For Lenders
You originate. We service of record.
Private money lenders, hard money funds, and broker-dealer originators hand DSI the post-close lifecycle — trust accounting, investor distributions, RESPA/TILA-grade compliance, demand turnaround, and workouts when loans go sideways.
What Lenders Actually Hire Us For
Four Problems, Four Patterns
The structural problems that turn a small private-lending operation into a compliance and ledger nightmare — and DSI's operational answer to each.
Trust Accounting Without Liability
The pain: Commingling investor funds with your operating account is a CA Finance Lenders Law issue and a fund auditor red flag.
DSI: DSI holds all escrow, impound, and investor distributions in segregated trust accounts. Reconciled monthly. Reports delivered straight to your auditor.
Broker Fee Disbursements at Payoff
The pain: When a payoff includes broker points, mortgage broker fees, or referral splits, manual disbursement creates 1099 exposure and ledger errors.
DSI: DSI's payoff workflow calculates and disburses broker fees, points, and referral splits automatically — with a clean audit trail and 1099-NEC reporting at year-end.
White-Label Without Losing the Borrower
The pain: You closed the loan. Your borrower thinks they're paying your company. A generic servicer's letterhead breaks the relationship.
DSI: DSI provides white-label borrower statements, payment portals, and demand letters branded to your firm — your borrower never sees DSI; you keep the brand.
RESPA + TILA on Owner-Occupied
The pain: Owner-occupied consumer loans trigger TILA, RESPA, ATR, and state-specific consumer protections most private-money servicers handle wrong.
DSI: DSI runs a separate workflow for consumer loans: TRID disclosures, RESPA Section 6 acknowledgment, periodic statement requirements, and Homeowner Bill of Rights compliance — handled, not flagged.
Getting Started
From Discovery Call to Live ACH in Under Two Weeks
A four-step path that respects your timeline and meets RESPA Section 6 servicing transfer requirements end-to-end.
Discovery Call
We map your portfolio: loan types, volume, investor structure, owner-occupied vs. business-purpose mix, and any active workouts. Frank takes this call personally.
Servicing Setup
Trust accounts opened in your name. Payment schedules, broker disbursement rules, fee structures, and white-label templates configured. Compliance review of every loan file.
Boarding & Migration
Loans boarded in 48 hours from complete docs. Existing loans: full data migration with borrower notification packets per RESPA Section 6 servicing transfer rules.
Go Live
First ACH cycle runs on schedule. First investor reports delivered the following month. Your account manager calendar shows weekly check-ins for the first 90 days.
What You Get
An operations partner, not an outsourcer
DSI is sized for private lenders — not a 50,000-loan call-center book. That means your portfolio gets named attention, your borrowers stay with you, and your investors see institutional-grade reporting.
- Originate more — your back office grows without hiring
- Investor reporting your CPA and fund auditor will accept
- Trust accounting that keeps you on the right side of CFL and RESPA
- Workout team for distressed loans — modification through trustee sale
- Same-day demand turnaround for refis and dispositions
- Named account manager + direct line to Frank Williams
Standards We Publish to Lenders
DSI is operated as a California-licensed brokerage in West Covina with Juan N. Williams (DRE# 01115216) as Broker of Record — not a third-party tech vendor.
FAQ
Lender Partnership FAQs
How long does it take to onboard as a lending partner?
The typical onboarding process takes 1-2 weeks. This includes a discovery call, system configuration, data migration of existing loans, and go-live activation. Individual loan boarding takes as little as 48 hours.
Can DSI integrate with our origination platform?
Yes. DSI supports integration with major origination platforms for automatic loan boarding. We can receive loan data electronically, eliminating manual data entry and reducing boarding errors.
Does DSI offer white-label servicing?
Yes. DSI can provide white-label servicing where borrower communications and statements are branded with your company identity. This allows you to maintain brand consistency while outsourcing the operational work.
What does DSI charge for servicing?
DSI offers transparent, competitive fee structures based on portfolio size, loan volume, and service requirements. Contact us for a custom quote — we structure pricing to align with your business model.
Ready to hand off the back office?
The first call is with Frank. We'll map your portfolio, identify the compliance gaps, and quote a servicing program in writing.
Schedule a Discovery Call