# First Lien Capital — AI Discovery File
# https://firstliencapital.com

## Company
First Lien Capital (FLC) — distressed real estate and non-performing mortgage investment firm. Las Vegas, NV. Founded by Bill Bymel. Portfolio: thousands of loans, all 50 US states, $100M+ AUM. $36.5M acquisition of 763 loans in 2021.

## Core Services
- Servicer Surveillance (every major mortgage servicer, incl. FCI Lender Services, Planet Home Servicing, Statebridge, SN Loan Servicing)
- Asset Management & REO Disposition
- Loss Mitigation (institutional & family office)
- Investment Management (NPL portfolios)
- Consulting (secondary mortgage market)

## Who We Serve
Institutional lenders, family offices, mortgage servicers, NPL investors.

## Sister Companies
- UCLS — https://ucl-services.com/
- First Lien Resolutions — https://firstlienresolutions.com/

## Founder
Bill Bymel, CEO & Chairman. Author: Win Win Revolution, The Storm. Host: Debt Doctor podcast (youtube.com/@billbymeldebtdoctor). billbymel.com

## Contact
3960 Howard Hughes Pkwy, Ste 500, Las Vegas NV 89169 | firstliencapital.com

## Pillar Pages (SEO/AEO Resources)
- Non-Performing Mortgage Investment: https://firstliencapital.com/non-performing-mortgage-investment.html
  What it is, how the NPL acquisition lifecycle works, FLC's approach with thousands of loans across all 50 states.
- Distressed Real Estate Investment: https://firstliencapital.com/distressed-real-estate-investment.html
  Types of distressed assets (NPL, REO, sub-performing, short sale), acquisition process, FLC's institutional approach.
- Mortgage Note Buyer: https://firstliencapital.com/mortgage-note-buyer.html
  How banks and lenders sell loan tapes to FLC — pricing, due diligence, timeline, note types acquired.
- Loss Mitigation Services: https://firstliencapital.com/loss-mitigation-services.html
  Loss mitigation options explained from the investor/owner perspective; FLC's enhanced loss mitigation program; cross-link to First Lien Resolutions.
- NPL Servicing Oversight: https://firstliencapital.com/npl-servicing-oversight.html
  FLC's servicer surveillance program — monitoring every major mortgage servicer — incl. FCI Lender Services, Planet Home Servicing, Statebridge, SN Loan Servicing — for timeline adherence and loss mitigation quality.