Your Loans, Our Expertise.
Bringing Delinquencies Back on Track.
Del Toro Loan Servicing, a division of Evergreen, specializes in proactive loss mitigation and borrower outreach.
Our goal is to restore your cash flow and protect your investment.
We're Here to Help
If you’re here, you’re likely looking for a solution to resolve a delinquent loan.
Through the merger of Del Toro Loan Servicing and Evergreen, our clients now have access to a Default Assistance team with 20 years of experience crafting tailored solutions that deliver long-term results.
Our approach begins with a structured outreach program to establish communication and identify the cause of delinquency. From there, we work closely with both parties to explore solutions that create the best possible outcome—quickly and effectively.
Our team specializes in negotiating and drafting loan modifications and short-term forbearance agreements, ensuring each resolution is both clear and compliant. In cases where alternative solutions are not viable, we also facilitate Deeds in Lieu and, when necessary, foreclosure proceedings.
Our goal is to restore cash flow, protect investments, and, whenever possible, keep people in their homes. Let us help you find the right path forward.
“Adherence to Regulations is a minimum standard. While we are working to achieve a win-win resolution, we are also ensuring that we have both met all legal requirements and acted respectfully and ethically with foreclosure as a last resort.”
– Drew Louis | CEO
Our Approach to Results
Direct Borrower Engagement
We initiate contact through calls and emails to discuss repayment options.
Negotiation of Payment Plans
We work on reinstatements and modifications to suit borrower capabilities.
Regulatory Compliance
We adhere to all state and federal laws, safeguarding your interests.
Continuous Updates
We keep you informed at every stage of the negotiation process.
“Our contributions to our industry and community have been formally recognized by hundreds of customers, local and international organizations, as well as the Superior Court of the State of California, which awarded us a Certificate of Appreciation for doing things The Right Way.”
Frequently Asked Questions from Lenders
Explore answers to frequent questions about our loan management services and communication strategies.
How will you communicate with me about my loans?
We will contact you when any new information becomes available or there are decisions to be made.
What steps do you take to recover delinquent payments?
Sometimes the delinquent payment(s) can are fully resolved after a few phone calls and a short period of time. When a little more time is needed, we will work with both parties to ensure alignment.
What if a borrower doesn't respond to your outreach?
We will eventually establish communication; it’s just a matter of how and when. While our last resort is the foreclosure sale of a property, initiating the process will generate a response from the borrower.
How are your approach and results better than hiring a lawyer or going with an outside foreclosure trustee?
We are a familiar and neutral 3rd party which increases the likelihood that communications will occur sooner and will be more effective. Attorneys are hired to litigate, not to get loans reperforming. If you hire a lawyer, they hire a lawyer and money that could go toward your cash flow is wasted. Likewise, foreclosure firms are paid to foreclose; it conflicts with their business model to negotiate solutions other than foreclosure.
How Do We Get Started?
Click the link below to review our Engagement Agreement and contact our office at the number below.
Get In Touch With Us Today
Keep abreast of your loan’s status with our regular updates. For any inquiries or to request specific information, reach out to us today.
Phone
(253) 650-9450
Address
2300 Boswell Rd UNIT 215,
Chula Vista, CA 91914
Del Toro Loan Servicing, Inc.
CA DRE Broker # 01525608
NMLS # 351720
Evergreen Escrow, Inc.
CA DRE Broker #01525795
NMLS #394102