Private Loan Servicing · Southern California
You fund them. We collect.
Simple and Direct.
We service your Bridge Loan from boarding to payoff.
Peace of mind, transparency, and efficiency for individual investors, private lenders, hedge funds, and investment companies. California-licensed brokerage on file.
Compliance-First
Civil Code §2924, HBOR, RESPA, and TILA baked into every workflow
GAAP-Aligned Reporting
Monthly statements your CPA, fund admin, and auditor will accept
48-Hour Demand Turnaround
Payoff demands and beneficiary statements out the door fast
DSI at a Glance
Direct Servicing Initiative — the short version
Direct Servicing Initiative (DSI) is a California-licensed private money loan servicer headquartered in West Covina. DSI takes over after a private lender, hard money lender, or mortgage broker closes a loan, then handles the entire post-close lifecycle: payment collection, segregated trust accounting, investor distributions, RESPA/TILA-compliant reporting, default workouts, and final payoff or reconveyance.
- What is DSI
- A California-licensed private money loan servicer of record — boarding through payoff.
- Where
- Headquartered in West Covina, California. Serving Southern California (LA, OC, IE, San Diego).
- Founded
- 2024, by Frank Williams, CCIM (DRE# 01979442 / NMLS# 1858674).
- What DSI does NOT do
- DSI does not originate loans, broker loans, or solicit borrowers. DSI is the servicer of record, post-close.
Who We Serve
Trusted by the Private Lending Industry
DSI provides tailored servicing solutions for every participant in the private lending ecosystem.
Individual Investors
Private Money Investors
Investment Companies
Private Money Brokers
Hedge Funds
What We Do
Full-Spectrum Loan Servicing
From the moment a loan closes to its final payoff, DSI manages every step with precision, compliance, and transparency.
Why DSI
The Standards. The Proof.
Six commitments we live by — and the operational evidence behind each one.
A Named Account Manager
Every client gets a dedicated account manager with a direct line — and Frank Williams on the escalation path. No ticket queues.
48-Hour Demand Turnaround
Payoff demands, beneficiary statements, and demand letters target sub-48-hour turnaround with per-diem interest grids included.
Tax Docs by January 31
1098s and 1099-INTs delivered to investors and borrowers before January 31, every year — locked December 28.
GAAP-Aligned Statements
Monthly statements your auditor will accept. Direct read access for auditors and fund admins during fieldwork.
California-Native Compliance
Civil Code §2924, Homeowner Bill of Rights, SB91, RESPA, and TILA are the baseline — not a customization. Built by California-licensed brokers.
Segregated Trust Accounting
Escrow, impound, and investor funds held in segregated trust accounts. Audit-trail receipts on every distribution. Never commingled.
Testimonials
Trusted by Lenders & Investors
“We were running our servicing on spreadsheets and a trust-ledger workbook. DSI took our investor packet cycle from three days to one click — and our RESPA exposure dropped overnight.”
Private Money Lender
Los Angeles, CA
For Investors
Reporting your CPA won't apologize for
Self-directed IRAs, fractionalized first-trusts, fund SMAs, family-office mandates — DSI runs the servicing math and the tax docs that sophisticated investors expect on private notes.
See the Investor ExperienceSDIRA-Compliant
Distributions routed to Equity Trust, Quest, Madison, and other custodians with correct coding
Fractional Notes
Pro-rata distributions to the penny — three investors on one note or thirty
K-1 Supporting Schedules
Loan-level detail your fund admin and auditor will accept on first review
Tax Docs by January 31
1098s and 1099-INTs locked December 28 — file your return on time, every year
How It Works
The DSI Servicing Lifecycle
Four stages. Each one with a published SLA — not a wish.
Boarding
48 hours from complete doc package
Loan boarded, trust account funded, borrower welcome packet sent under RESPA Section 6, payment schedule and broker-fee disbursement rules configured.
Active Servicing
Same-day funding visibility on ACH
ACH collections, segregated trust accounting, automated SMS + email alerts with TCPA-compliant opt-in, real-time payment tracking, proactive late-payment outreach.
Reporting & Compliance
1098s + 1099-INTs delivered before January 31
Monthly GAAP-aligned investor statements, K-1 supporting schedules for fund SMAs, audit-trail documentation, state regulatory filings, year-end tax package locked December 28.
Resolution & Payoff
Demand statements turned under 48 hours
Payoffs, reconveyances, and workouts handled end-to-end — modification structuring, NOD/NOS prep, bankruptcy proof-of-claim packages, REO transition support.
Our People
A Family-Run Team You Can Reach
DSI is purpose-built around relationship servicing. Every loan, every investor, every borrower — handled by a small, accountable team that picks up the phone.
Frank Williams
Principal
Karla Banuelos
Account Manager
Erendira Cabrera
Operations Support Specialist
Sas Brosas
Front Desk Coordinator
Cindy Adlawan
Executive Operations Coordinator
Kristle Alcuizar
Administrative Research Specialist
Ivy Verdad
Financial Operations Manager
FAQ
Frequently Asked Questions
Get in Touch
Ready to simplify your loan servicing?
Whether you're an investor seeking transparency or a lender looking for a servicing partner, we're here to help. Every inquiry gets a response within 24 hours.