Tt Lender Solutions Co Sales Presentation[1]

Helping you achieve greater success in your portfolio

restructuring

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We Immediately Expand Your Team

TT Lender Solutions works with your staff to implement custom solutions

for any portfolio restructure or loss mitigation

challenge you may have.

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We Add Value to Your Existing Team• Extensive & diverse management experience

– Well-versed in industry-related laws, regulations and practices

• Comprehensive services nationwide• Use proven process flow techniques – with no

reputation risk • Improve cash recovery on non-performing loans • Review each scenario and offer recommendations

and solutions directly to the lender • Partner with top specialist organizations in the

industry• Excellent record of borrower relations

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Services Provided

• Portfolio restructure and exit strategies• Construction/Permanent lending

management • Construction loan loss mitigation• Construction management • Purchase of REO Properties• Portfolio due diligence • National Title and Settlement services

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Portfolio Restructuring and Exit Strategies

• We have an effective process for all loan scenarios– Current loans– Delinquent loans– Fixed and adjustable loans

• Flexible and fully compliant underwriting guidelines through our lender partners

Overview

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• Loan Level Due Diligence– Refinance exit strategy analys is– Extensive review before initiating borrower contact

• Efficient Short Refinance Process– Facilitation and negotiation of lender concess ions– Subordination and modification of existing mortgage

• Borrower contact for both sales and fulfillment• Solutions to Three Major Impediments

1) Title issues 2) Communication delays 3) Tight underwriting guidelines

• Loan Modification

Services

Portfolio Restructuring and Exit Strategies

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Construction Lending Management

• Strong background in all aspects of construction-to- permanent lending

• Loan administration and disbursement services covering the entire process from builder review through loan modification

Overview

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• High service quality with extensive experience• Smooth processing with TCL servicing

software• Risk reduction with tight integration to TTLS

loss mitigation services• Early loss mitigation intervention

– Custom predictive risk modeling– Constant portfolio monitoring

• High rate of property completion with construction management services for stalled projects

• Tight integration with national title services

Construction Lending ManagementServices

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Construction Loan Loss Mitigation

• Highly experienced in loss mitigation strategies

• Ability to deliver high recovery and velocity of return for defaulted mortgage loans

• Provide solutions for default/non-performing loans

• Licensed debt collector • Knowledgeable even in the most challenging

files• Team versed in diplomacy and creativity

Overview

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• Loan Counseling Services– Negotiate and resolve borrower/builder issues– Restart construction and facilitate project completion– Negotiate lot loan conversion– Loan restructure, including short-sale if required– Negotiate deed in lieu with or without borrower

contribution– High success rates of contacting borrower and achieving

responsiveness and cooperation • Modification Facilitation

– Mobile notaries local to borrower for on-site contact or signing –

– Negotiation and preparation– Manage the execution of loan modification documents

Construction Loan Loss MitigationServices

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TT Lender Solutions

Builder

Consumer

-SubContractors

/ Banks Lenders

CP Loss Mitigation In Summary

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Construction Management

• Turn partially completed construction projects rapidly into cash

• Provide analysis of best recovery options– Abandon project for resale as raw land– Sell “ as-is ” – Build out and sell as completed home

• REO purchase options through investor channels

Overview

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Construction Management

• Project Analysis– Zoning and permitting review and analys is– Market and value review and analys is– Contractor Review– Review of original plans, specs, cost breakdown– Review of construction stage and city/county inspection

status• Budget Analysis and Build Out

– Acquire and analyze contractor bids for completion– Hire new GCs or engage subcontractors directly– Track progress, issue disbursement authorization to

lender• Project Abandonment

– Coordinate demolition– Listing and sale services

Services

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REO Services

• Maximize return • Services to REO investors• Services to REO portfolio managers

– Specialized management team to source investors• Complete REO• Partially-Complete REO

Overview

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Purchase of REO Properties

• Process for Complete or Partially Complete Purchase of REO– Due Diligence

• Review available properties• Identify properties fitting investor

characteristics• Review loan file• Acquire updated property inspection

– Offer and Settlement• Investor group offer not contingent on

financing• Settlement within 30 days

Services

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National Title and Settlement Services

• Nationwide coverage• An innovative and streamlined process for

portfolio restructuring

Overview

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National Title and Settlement Services

Breakthrough process that solves three impediments to portfolio restructuring– Title Issues– Communication Delays– Overly Restrictive Underwriting Guidelines

Services

Earning Your Trust Through Excellence