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Because they’re familiar with the quality of our work. They know:
- We understand their perspective. Our partners and associates have experienced life from the lenders’ point of view. We’ve chaired bank audit committees, worked at prominent banks, and understand the issues on the minds of lenders: issues such as lender liability and the difficult regulatory and accounting issues related to troubled debt. We understand lenders’ goals, their pressures, and the constraints they operate under, which works to our clients’ advantage.
- We know and play by the rules. Lenders are often relieved when we come onto the scene. Because we know the ins and outs of these troubled situations, we’re able to keep management from making irreversible mistakes.
- We speak their language—fluently. You’re good at what you do—but how much do you really know about cross collateralization, interest reserves, loan-loss reserves, impaired assets, judicial foreclosures, discounted loan payoffs, lender liability, or Chapter 11 options? That’s what we’re here to help you with.
Our very specialized skills help turn real estate assets into cash when you need it most.
HMS has successfully completed debt workouts for high-rise office buildings, apartment complexes, shopping centers, single-family residential developments, finished lots, and raw land. We’ve strengthened the balance sheets of companies like yours through Loan Modifications, Discounted Loan Payoffs, and Deeds in Lieu of Foreclosure.
Over the years, we’ve worked with some of the largest lenders in the country, as well as with key regional and local lending institutions, insurance companies, and pension funds. These include:
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Affinity Bank
Bank of America
Bank of the West
Bank of Sacramento
California Bank & Trust
Citicorp
Citizens Bank
Colonial Bank
Comerica Inc.
Exchange Bank
Fleet Capital
First Bank
First Horizon
First National Bank of Nevada
Guaranty Bank
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Indymac
JP Morgan Chase
Key Bank
Metropolitan Life
Nevada State Bank
Prudential Insurance
Rabo Bank
River City Bank
Sumitomo Bank
Transamerica
Umpqua Bank
Union Bank of California
US Bancorp
Wachovia
Wells Fargo
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