What is non-performing mortgage investment?

Non-performing mortgage investment involves acquiring loans where borrowers have stopped making payments, typically at a discount to face value. Investors like First Lien Capital purchase these loans from banks and servicers, then work to resolve them through loss mitigation, modification, or REO disposition.

How do I choose a distressed mortgage asset manager?

When selecting a distressed mortgage asset manager, look for a proven track record, national servicer relationships, in-house loss mitigation expertise, and transparent governance. First Lien Capital manages 700+ loans across 30+ states with institutional-grade servicer surveillance.

What is loss mitigation servicer oversight?

Loss mitigation servicer oversight is the active monitoring of mortgage servicers to ensure they execute loss mitigation strategies effectively on behalf of loan owners — reviewing performance, enforcing timelines, and evaluating workout options. First Lien Capital works with FCI Lender Services, Planet Home Servicing, and Statebridge.

How does non-performing loan servicing oversight work?

NPL servicing oversight places a qualified asset manager between the loan owner and servicer to review reports, monitor timelines, approve workout decisions, and ensure compliance with investor guidelines.

About Us

Integrity

First Lien Capital, a mortgage and real estate investment platform focused on establishing a new relationship between investors and borrowers through the creation of win-win resolutions to sub-performing, non-performing mortgages on residential and commercial real estate.

Flexibility

First Lien is a privately owned, independent equity structure where senior partners are involved in the day-to-day management of the firm. This allows First Lien to focus entirely on the needs of our clients or counter parties and fosters trust and alignment of interests between borrower and lender. We have shifted numerous paradigms in our industry, creating flexible options in mortgage servicing.

Experience

We provide a range of advisory and investment solutions to partners that are long-term oriented and whose objective is to make our Earth a better place for humans. Our Founders possess a core competence in all asset classes of real estate, asset management, portfolio servicing oversight, and mortgage finance with decades of connections in both in traditional and secondary markets.

Expertise

Servicer Surveillance

First Lien Capital has differentiated itself by providing comprehensive oversight to loan servicers and vendors in the distressed mortgage industry.

Existing relationships with a majority of servicing institutions

Proprietary technology to efficiently manage and communicate

We manage trees where others manage forests

Key techniques in the resolution of NPL portfolios

Asset Management

We offer customized asset management strategies for our clients to help transform their portfolios.

Key perspectives on how to make assets perform

Relationships with trust servicers and custodians

Property Preservation and REO Liquidation

In-house legal oversight of outside counsels

Loss Mitigation

First Lien provides value-added third-party loss mitigation services to sub-performing real estate loans.

Coverage throughout the United States

Door knocking and other Enhanced techniques

Specialists in creating Win-Win solutions

Liaison between servicer and borrowers

Investment Management

First Lien Capital LP adheres to the highest standards of due diligence and compliance

Fund Administration by Theorem Fund Services

Custody Services by Millennium Trust Company, U.S. Bank National Association, Wilmington Trust, National Association

Annual auditing and transparent reporting

Mortgage Servicing by FCI Lender Services, Inc., Planet Home Servicing, Statebridge Company

Who We Serve

Relationships Return Results

A Message From Our Founder

We are committed to serving our partners with insightful knowledge and with better business practices that will achieve ultimate asset performance and returns outsizing your expectations. If you are borrower, it is our goal to achieve win win resolution to any situation you may find yourself in.

Bill Bymel, CEO & Chairman — Author of Win Win Revolution and host of the Debt Doctor podcast.

Bill Bymel, Founder, CEO and Chairman of First Lien Capital

Investment professional reviewing portfolio data on a laptop

Our extensive track record and impeccable reputation has resulted in long standing relationships with top investors and service providers throughout the industries we operate in.