With our experience in the industry and our state-of-the-art technology, we are able to provide refinance title and settlement services that will offer streamlined closings with a customer-first approach. At OCLS, we offer seamless integrations and a web portal to ensure you receive transparent information and current updates to meet your mortgage lending needs and that of your customers.

Products and Services Offered

• Streamlined Title
• Simple, Short Form Commitment and Policy
• Commitment delivery in 24-48 hours in most states
• Dedicated underwriting
• State-of-the-Art Rate Calculator for fast, simplified loan estimates
• Fully integrated with RealEC and Encompass
• Multiple closing options to include; Mobile notary, Attorney, Multilingual, International, eClosing, Hybrid and RON
• Comprehensive Post-Closing audit with less than 5% county rejection rate
• National Recordation in 30 days or less; e-Recording

We streamline the Home Equity Title Insurance process through the utilization of various title products. While customizing those products, we meet the specific requirements of our lender customers based on the specific loan types.

We are confident that through our various home equity solutions, your needs will be met based on your risk mitigation, cost control, and regulatory requirements.

Products and Services Offered

• Uninsured and Insured Title Reports
• Scheduling of closing appointment within 1 hour of request
• Multiple closing options to include Mobile notary, Attorney, Multilingual, International and eClosing, Hybrid and RON
• Post-closing document audit to verify proper execution
• Funding Services to include receipt of funds into escrow account, and disbursement of payoffs, liens and borrower proceeds
• National Recordation
• Flat-Rate Pricing

Whether you are purchasing or selling a home, Orange Coast Lender Services has a solution to suit your needs. Our experienced team of title and closings professionals are trained in the local intricacies of your marketplace to provide for a smooth and seamless closing experience. We offer multiple closing options to include Mobile notary, Attorney, Multilingual, International, eClosing solutions.

Products and Services Offered

• Comprehensive Title
• Full Title Commitment delivery in 48-72 hours in most states
• Low filed title rates
• Dedicated underwriting
• Dedicated client teams
• Disbursement within 2 hours of wire receipt or funding authorization
• Comprehensive Post-Closing audit with less than 5% county rejection rate
• National Recordation in 30 day or less; e-Recording

Orange Coast Lender Services offers a first class, personalized, and exclusive solution for our high net-worth individuals, families, businesses, trusts and private foundations. Our comprehensive services are tailored to meet the needs of your Customers. As part of our solution, we offer a dedicated team of highly experienced staff that will act as the central point of contact. Our team of professionals will be with you throughout the Title and Closing process.

We expedite all orders through the title process, curative, and title tools on a specific property to locate the open Reverse and HUD mortgage(s) filed concurrently, along with any assignments. We provide national, knowledgeable, notary services to attend mobile appointments at any location / time that is convenient for the customer.

Products and Services offered:

• Title summary page provided with title bundle to simplify Title
• OCLS will customize the process to suit our client needs and services upon request
• We offer affordable title fees which save your borrower's money.
• Full mortgage copies provided
• All assignments recorded against the mortgage(s)

OCLS is driven to provide quality customer service on all products, and we are honored to handle the Reverse Mortgage transactions for our valued clients.

Asset management services include eviction and "cash for keys" coordination of property preservation activities.

These activities include

• Providing property inspections.
• Obtaining repair bids and property valuations.
• Coordinating all other activities necessary to the successful disposition of the REO asset, while minimizing the client's holding time.

We provide bankruptcy coordination including Motions for Relief from Stay, Proofs of Claim, and bankruptcy-related evictions.

Our default team offers services that include the monitoring of judicial foreclosure actions and the processing of non-judicial foreclosure actions, tracking required timelines and monitoring foreclosure-related expenses until a sale is completed.

We have a national network of experienced attorneys, agents and appraisers that can provide accurate and timely services including; default related legal services, full property reports, interior and exterior Broker's Price Opinions (which include property and neighborhood conditions and cost-to-cure estimates to help obtain fair market value), full and drive-by appraisals, and field and desk appraisals for multi-family, mixed-use and small balance commercial, SFR and condo.

Options

• Thirty-Year & Two-Owner Searches 30 year property report to include: property tax information, priority of subject mortgage, liens, encumbrances, and judgments, current owner of record, bankruptcy case status, and parties requiring foreclosure notification. Two-owner search to include a search from the present owner of record back in the chain of title two owners, or back to the deed into the foreclosed owner.
• Trustee Sale Guarantee Reports The Trustee Sale Guarantee provides all the information needed to facilitate the non-judicial foreclosure action.
• Litigation Guarantee Reports This product was designed for attorneys for litigation in connection with Quiet Title actions, partitions, or other matters of litigation or judicial foreclosure action or other various actions relating to liens or assessments.
• Examination and Title Grading of the Foreclosure Title Report We provide a graded commitment at the time of Foreclosure, which helps identify curative issues early-on.
• Title Curative Services We have experienced dedicated title examiners that understand the Foreclosure & REO Curative process and assist with severe title issues.
• Customer service team dedicated to your Foreclosure Attorney Network We have a dedicated client team that brings over 50 years of combined experience to the default title and closing process.

Standard Foreclosure Title Report

The Foreclosure Title Report searches back through thirty years and provides information on the public records necessary to conduct a foreclosure.

Trustees Sales-Foreclosure Guarantee

Provides all the information needed to facilitate the foreclosure action.

Asset management services include eviction and "cash for keys" coordination of property preservation activities.

These activities include

• Loan Modification Title and Closing services Our products and services support servicer and lender operations that are engaged in loan modifications. Our interactive document generation portal will provide you with the opportunity to generate documents on-demand, and our variety of solutions are tailored to meet your needs while adhering to strict timelines during the loan modification process.
• Deeds-In-Lieu Orange Coast Lender Services provides a full Deed-In-Lieu management service by providing a single point of contact throughout the process.

We are a highly experienced, client dedicated team providing REO Title and Settlement Services as part of our end-to-end solution. Our staff has a deep knowledge of the default cycle and is able to create a solution to reduce your overall cycle time minimizing costs.

Our REO Title and Services include:

• REO Title delivery
• Dedicated and Experienced Default Underwriter
• Experienced Title Curative Staff
• Lien Negotiations
• Purchase and Sale Contract Review
• REO Closing

Our team has negotiated numerous short sales on behalf of realtors and lenders by obtaining and presenting offers and documenting related agreements.