Default & Foreclosure Support
Default & Foreclosure Support: Know What Survives.
Priority, exceptions and curative before the referral.
When a loan moves into default, the title record needs a fresh look. Scalance helps lenders, servicers and investors research ownership, liens, foreclosure records and surviving interests, then organize the documents needed to move the file forward.
50-State Coverage
Research performed for the jurisdiction of record.
Priority-First
Lien priority and surviving interests reviewed before the referral.
Attorney-Ready Packages
Findings organized with the source documents behind them.
ALTA & SOC 2 Ready
Part of Scalance’s current service positioning.
The Default Is Only the Starting Point.
By the time a loan reaches foreclosure, the original title work may be years old. Ownership can change. Liens can be released or recorded. Assignments can be missing. Bankruptcy or litigation may have appeared since origination.
The question is not simply whether the borrower defaulted. It is what the record says now — and what counsel needs before the file moves forward.
Scalance handles the research and document workflow around that question, so lenders, servicers and investors can work from a current, organized file instead of rebuilding the record from scratch.
What Default & Foreclosure Support Covers
Find What Is Recorded Now
A foreclosure file starts with the current public record.
Scalance supports foreclosure and TSG searches, updated ownership searches and lien searches to establish the current position of the property and loan.
The work is performed for the applicable jurisdiction because foreclosure procedures, recording practices and lien priorities are not identical from state to state.
The output is organized around the records the client needs to review, with supporting documents available for the relevant findings.
Know What Survives Before the Referral
A foreclosure sale does not automatically remove every recorded interest.
Scalance researches lien priority and identifies recorded interests that may require attention before foreclosure. The review can include senior and junior interests, taxes and assessments, federal tax liens, HOA-related charges and other recorded exceptions that may affect the file.
The important distinction is that Scalance provides the research and supporting records. Counsel makes the legal determination about priority, enforceability and the effect of the foreclosure.
Give Counsel a File They Can Start With
A foreclosure referral should not begin with counsel asking the servicing team to locate the same documents all over again.
Scalance prepares the research and document package around the information needed to open the file. That can include current ownership and lien position, recorded instruments, tax and assessment information, bankruptcy or litigation records and identified exceptions.
When a missing assignment, release or other title issue appears, Scalance tracks the request and coordinates the next step under the client’s direction.
For files requiring legal action, counsel remains responsible for the legal strategy. Scalance provides the operational layer around it.
The Sale Is Not Always the End
After a foreclosure sale, the record still needs to be checked. Ownership needs to be confirmed, remaining title exceptions may need attention and the property may need to move toward resale.
Scalance supports post-sale ownership verification, resale title-exception coordination and REO document completion so the file can move from foreclosure into the next stage of the asset lifecycle.
One Workflow. From Default to Resale.
01
Research
Current ownership, liens, foreclosure records and supporting public records.
02
Verify
Priority, assignments, releases, bankruptcy/litigation records and exceptions.
03
Prepare
Organized referral documentation and source records for the next decision.
04
Cure
Missing documents and title issues coordinated under the client’s or attorney’s direction.
05
Resell
Post-sale ownership verification, REO title support and resale exception coordination.
Built Around the Teams That Carry Default Volume
Mortgage Servicers
For default queues that need consistent research, document retrieval and referral preparation without expanding internal staff for every volume spike.
Lenders
For teams that need current ownership, lien and foreclosure information before moving a defaulted loan into the next stage.
Note Investors
For investors reviewing distressed loans, foreclosure status, title exceptions or assets moving toward REO.
Asset Managers & REO Teams
For post-sale ownership, title exception and resale support.