Our Services

Origination and Default Services

Our decades of experience supporting national lenders and servicers give us the unique ability to provide customizable origination and default solutions tailored to meet the needs of our clients. Our clients find a partner in Orange Coast they can rely on to deliver the service their customers deserve. Our highly trained employees are some of the best in the business, and we are proud to be trusted by so many.

Trusted Solutions for Origination Services

At Orange Coast Lender Services, we aim to meet the needs of our clients and their customers by offering a suite of products unique to their business line. With our extensive industry knowledge we are able to provide customizable workflows to offer an unparalleled closing experience which provides for scalability due to market trending. Speeding up the transaction timeline, our Instant Title Engine allows for delivery of title reports in certain areas in hours versus days. Here at OCLS, we have a comprehensive network of qualified signing agents and attorneys, which allows us to provide a local touch ending in a seamless transaction. We offer client dedicated teams with a central point of contact to eliminate the need to manage multiple parties involved in the transaction. This provides our clients with a more streamlined approach to the title and closing process all while enhancing the customer experience. With proven success in our methods of closing we are committed to providing the level of service your customers expect.

Home Equity
Private Wealth Management

Refinance Services Offered

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.


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

Purchase Services Offered

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.


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

Private Wealth Management Services Offered

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.

Trusted Solutions for Default Servicing

Orange Coast Lender Services is committed to providing Investors and Servicers with a full range of default solutions. Our centralized service provides an End-to-End solution which helps reduce loss mitigation, foreclosure and REO transaction costs and timelines.

Orange Coast is your single source for all default transactions related to loan modification, deed-in-lieu, short sale, bankruptcy, foreclosure, and REO title and close. By offering a full range of default services, we eliminate the need to outsource key processes to multiple vendors, thus reducing overall costs, and creating efficiencies that exceed our customer's expectations.

Asset Management
Foreclosure Processing
Foreclosure Reports
Loss Mitigation
REO Title & Close
Short Sale Negotiations

Foreclosure Processing Coordination

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.

Bankruptcy/Eviction Coordination

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

Short Sale Negotiations

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

REO Title & Close

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

Foreclosure Title Reports including multiple product 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.

Loss Mitigation Services

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.


Orange Coast Lender Services provides a full Deed-In-Lieu management service by providing a single point of contact throughout the process.

Asset Management

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

Local Market

OCLS is here to serve the local real estate market. Whether you are an independent agent or work in a broker agency, in the true spirit of partnership we can help you achieve your goals and grow your business.

We service both purchase and refinance transactions, offering you a timely, issue-free closing process. We always strive to provide the best service and are devoted to providing the tools to make real estate easier for the agents and the buyers and sellers that they serve.

Contact our reps to arrange for a title quote with no hidden fees

Our notaries are on-staff and you can schedule closings at your location or our office.

Commitment to Service since 1974

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