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Residential Loans

  • Garnet has a long history of selling liquid and illiquid mortgage loans.
  • Garnet transactions avoid the Fade common in transactions.
  • Garnet’s process to provide bidders with a comprehensive upfront diligence package gives bidders confidence to bid at levels that will hold through closing.

What Clients are Saying

"We hired you because we thought you would work harder, and we were right."
CFO, $2 billion Community Bank
"We have used a lot of brokers and your level of service surpassed the others."
SVP, $6 billion Bank
"Getting every loan sold was important to us and Garnet made sure that happened."
Managing Director, Agent for Bank Syndicate

$60,000,000*

Scratch-and-Dent

$35,000,000*

RPLs & TDRs

$82,000,000*

RPL Seconds

$361,000,000*

Performing and Nonperforming Residential Mortgages

$75,000,000*

Performing Second Liens

$292,000,000*

HELOCs

*multiple transactions

What Differentiates Garnet?

Diligence
  • Data verification and remediation
  • Cost/benefit analysis of third party reports
  • Sales team ensures buyers review diligence
Approach
  • Every sale customized to sellers’ needs
  • One, two round and negotiated transactions
  • Seasoned sales team in touch with markets
Closing
  • Buyers trust Garnet materials
  • Quality information = Quality bids
  • Direct closing process

What are the Critical Factors in a Residential Sale?

Information
  • Data file clean-up
  • Third party diligence reports
  • Organized and easy to access
  • Buyers can bid with certainty
Pooling
  • Created to be attractive to buyers
  • Optimizes price, participation and pull-through
  • Will attract retail and wholesale bids
  • Buyers get what they want
Closing
  • Upfront diligence used to prevent fade
  • Price and terms negotiation assistance
  • Involved in all aspects of closing process
  • Develop settlement statement(s) and transfer timelines

Case Studies

$75,000,000

Performing and Nonperforming Second Liens

View Case Study

$300,000,000

California HELOC Sale

View Case Study

$700,000,000

First and Second Lien Residential Mortgages

View Case Study
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