Capital Distress Advisors · Homes & Commercial Property
We are Gay-Lynn Chavez and Francisco Williams, CCIM. We are real estate agents in California. We help owners of homes and commercial property in Southern California see their choices. Free first call. No upfront fees.
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How We Work · 1 – 2 – 3
Plain answers, no pressure. Once you hire us as your agent, we represent you — not your lender.
You talk with Gay-Lynn Chavez or Francisco Williams, CCIM. We look at your notice dates, your loan balance, and your goals. Your best move may be to talk with your lender's mortgage-help team. Lenders often call it loss mitigation. Or it may be to see a HUD-approved housing counselor. That is a free counselor approved by HUD, the U.S. housing agency. If so, we will tell you.
We compare your choices with you. One is reinstatement. That means catching up on the missed payments and costs so the loan is current again. Another is a workout. A workout is a new plan with your lender for paying the loan. You may also sell before the auction, or do a short sale. Another is a deed in lieu. That means giving the property back to the lender instead of an auction. Selling before the auction may leave you money after loans and costs are paid. We will show you a written estimate first. The price is not guaranteed.
You choose what fits you. Once you hire us as your agent, we represent you — not your lender. We market the property to buyers. We put together the papers your lender asks for. We help with the escrow steps. Escrow is the neutral company that holds the money and papers until the sale closes. Only your lender, the trustee, or a court can change a sale date.
Co-Principals · Residential & Commercial
You talk directly with Gay-Lynn Chavez and Francisco Williams, CCIM. They are equal co-principals. Both help home and commercial owners in Southern California. Once you hire us as your agent, we represent you — not your lender.
Gay-Lynn Chavez — DRE #01433767 · Broker: eXp Realty of California, Inc., DRE #01878277 · (562) 858-7065 · GayLynn@chavezgroupusa.com · Chavez & Associates
Helps home and commercial owners in Southern California facing a Notice of Default or Notice of Trustee's Sale. Reviews catching up the overdue amount (reinstatement), lender workouts, sales before the auction, and short sales.
Francisco Williams, CCIM — DRE #01979442 · Broker: Exp Commercial of California, Inc., DRE #02134436 · (213) 880-8107 · Francisco.Williams@williamscap.ai
Helps home and commercial owners in Southern California review sales before the auction, short sales, refinancing or new capital, loan note sales, court receiverships, giving the property back to the lender instead of an auction (deed in lieu), and lender workouts.
Are you a real estate agent or broker with a client in default? Visit our Agent Referrals page → Take the 1-minute broker check →
Free First Call · No Upfront Fees
Enter your name and phone number. Gay-Lynn Chavez or Francisco Williams, CCIM will call you to review your options.