Our Services
End-to-End Loan Servicing Solutions
From the moment a loan closes to its final payoff, DSI manages every step of the servicing lifecycle with compliance, precision, and complete transparency.
Loan Servicing
Full lifecycle servicing of record — boarding through payoff. ACH collections, segregated trust accounting, investor distributions, and California-grade compliance built in.
Discuss This ServiceCapabilities
- 48-hour loan boarding from complete document package
- ACH collection with same-day funding visibility
- Segregated escrow & impound trust accounting (no commingling)
- Automated borrower alerts via SMS + email with TCPA-compliant opt-in
- Demand statements and payoff packages turned in under 48 hours
- Investor distribution calculations on pro-rata, fractionalized, and whole-note structures
- 1098s and 1099-INTs delivered before January 31, every year
- Monthly investor reporting with full audit trail
Processing & Documentation Services
Loan-file integrity from origination handoff through final reconveyance. Compliance review, recording coordination, and regulatory filings handled at the document level.
Discuss This ServiceCapabilities
- Loan file audit against TILA, RESPA, and California §2924 requirements
- Recording and title coordination with county recorders and title officers
- Hazard, flood, and force-placed insurance tracking
- Property tax monitoring and impound disbursements
- Lien position monitoring with payoff demand support
- Digital document vault — full chain of custody, indexed, instantly retrievable
- State-specific licensing and regulatory filings
- Borrower file change management (assumptions, modifications, beneficiary updates)
Non-Performing & Distressed Loan Services
Workout, default, and disposition coordination — built around California Civil Code §2924, the Homeowner Bill of Rights, and the realities of private-money default.
Discuss This ServiceCapabilities
- Early-stage delinquency outreach and cure plans
- Loss mitigation: forbearance, repayment plans, and modification structuring
- NOD (Notice of Default) preparation and trustee coordination
- NOS (Notice of Sale) and trustee sale support under California §2924
- Bankruptcy support: automatic stay tracking, proof-of-claim packages, post-discharge servicing
- Short sale and deed-in-lieu facilitation
- REO transition: post-sale accounting, asset handoff, broker coordination
- Investor communication throughout — every event, every status, on the record
FAQ
Servicing FAQs
What is the difference between loan servicing and loan origination?
Loan origination is the process of creating and funding a new loan. Loan servicing begins after the loan closes — it includes collecting payments, managing escrow, providing borrower communication, investor reporting, and handling defaults or payoffs. DSI focuses exclusively on the servicing side.
Can DSI service loans originated by any lender?
Yes. DSI services private money loans regardless of which lender or broker originated them. We handle the complete data migration, borrower notification, and system setup during onboarding.
How does DSI handle late payments?
DSI uses a systematic approach: automated SMS and email reminders before the due date, grace period enforcement per loan terms, late fee assessment, and escalating contact protocols. If a loan becomes delinquent, our distressed asset team takes over with loss mitigation and workout strategies.
Does DSI handle foreclosures?
Yes. DSI provides full foreclosure coordination including default notice preparation, attorney and trustee coordination, timeline management, borrower communication, and REO transition support. We also explore alternatives like loan modifications, short sales, and deed-in-lieu before proceeding with foreclosure.
Need a custom servicing solution?
Every portfolio is unique. Let's design a servicing program tailored to your specific requirements.
Schedule a Consultation