• MORTGAGE ASSET MANAGEMENT
• DISTRESSED PORTFOLIO MANAGEMENT
• PRICE OPTIMIZATION
• ENTERPRISE MODELING & ANALYTICS PLATFORM

Mortgage Asset Management

Manage the entire workflow for acquiring and managing mortgage assets while delivering speed, efficiency and transparency.

The opportunity to profit from the current inventory of undervalued residential mortgage assets is real. The challenge is how quickly can you move, given the reliance on traditional systems and processes?  

In 2009 alone, REITs raised more than $13 Billion to chase residential and commercial assets. With capital mobilizing, the greatest challenge is more how to deploy that capital quickly and consistently in order to capture and protect investment returns. Speed, scalability and consistency have always been technology issues - human capital can’t solve these alone.

Response Analytics’ Mortgage Asset Management solution answers all three technology imperatives with speed, scalability and consistency. The research analysts that follow technology believe it is a game-changer.  Mortgage Asset Management supports the entire workflow for mortgage assets:

Acquisition: aggregate all necessary data sources and models required to establish preliminary bids on portfolios for acquisition.

Due Diligence: enhance the due-diligence phase by processing, in real-time, additional property, borrower, and economic data in order to establish more precise bids for portfolio acquisition.

Service and Surveillance: monitor the performance of the portfolio using Response Analytics’ unique “learn-and-adapt” capability which automatically recalibrates models to accurately forecast value and guide loss mitigation for highest loan performance.

Loss Mitigation & Asset Disposition: utilize behavior modeling in concert with optimization science to recommend the best loss mitigation treatments that produce, in aggregate, the highest portfolio value.

Mortgage Asset Management is the first integrated mortgage asset management solution for the mortgage banking and investment community. Using an unprecedented software platform with innovative technologies, the solution maps to and provides unique value within the each of key process steps financial institutions face when acquiring and managing residential whole loans.

Appropriate for emerging and established investors, it is not a replacement for in-house analytics, but rather an enabler – one platform to drive more business faster, more consistently with less effort. As business grows and becomes more complicated (expanding volume and asset classes) it is possible to respond quickly by integrating new and different data sources and model types while meeting reporting requirements for investors across funds, investors and pools.

Mortgage Asset Management benefits include:

Returns: Improve returns on the non-performing component of asset pools through optimizing loss mitigation treatments at the loan level. Improve default prediction on precarious performing loans through consolidating and analyzing more granular data.

Portfolio Monitoring: Improve surveillance for whole loans through dynamically monitoring portfolio performance compared with original pricing/forecasts. Improve servicing compliance using a servicer portal configured to your rules and goals.

Speed: Accelerate response time to market opportunities by automating integration with multiple data sources, excel spreadsheets and systems. Segment pools and configure reports uniquely suited to your business model and processes.  

Effectiveness: Enhance effectiveness for analytical and operations departments by using a single comprehensive platform which manages the lifecycle of your mortgage assets while providing security and auditability.