Protect Your Collateral Long After Closing
Loan underwriting is designed to evaluate risk before funding, but many of the biggest threats to a lender's collateral emerge after a loan closes. Ownership transfers, additional debt, tax delinquencies, foreclosure activity, and natural disasters can all impact a property's value and the lender's security position without immediate notice.
Petra Title helps private lenders stay informed by continuously monitoring the properties securing their loans. Instead of relying on manual title checks, the platform provides automated monitoring and timely alerts whenever critical events occur, giving lenders greater visibility throughout the life of the loan.
What Is Petra Title?
Petra Title is a standalone title monitoring service built for private lenders making business-purpose real estate loans.
The platform continuously monitors properties after funding and alerts lenders when significant title, legal, financial, or property-related events occur. With nationwide coverage across all 50 U.S. states, Petra Title helps lenders identify potential risks earlier and respond proactively.
Whether you're monitoring a single serviced loan or an entire lending portfolio, Petra Title provides institutional-grade monitoring without requiring complex integrations or ongoing manual searches.
What Does Petra Title Tracking Monitor?
Petra continuously monitors more than 10 critical risk events that may affect the properties securing your loans.
Foreclosure Activity
Receive alerts when foreclosure proceedings begin on your collateral, giving you valuable time to evaluate the situation before risks escalate.
Borrower Bankruptcy
Stay informed if a borrower files for bankruptcy, allowing you to consult legal counsel and determine the appropriate next steps.
Ownership & Deed Transfers
Ownership changes, deed transfers between LLCs, and quiet title changes can occur without notifying the lender. Petra Title Tracking detects these events and alerts you as soon as they're recorded.
Additional Loans Recorded
Know when additional debt is recorded against your collateral. A borrower's financial position can change significantly after closing, making ongoing monitoring essential.
Involuntary Liens
Construction liens, mechanic's liens, and judgment liens can affect your collateral and potentially threaten your first lien position. Petra monitors these events continuously.
Tax Delinquencies
Property tax delinquencies can eventually become senior liens. Petra alerts lenders before a small tax issue develops into a larger exposure.
Property Sales & MLS Listings
Receive notifications when a borrower lists a property for sale, allowing you to begin the payoff process proactively instead of reacting at the last minute.
Significant Value Changes
Petra's proprietary valuation model monitors estimated property values and alerts lenders when significant changes could negatively affect the loan-to-value (LTV) ratio.
Disaster & Catastrophe Alerts
The platform monitors flood, wildfire, hurricane, and other catastrophe events, allowing lenders to verify insurance coverage and contact borrowers when necessary.
Why Title Tracking Matters
Not every lending risk can be identified during underwriting. Many important events occur after closing, when lenders often have limited visibility into the property's status.
Petra Title Tracking is designed to identify these post-closing risks early, helping lenders stay informed and take action before issues become more difficult to resolve.
Examples include:
The Silent Second Loan
A borrower records additional financing shortly after closing. Petra detects the newly recorded debt, allowing the lender to increase oversight before payment issues arise.
Undisclosed Ownership Transfer
A property is quietly transferred between related LLCs without notifying the lender. Petra identifies the deed transfer as soon as it's recorded.
Escalating Property Tax Delinquency
A missed property tax payment grows into a senior lien that threatens the lender's position. Early monitoring gives lenders the opportunity to address the issue before legal intervention becomes necessary.
Property Listed for Sale
A borrower lists the property for sale without requesting a payoff statement. Petra alerts the lender early, helping coordinate a smoother payoff process.
Simple, Transparent Pricing
Petra Title Tracking offers institutional-grade title monitoring with straightforward monthly pricing.
$10 per property, per month
The service includes:
Monitoring of 10+ risk events
Monthly reports highlighting critical activity
Proprietary property valuation monitoring
Standalone availability with no servicing relationship required
No setup fees
No onboarding costs
No contracts
Standalone customers can monitor as few as five properties, while existing Petra Loan Servicing clients can add title tracking starting with one property.
Getting Started
Getting started with Petra Title Tracking is simple.
1. Book an Introductory Call
Meet with the Petra team to learn how title tracking works and determine whether it's the right solution for your portfolio.
2. Submit Your Properties
Provide the addresses of the properties you want to monitor. Petra handles the setup and verification process.
3. Receive Alerts & Reports
Once monitoring begins, you'll receive monthly reports summarizing property activity and highlighting events that require attention.
Frequently Asked Questions
Do I need to be a Petra Loan Servicing customer?
No. Petra Title Tracking is available as a standalone service. You can monitor as few as five properties without using Petra Loan Servicing. Existing servicing customers can add title tracking to individual serviced loans starting with one property.
What types of loans and properties are supported?
Petra Title Tracking is designed for private lenders making business-purpose real estate loans, including bridge loans, fix-and-flip projects, ground-up construction loans, commercial properties, and other real estate-secured lending.
How quickly will I receive updates?
Customers receive monthly reports summarizing monitored activity and highlighting any events that require attention.
What states are covered?
Petra Title Tracking provides nationwide coverage across all 50 U.S. states.
Is there a minimum contract term?
No. There are no long-term commitments. Monitoring can be started or stopped at any time, with monthly billing at $10 per property.
How does property valuation monitoring work?
Petra uses a proprietary automated valuation model (AVM) to track estimated property values. When significant value changes are detected that could affect the loan-to-value (LTV) ratio, lenders are notified.
Final Thoughts
The lending process doesn't end when a loan funds, and collateral risk doesn't end at closing.
Petra Title Tracking provides continuous monitoring designed to help private lenders stay informed about important events affecting the properties securing their loans. By delivering ongoing visibility into post-closing risks, the platform enables lenders to monitor their collateral with greater confidence throughout the life of every loan.
