Churchill Associates, Inc. provides all the services required to meet all your needs and all aspects of trust deed and mortgage ownership. Churchill Associates is able to help at every step in the process from property acquisition to sale. Churchill Associates are experts when a borrower is in default on their loan payments. Our primary service is to help someone who owns or controls a trust deed or mortgage in the following ways:
California Non Judicial Foreclosure: Churchill Associates starts and finishes any non-judicial foreclosure in a professional and timely manner, no matter how complex the California, Nevada or Arizona transaction is or what type of property is involved. We are experts with residential, multi-tenant, apartments, commercial, industrial or any other form of real property used or secured for a trust deed or mortgage.
California Contingency Collection: Sometimes starting a foreclosure is not the best solution when the borrower is in default. There are many other options where the California lender and Nevada borrower can be satisfied. Churchill Associates, Inc. works on a contingency basas and will do whatever it takes legally to find an acceptable solution.. We don’t get paid unless you do. Some of the discussion areas we will have with the borrower subject to the lender approval would be the following:
California Discounting of the Loan: Offering a discount to the borrower for an early payoff of the loan is sometimes workable.
Restructuring the Loan: In California, Nevada and Arizona restructuring the loan to make it affordable to the borrower and acceptable to the lender.
Modify the Loan in California: Loan modification of all the loan that are secured by the property.
California Forbearance Agreement: Nevada and Arizona Loan forbearance acquisition where the lender allows the borrower to make reduced payments or no payments for a period of time.
California Deed-in-lieu: Deed-in-lieu of foreclosure whereby the borrower agrees to transfer the property to the lender without the neeed to go through the foreclosure process.
Sometimes the best solution for a borrower may be to sell the property with all of the lenders agreeing to receive a discount on the money owed them. It may be better for a lender to allow the SIDE of the property and receive a portion of the debt now and agree with the borrower for payments as the balance.
Federal Bankruptcy Resolution: When a borrower files for federal bankruptcy protection, the California foreclosure process must stop (federal automatic stay) until the court allows the process to continue or the bankruptcy is resolved. If the property lender does not do anything, many months may pass. Churchill Associates, Inc. can react quickly and relieve the lender of the problem so that the foreclosure process or other collection efforts can be completed.
California REO and Eviction Services: You will own the California, Nevada or Arizona property if the foreclosure process goes to auction or no one offers more than your opening bid. Once you are the owner, Churchill Associates, Inc. can work with you and help you rent or sell the property using our professional affiliations. Churchill Associates can also help with the eviction process if this becomes necessary.
California Senior Lean Bidding: Churchill Associates, Inc. can make sure you are involved at every step of the process relating to the foreclosure by a senior lien bidder. You will know of the sale date, any partial payments or continuance the opening bid and any other important information about the property.
California Property Valuation and Nevada Preservation Services: Churchill Associates and our expert affiliates can assure you of an accurate property valuation and preservation service to maintain the value of the property both before and after the foreclosure process.
California, Nevada and Arizona Title Services and Trustee Sale Guarantees: Churchill Associates can offer title service and trustee guarantees to anyone interested. These services will assure knowledge of any lien or encumbrance affecting a selected property.
Sell Your Loan: These are times when you may want to sell your loan, whether it is performing or not. We can help you sell your loan for the highest price available in the country. With our purchasing contacts on a national level, we can assure you a sale at the highest possible value.