In helping you dispose of your assets, MARC's goal is to maximize value in the shortest time period while maintaining a neutral effect on capital and Allowance for Loan and Lease Loss levels.

Disposition Management
MARC evaluates and quantifies all disposition options including, but not limited to the following: foreclosure, foreclosure and subsequent build-out/sale, REO liquidation, note sale, short sale, loan modification, restructured refinance to other lending sources, or modification to perm or mini-perm upon satisfactory qualification.

MARC’s team continuously tests loans through proprietary models to update asset values and validate selected disposition routes. Borrowers that meet contractual terms are managed to completion and take-out financing is arranged.

Prior to foreclosure, all collateral passes through risk screening controls designed to identify legal, liability, or other collateral risks. This includes site inspections for specific environmental risks and occupancy considerations.

BPO / Appraisal Services
MARC coordinates with national vendors to obtain updated asset value—the collateral’s worth in both “as is” and “subject to completion” conditions. In most cases, MARC also obtains a “cost to complete” the project, so that we can determine additional achievable value versus the cost/risk of completing the project.

Foreclosure Process Management
We handle foreclosures from beginning to end:

• File the Notice of Intent and Notice of Default on your behalf.
• Manage through judicial and nonjudicial foreclosure.
• Seek deficiency judgments and enforcement of personal guarantees.

REO Management
After a loan is converted into an asset through the foreclosure process, MARC can manage the foreclosure until eventual sale. This includes all necessary property maintenance and preservation, tax payments, and any additional completion work that would maximize the asset’s value. Our real estate owned properties are managed by disposition experts who can market and sell them.