Specialized Services for Mortgage Lenders

Secure | Maintain | Monetize

We help lenders protect and manage their mortgage assets from default to disposition.

Pre-foreclosure 

(Before formal enforcement)

  • Verify if the property is vacant, owner-occupied, or tenanted also, Inspect the property for damage, illegal activity, or maintenance issues.

  • We provide detailed photos and reports to assist the lender with legal filings or decisions.

  • Communication Attempts: Serve notices to tenants (e.g., informing of change in ownership or rent redirection).

  • Effective tenant coordination is essential when managing occupied properties during the enforcement of a mortgage. Whether the goal is to recover possession, or prepare for resale, our team ensures smooth, respectful, and legally compliant communication and action.

  • Knowing and complying with municipal bylaws for vacant properties is crucial, especially for lenders, property managers, or owners of REO (Real Estate Owned) assets. Failure to comply can result in fines, work orders, or legal liability

    • Fines & Penalties: Non-compliance can lead to thousands in fines or liens.

    • Increased Liability: Vacant properties are high-risk for fire, flooding, break-ins.

    • Reduced Resale Value: A bylaw-violating property can scare off buyers or require costly remediation before resale.

Enforcement Period

(Power of Sale or Foreclosure

  • All entry points including front, rear, side, and garage doors are rekeyed or fitted with new locks to ensure full property security.
    Automatic garage door openers are disabled to prevent unauthorized access and maintain control of the premises.

  • For vacant properties, we post visible “No Trespassing” signs to deter unauthorized entry and protect against vandalism or liability, and further secure the premises by boarding up accessible windows when necessary.

  • We provide ongoing lawn care, snow removal, pest control, and garbage removal to prevent bylaw infractions, maintain curb appeal, and protect the property from deterioration.

  • Effective tenant coordination is essential when managing occupied properties during the enforcement of a mortgage. Whether the goal is to recover possession, or prepare for resale, our team ensures smooth, respectful, and legally compliant communication and action.

  • Coordinate with legal counsel to ensure notices comply with Ontario’s Residential Tenancies Act (RTA).

  • Managing utilities and preparing properties for seasonal conditions is critical—especially during vacancy or transitional periods. We ensure utilities are safely maintained, shut off, or winterized as needed to prevent damage, reduce costs, and meet bylaw or insurance requirements.

Post Posession 

REal estate owned (REO) management

  • We provide complete property maintenance solutions to ensure residential and mixed-use properties remain safe, compliant, and visually appealing—whether they’re vacant, tenanted, or in transition. Our goal is to preserve asset value, prevent deterioration, and reduce costly emergency repairs

    • Coordinate Appraisals & Valuations: Help lenders obtain fair market evaluations from local experts.

    • Prepare for Listing: Clean, repair, and present the property to make it sale-ready.

    • Assist Listing Agents: Provide access, utilities, and basic upkeep to support showings or open houses.

    • Monitor Offers: Advise lender on offers and buyer readiness when acting under a power of sale.

  • Help secure vacant property insurance or notify insurers of changes.

  • Provide access, utilities, and basic upkeep to support showings or open houses.

Reporting & Compliance

(Power of Sale or Foreclosure)

  • We maintain detailed records of all property-related expenses to ensure full transparency and accountability.
    Each service, repair, and maintenance activity is documented with corresponding invoices, photos, and approval logs—available to you in real time.

    You’ll receive clear, itemized reports that support budgeting, audit compliance, and financial planning, giving you complete visibility into how funds are spent on your asset.

  • Our Monthly Activity Report gives you a clear, real-time view of how your asset is being maintained, protected, and prepared for resale or tenant turnover.

  • As your property management partner, we play a vital supporting role in helping lawyers build strong, timely, and court-compliant cases.

  • Managing properties under default or foreclosure requires detailed financial oversight. Lenders need to ensure all expenditures are justified, recoverable (where possible), and compliant with court or regulatory expectations.