PREPARATION

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.

You have Successfully Subscribed!

LET US HELP YOU WITH YOUR UCC SALES

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.

You have Successfully Subscribed!

LET US HELP YOU WITH YOUR RECONVEYANCE

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.

You have Successfully Subscribed!

LET US EDUCATE 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.

You have Successfully Subscribed!