Transforming Non-Performing Loans into Liquidity & Opportunity.

We help community banks reduce risk, regain capital, and streamline operations through ethical, transparent NPL acquisition.

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Who We Are

Millennium Property Group (MPG) is a specialized investment firm dedicated to helping community banks offload their non-performing loans. Our mission is to provide a simple, ethical, and transparent pathway for financial institutions to improve their balance sheets, reduce regulatory burdens, and reclaim valuable staff time.

Over 15 years of expertise NPL acquisitions
Deep regulatory knowledge to ensure smooth transactions
Quick, hassle-free processes tailored for smaller banks

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What We Do & How We Help

At Millennium Property Group, we specialize in acquiring non-performing second mortgages (and related assets) from community banks, offering a clear, benefits-focused solution. While we keep our methods streamlined and efficient, we tailor our approach to each institution’s unique circumstances. We minimize your operational burden, protect your reputation, and help you unlock liquidity—all in a timely manner.

Customized NPL Acquisition

We specialize in non-performing assets. We provide indicative offers based on factors like property value, delinquency status, and overall market conditions.

Secure & Simple Communication

We use a secure yet user-friendly portal for limited data sharing. Ongoing guidance is provided to ensure compliance and smooth transactions.

Efficient Closing & Transfer

We strive for short timelines, aiming to close transactions in weeks, not months. Our experienced team handles or coordinates necessary borrower communications and post-sale steps, with minimal disruption.

Commitment to Partnerships

We maintain long-term relationships by offering follow-up support, compliance check-ins, and flexible solutions that fit each community bank’s evolving needs.

Our Leadership

Graham Schoen

President, Millennium Property Group

With a background as a Registered Investment Advisor (RIA) and a successful track record of building two thriving businesses in lead generation and real estate, Graham Schoen brings extensive regulatory and financial expertise to Millennium Property Group. Over 17 years of experience have shaped his strategic, data-driven solutions for community banks and financial institutions. As President of MPG and CEO/Founder of Greenpath Services, Graham is passionate about helping banks optimize their balance sheets, reduce compliance burdens, and strengthen their long-term success. His partnership-focused approach and dedication to operational efficiency form the cornerstone of MPG’s relationship-driven model.

Mike Ruscica

Senior Partner, Millennium Property Group

With over 15 years specializing in note acquisition and non-performing asset transactions, Mike Ruscica oversees MPG’s operational precision. Having directly worked with numerous banks on loan tape organization, due diligence, and transaction structuring, Mike ensures every NPL sale is handled seamlessly. His emphasis on relationship-building and thorough execution has made him a trusted advisor in the note investment space. By integrating Mike’s operational expertise with Graham’s strategic vision, MPG delivers comprehensive, transparent solutions tailored to community banks’ unique challenges.

Clear, Consistent, Relationship-Focused Solutions

Why Partner with Millennium Property Group

At Millennium Property Group, we understand the unique pressures facing community banks—from non-performing loans tying up capital to the challenges of maintaining compliance and a positive community reputation. Our tailored, relationship-driven approach is designed to bring speed, transparency, and long-term value to every transaction, without burdening your staff or jeopardizing local goodwill.

Save Time & Resources

Reduced Workload: Offloading non-performing second mortgages frees up your team to focus on core banking activities.
No Disruption: We handle the details smoothly and efficiently, minimizing day-to-day operational impact.

Immediate Liquidity & Financial Advantages

Cash Infusion: Receive up-front funds that can be reinvested into profitable lending, strategic growth, or capital reserves.
Potential Tax Benefits: Recognize the loss sooner, potentially offsetting taxable income and boosting year-end financials.

Long-Term, Relationship-Focused

Repeat Deal Potential: We thrive on establishing reliable partnerships for repeated transactions—making each subsequent deal faster and simpler.
Respect for Your Reputation: Our borrower-friendly practices and diligent compliance help maintain the trust your community places in you.

Transparent & Trustworthy

Clear Communication: We keep you informed at each step, so you always know where things stand.
Consistency: Our purchase ranges and timelines are straightforward, avoiding unexpected changes or hidden surprises.

Post-Sale Support

Follow-Up Check-Ins: We stay engaged after closing to ensure all details—like data transfers and borrower notices—are handled smoothly.
Practical Guidance: Need a quick refresh on forwarding borrower calls or clarifying post-sale obligations? We’re just a phone call away.

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“Our bank staff was swamped with non-performing loans. MPG stepped in and handled everything smoothly. We saved so much in compliance headaches—I’d work with them again in a heartbeat.”

- Linda

“I never imagined the sale would be this quick. MPG gave us a clear timeline and stuck to it—our board was thrilled to finalize everything in just a few weeks!”

- Mark

“MPG’s approach was remarkably straightforward. They answered every question, closed faster than expected, and relieved us from chasing down delinquent borrowers. A huge win for our bank.”

- Todd

Proven Success in the NPL Market

With over 15 years in the industry, Millennium Property Group has successfully managed hundreds of non-performing loans. Our commitment to excellence has positioned us as a trusted partner for community banks.

75% of loans successfully restructured and resolved
5-star deal satisfaction rate in our services

Get in touch

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