Loan Servicing for Private Money Mortgage Lenders

Lake City Servicing is a comprehensive real estate loan servicing company for investors holding real estate notes for non-owner occupied residential and commercial property. Lake City Servicing offers a complete relationship for investors and borrowers by providing a range of services designed to accommodate the investors desired involvement with the borrowers. Our mission is to provide value and protection to individuals and portfolio lenders through the servicing and collection of private money loans, and when necessary the foreclosure on and disposition of real property.

Lake City Servicing understands the importance of having a servicing company you can count on to maintain your loan accounts. Whether you are a Hard Money Lender, a Lender with a small portfolio of loans, a seller that has a seller carry-back note, or a manager of a mortgage loan pool, our goal is to provide you with thorough oversight of your loan accounts and to manage your loans from origination to payoff. We take care of all your loan servicing needs so that you can focus on growing your business.

Lake City Servicing is happy to serve you and monitor your loan account. We understand that your investment is important to you and we are here to ensure your payments are collected in a timely and efficient manner. We also will assist you with communicating with your Lender, including potential loan modifications, reinstatement calculations and payoff requests. Our goal is to provide you with excellent customer service so that you can focus on your investment property and completing the project you set out to complete.

Services Included with Every Account
Our services are extensive and can be customized to the level of service needed; the basic servicing includes the following:

  • Borrower Welcome Letter
  • Borrower Welcome Call
  • Borrower Monthly Statements
  • ACH Payment Collection
  • Online Payment Options, including credit card payments
  • Online Account Access
  • Direct Deposit of loan payments
  • Lender Monthly Statements
  • IRS 1098 and 1099-INT Reporting
  • Late Pay Phone Calls
  • Late Notices
  • Late Pay Emails
  • NSF Notices
  • NSF Payment Follow-up
  • Notices of Maturity (60 days and 30 days prior to maturity)
  • Maturity Reminder (15 days prior to maturity)
  • Same Day payment posting
  • Payoff Demands
  • Borrower Inquiries


Lake City Servicing is a division of Secured Investment Corp, a private money company that provides real estate investors the necessary capital to finance their projects by bringing together private lenders and borrowers. This is accomplished through several of our divisions and wholly owned subsidiaries, including Cogo Capital – The Private Money Company, Lake City Servicing and The Lee Arnold System of Real Estate Investing.

Secured Investment Corp is one of the fastest growing companies in the private money marketplace in the United States. With over 125 years of combined specialized loan expertise, we have built a comprehensive, peer-to-peer lending platform focused on non-owner occupied residential and commercial real estate.


NMLS ID 1760709

Office Locations

701 E Front Avenue, Coeur d’Alene, Idaho 83814


  • Loan Servicing

Real Estate Sectors

  • Private Mortgage Lending

Customer Types

  • Private Mortgage Lenders
  • Commercial Property Investors
  • Residential Property Investors
  • Note Investors