Services

Delinquent loans are defined as mortgage loans that are 30 days or more past due, but not in foreclosure, and are included in the delinquency rate for a company's overall loan portfolio. A high delinquency rate can have a negative impact on the company's financial performance. Let Royal American Financial sell a group of those delinquent loans in the secondary market to improve your delinquency rate and increase your operating cash. More Info...

Mortgage loans not saleable to FNMA, FHLMC, or within the normal whole loan and securitization markets are grouped into a category called 'Scratch & Dent' loans. This group may include under-performing, re-performing, documentation deficient, and/or credit deterioration loans. Let Royal American Financial procure an investor interested in your Scratch & Dent portfolio of loans at a favorable price. More Info...

A Non-Performing Loan (NPL) is a loan in default or close to default and has negative impacts (reduces income and increases risk of loss) on profitability. One of the potential executions for managing NPLs is to sell NPLs to other banks or investors. Let Royal American Financial locate an investor interested in buying your Non-Performing Loans resulting in increased income to your bottom-line. More Info...

Distressed Loans are loans where the borrower does not have the financial capacity to pay according to its terms and may include loans which are delinquent or in foreclosure. As with NPLs and S&D loans, let Royal American Financial assist with liquidating your portfolio of distressed loans resulting in increased income and reduced risk of loss for your company. More Info...