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  Home     March 21, 2019  
 
Loan Servicing Programs
 
 
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FCI offers Loan Servicing programs designed to fulfill the varied needs of our Clients. FCI does not have a minimum number of Loans requirement. FCI is the Sub-Servicer acting at the direction of its Lender Clients (Owner of the Note).  




Standard Basic Loan Servicing is a high quality, structured program for servicing all types of Performing Loans (current, 1 or 2 months behind) and Newly Originated Private Money Loans at very competitive prices.  This is primarily a payment processing program which does include Late Notices, but does not include Collection Calls and Loss Mitigation services, except as is required for regulatory compliance. 
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High Touch Performing Loan Servicing program includes all the Standard Basic Loan Servicing features plus outgoing Collection Calls.  Also includes Regulatory Compliance Actions for Covered Loans (Dodd Frank: Primary Residence) at no additional servicing fee.

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Specialty Loan Servicing Full Collection program is specifically designed to address Non-Performing Loans (missed the 3rd payment) by facilitating the restructure of Loans per Lender directions, presenting Lender offered FPA's (Foreclosure Prevention Alternatives), or by providing Foreclosure Support if workouts are not possible.  It is staffed by experts at Skip Trace, Collection, Foreclosure Prevention Alternative workouts, facilitating Loan Modifications, and Foreclosures (as a last alternative).  

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Securitization Servicing & Full Servicing programs are Extended Servicing including Payment Processing, Escrows, High Touch Collection Calls, Advances, Loss Mitigation, Workouts, Foreclosure coordination, and REO Management. Full Servicing is the same program except the Loans are not in a Securitization.
There are two categories:  


a. Newly Originated, Performing, and Non-Performing Non-QM Loans: Typically comprised of Business Purpose, Fix & Flip, Draw, Bridge, and Construction Loans. Loans could be Newly Originated, Performing or Non-Performing.

b. NPL and Reperforming SFR QM: Typically comprised of released Government or Bank SFR Consumer (Owner Occupied) Loans. 

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