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 HomeBuy/Sell Loans     November 28, 2015  
Loan Servicing
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If you want to Buy/Sell Performing Loans, Non Performing Loans, or Newly Originated Loans that are secured by real estate, FCI has an unusually wide range of experience in this area from individual notes to large multi million dollar portfolio transactions.

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.  Residential
.  Commercial
.  Land
.  Construction
.  Manufactured housing

Newly Originated Loan: A Loan of any type that has just been made and just closed. The originating Broker/Company may have funded the Investor in at the closing, or the Broker/Company may have funded the loan themselves and will assign (or sell) the note to an Investor later. The originating Broker/Company may have a Note Rate and a Sold Rate. For example the note was originated at a Note Rate of 12% and is being sold to the Investor at a Sold Rate of 11% with the Broker/Company keeping 1% as additional monthly compensation (also known as a “Spread”). The Broker/Company will typically continue to monitor the loan through the servicer, and provide guidance to the investor.

Performing Loan: Any loan that is current, one or two months delinquent, according to its original or modified terms.

Non Performing Loan:Any loan that is three months or more delinquent. The known situation for each loan should be disclosed.

Loan Pools: A group of loans that may be Performing, Non Performing or mixed. The situation for each loan in the pool should be disclosed.


Since many of our clients also want to Buy/Sell loans, we are in a position to help Buyers and Sellers get together. Simply go to FCI Exchange where you can list your real estate secured Loans for sale and thousands of potential buyers can see them. FCI Exchange is the nation’s leading trading platform for all types of real estate secured loans.

Whether you buy Performing Loans, Non Performing Loans, or Newly Originated Loans FCI can be your designated servicer for the purchase. If the loans are already serviced by us, the servicing continues after the purchase with no disruption to the borrower.

If you buy Non Performing Loans, our Specialty Loan Servicing department is designed to effective turn delinquent loans and loan pools into cash. FCI is one of the oldest Specialty Servicers in the country. We also offer pre purchase evaluation to assist in analyzing the purchase and determining value.

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