We specialize in analyzing, evaluating and coordinating the sale of commercial and residential mortgages. Our focus is toward community and regional banks, working with them on asset sizes ranging from single relationships to large loan pools.
Nautilus Capital
has well-established relationships with numerous specialty investors throughout
the country. We take the time to understand your needs and will tailor
our services accordingly. Our fees are generally performance-based.
- 1st or 2nd liens
- Premium and discount sales
- Single family, multifamily or mixed use
- Retail centers
- Hospitality industry
- Commercial / industrial / office buildings
- Single purpose
- Environmental issues
- Sub-performing, non-performing and forbearance agreements
- Foreclosure, bankruptcy and REO properties
Our team diligently analyzes each loan to evaluate its value and marketability. We maximize competitive interest in your loans, selectively choosing from our nationwide network of specialty investors. This tested process enables us to address your specific needs.
We are relationship oriented, not transaction oriented. Every client is unique, requiring an individualized approach.
Strict confidentiality, responsiveness and candid feedback – that’s Nautilus’ standard!
- Eliminate management distractions
- Redeploy capital to maximize returns
- Reduce default management expense
- Create liquidity
- Improve asset quality ratios
- Reduce portfolio concentration risk
- Minimize SOP 03-3 costs
- Balance sheet management
- Improve the institution’s marketability
2) Loan Data – Seller sends loan information to Nautilus Capital, including copies of key credit file documents such as promissory note, appraisal, pay history, etc.
3) Expectations – Seller and Nautilus Capital discuss the transaction terms, marketing strategy and price expectations.
4) Indicative Bids – Nautilus Capital prepares and sends an executive loan summary to appropriate investors, and obtains indicative bids.
5) Auction Results – Nautilus Capital submits indicative bids to seller and helps to select the winning bidder.
6) Commitment Letter – The seller and investor execute a commitment letter at the bid price, subject to due diligence. Depending on the nature of the loans, the investor may arrange a visit to your institution for document, property and collateral review.
7) Due Diligence – Investor discloses the due diligence results to the seller. Typical timeline is three to four weeks.
8) Price Confirmation – Final price is agreed upon.
9) Closing – Loan sale agreement is executed, collateral is delivered and the deal is funded.