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Capital Benefit offers loan servicing for the private investor. We service all privately funded loans and seller carried loans (seller carry back/seller financed).
Capital Benefit utilizes the latest in loan servicing software and technology to service your loan. Together with our experience and servicing skills, we offer an unbeatable solution to your loan servicing needs. We provide convenient, real-time online access to your Loan Portfolio through any web browser and our iPad app.
Lender distributions are scheduled twice per month on the 1st and 15th. Investors may choose electronic deposit of funds (ACH) or conventional checks. Monthly account reports which detail all account activity are mailed out on the 1st of every month. A year-end report details and summarizes all yearly activity.
Competent loan servicing becomes even more valuable when the borrower does not pay. Our experienced team will handle all collection efforts. A series of notices and collection phone calls will be initiated as the borrower becomes late and then increasingly delinquent. If necessary, on your approval, a notice of intent to foreclose will be sent and eventually a notice of default will be recorded. We handle all steps of the foreclosure process. Knowledgeable and dedicated loan servicing will greatly improve the borrower’s performance and minimize delinquencies.
Enjoy peace of mind knowing the critical obligations of the borrower, which affect your lien, are being met. Property tax payments need to be monitored as defaulted property taxes can bring the property to tax sale. If you have a junior lien, knowing the status of payments to the senior lien(s) is critical as a foreclosure by the senior lien could wipe out your loan. Also, assuring that the property insurance (fire / hazard) policy is current and has not been canceled is vital. We can provide the services to monitor continuous coverage.
You have enough to do at the end of each year. Let us handle IRS 1098 and 1099 interest reporting.
When we receive a payoff request, we produce the demand and forward it to you for your approval. Once the loan is paid in full we provide a recorded reconveyance.
Borrowers receive a coupon book and/or a monthly statement with a tear sheet to send with the payment. We will send a welcome letter to the borrower to transition the servicing of the loan.
Disclosure: These executive summaries should not be used to make investment decisions. This page simply lists available California trust deed investments – presented for the purpose of helping you select opportunities that meet your personal investment goals. Upon request, we will provide you with a complete “due-diligence investor package”. This package includes, but is not limited to: lender purchaser disclosure statement, preliminary title report, loan application, certified appraisal, lenders instructions, copy of note, copy of deed of trust, credit report, income verification, truth-in-lending, hazardous materials certificate and indemnity agreement, agreement to procure a loan & lender-borrower escrow instructions, multiple lender addendum to lender purchaser disclosure statement, purchaser disclosure, loan servicing agreement, and fire insurance. Only after your review of all applicable documents and the decision that the investment is appropriate for you (and after you have read and understand the California Bureau of Real Estate’s “Trust Deed Investments – What You Should Know” guidelines) should an investment be made.
Quality Borrowers
Strict underwriting is focused on the borrower's ability to perform.
Risk Averse
Protect your investment with strong collateral.
High Yields
Diversify your portfolio with strong returns that fit your investment goals.
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CA Bureau of Real Estate: Real Estate Broker License #01876453
Nationwide Mortgage Licensing System ID 254002
California Properties Only