2023年6月15日

Adobe股票房屋净值抵押贷款转换(HECM)或反向抵押贷款,起源于2006年至2021年一个将为2.649亿美元的抵押证券化通过Ocwen贷款投资信托基金指出,2023 - hb1。反向抵押贷款房屋净值贷款扩大到借款人至少62年的历史,它不需要定期偿还本金或利息。这笔交易标志着第一次收购PHH抵押贷款,佛罗里达州西棕榈滩的子公司。的抵押贷款服务商Ocwen金融,赞助一个反向抵押贷款证券化。Ocwen贷款投资信托将在本周结束,表现,抵押品池组成的1054(25.14%)和不良反抵押贷款。在不良资产44.01%丧失抵押品赎回权的丧失抵押品赎回权或被称为;在默认的19.32%;7.17%是清算和1.75%是处于破产状态。尽管很高比例的不良资产及其陷入困境的国家不同,美国住房和城市发展部(HUD), DBRS这池中损失,减轻了说。池中还包括房地产拥有资产,通常第一优先权担保的贷款在独栋房屋,DBRS说。 One hundred, forty-one of the total assets in the pool, representing 15.31% of the balance, are fixed-rate loans, and they have a weighted average coupon (WAC) of 4.99%. The rest of the assets, 913 loans, will pay floating-rate interest rates, at 6.38%, which brings the WAC of the entire collateral pool to 6.17%. Ocwen Loan Investment Trust will repay investors through a sequential structure, where no subordinate notes, in this case classes M1 through M5, will receive any principal payments until the senior notes have been reduced to zero, DBRS said. Should the notes fail to repay investors on the June 2026 Mandatory Call Date, this will trigger a mandatory auction of all the assets in the deal. Auctions will continue to occur at three-to six-month intervals, should the previous selloff fail to raise enough proceeds to pay off all the outstanding notes, DBRS said. DBRS expects to assign ratings of 'AAA' to the class A notes; 'AA' to the M1 class; 'A' to the M2 notes; 'BBB' to the M3 notes; 'BB' to the M4 notes and 'B' to the M5 notes.