Service, Honest, & Loyalty!!!

Goodview Realty & Financial 


Direct: (408) 621-9920

FAX: (408) 228-5186
DRE License Number: 01200662



2350 Mission College Blvd., Suite #240
Santa Clara, CA 95054


Santa Clara County loan service is the process by which a mortgage bank or subservicing firm collects the timely payment of interest and principal from borrowers. The level of service varies depending on the type of loan and the terms negotiated between the firm and the investor seeking their Santa Clara County loan service.

Santa Clara County loan service became "far more profitable during the housing boom", and servicers targeted borrowers "less likely to make timely payments" in order to collect more late fees.

Santa Clara County loan service is normally compensated by receiving a percentage of the unpaid balance on the loans they service. The fee rate can be anywhere from one to twenty five basis points depending on the size of the loan, whether it is secured by commercial or residential real estate, and the level of service required.

The net present value of the flow of payments received from servicing less the expected costs to servicers creates an asset which remains on the balance sheets of servicers. Since in refinancing periods loans are often quickly prepaid and hence servicing fees cease, the value of these assets is extremely volatile.

 


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