Listen to what our clients have to say


My family and I are forever grateful for the work you folks did on our behalf.  You folks did a great job of helping us during the last recession.  As a result of your negotiation skills, we were able to bring the CMBS loan back into compliance and everybody is happy.

Kirkman Lok


In my opinion, 1st Service Solutions is by far the best workout group for these matters.  Whether it be advice or complete workouts, they are the group to provide the best solutions.  Many others, consultant, attorneys, etc., have tried but simply don’t have the high level contacts with lenders and special servicers that Ann Hambly and her team have to get real results.  They lay out the process and costs up front so there are no surprises like some others.


Kevin – I know this been both a challenging and unusual project for you.  You are a true professional.  I have always felt secure in your hands and that feeling never wavered.  You managed this whole thing superbly.

Midwest Borrower

Ann has opened up a new industry as far as I can tell - one in which CMBS borrowers have a voice and an avenue to reach the actual decision makers within the "lender entity"


Ann's insight and knowledge of the inner workings of a very complex industry has been a godsend

CMBS Borrower

I just wanted to drop you a quick note to say that it has been a pleasure to work with Stephanie.  She is always on top of things and has a good understanding of what the master and special servicers are looking for.Servicer underwriter

Servicer underwriter

If my own family had to do a CMBS loan assumption, I would use 1st  Service Solutions.  You don’t want to enter into an assumption without their representation and we’ve had great success with them over the years.

Tim Kinney

Senior Director, First Vice President Capital Markets, Marcus & Millichap Capital Corporation

Working with your team was essential to getting our deal closed on time. Stephanie was responsive, professional, and a true partner during the transaction. We know who to call for our next tough transaction.

Peter Wilson

Chief Operating Officer, PTLA Real Estate Group

I have used other borrower advocates before and there is a big difference in your firm! I won’t use anyone else but 1st Service again!

The expression of “outperforming expectations” is often overused and misapplied but that’s exactly what 1st Service Solutions accomplished.  Ann and her team jumped into a CMBS issue without hesitating and was instrumental in resolving a very impactful issue.

Ron Gilbreath, CCIM, CPM®

Vice President, Asset Management, TIC Properties Management, LLC

We believe value can be gleaned from the participation of a qualified and reputable advisory company in the resolution of CMBS loans.


The 1st Service Solutions team is the best in the business at navigating issues/challenges that arise with special servicers in CMBS loans.

Don Carson


I can't thank you enough for your assistance on our assumption.  Quite frankly, I don't think we could have made it without your help. Your firm adds a tremendous value when dealing with the CMBS monster.

Robert Team

Carolina Investment Properties

I want  to express my appreciation to you and your staff of the professional efforts you have provided in working through this challenging assignment. Your organization has followed this workout endeavor through every step, and I have been most impressed with your understanding of the principal issues as well as your negotiating procedures.

Choosing your firm to represent us was definitely the right move for our company, and I am very greatful for your assistance.

Don Ershig

Ershig Properties, Inc.

Our $1.2Billion transaction would not have closed without 1st Service Solutions

Joe Dykstra

Westwood Financial Corp.

Whenever you have a CMBS deal, hire 1st Service Solutions and get out of the way.

Managing Director

Brokerage firm to his employees

You were tremendous Stephanie.  Thank you. We are working on the one in Arlington Heights and will strongly recommend hiring you.

Michael T. Kaider

First Vice President, CBRE | NNN Retail Investment Properties

You guys were terrific. Very helpful in a work out on a hotel.


If you ever have to deal with a CMBS servicer, you cannot do it without 1st Service Solutions’ help

Russell Malayery

Director/Broker, Marcus and Millichap

When I get an assumption package from 1st Service Solutions, I know it will be complete and I can send it directly to underwriting

Asset Manager

Wells Fargo

You made a painful process efficient and manageable – leading to a successful conclusion of an important transaction for us


Ann Hambly knows the CMBS rules, structure and players as well as anyone I know. She has been a part of setting industry guidelines from the very beginning of CMBS. That knowledge is the key to being a successful borrower advocate.

Pat Sargent

Partner, Alston & Bird LLP

Steve Banegas is one of the most genuine leaders I know.  His love for his Customers, both internal and external is most inspiring.  His willingness to step into the unknown to make life a better place is one of the many traits Steve possesses.

Herb Kelleher

President & CEO, Southwest Airlines

A company is only as good as the quality of the people who serve you, and how well they work together.  Ann Hambly has assembled leading players from the Special Servicers and created something that is rare – an authentic team. People who work with Ann at 1st Service Solutions appreciate the quality and skill of the professional that they are privileged to work and interact with. Ann Hambly built her company on an unshakable commitment to serving the critical needs of the Owner.

John King

Cultural Architect

A huge thank you to 1st Service for your efforts and specifically, to Stephanie for helping to keep this on track and setting us up to close a time sensitive deal both “smoothly” and on time! Sometimes a deal seems to go much smoother than it really has because of the “behind the scenes” work being done by Stephanie and the rest of your team. Please know that those efforts are appreciated, recognized and acknowledged. I am confident this deal would not have gone nearly as smoothly and most likely would not have closed on time without the expertise and relationships of 1st Service behind it. We will certainly seek the benefit of your services again in the future should we find ourselves dealing with CMBS or similar type lender.

Mick Cramer, CPA

President, REMARC Management, Inc.

“It was awesome working with you guys…”



“I couldn’t imagine this process going as well as it did…”

CRE Owner

Ann and 1st Service Solutions have invested very heavily in webinars which have educated me about the landscape of CMBS loans and the variety of options out there.  I am very grateful for that.  That investment, their credentials and their truly human approach have earned my trust.  When it’s time for the experts, I turn to 1st Service Solutions.

Matt Fagin

“We will utilize your team for your services again…”

CRE Owner