Loan Trust launches new RMBS backed by prime fixed-rate mortgages
The deal is backed by recently originated, 30-year fixed-rate mortgages with an average combined loan-to-value ratio of 75.1%, according to Morningstar DBRS.
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BREAKING — National Mortgage News reports that Loan Trust has brought a new residential mortgage-backed security to market, backed by recently originated 30-year fixed-rate mortgages carrying an average combined loan-to-value ratio of 75.1%, according to Morningstar DBRS. The deal reflects continued institutional appetite for prime, conventional paper with conservative leverage profiles. For originators and investors tracking securitization flow, the structure offers a snapshot of where risk appetite currently sits in the broader mortgage market.
That same environment shapes the financing landscape for individual investors and self-employed borrowers who do not fit the standard W-2 profile that typically feeds these pools. loantrust.ai operates in this gap: an Atlanta-based mortgage brokerage where one licensed MLO personally packages every file, with no call center involved. The firm structures DSCR loans qualified on property cash flow rather than personal income, bridge and fix-and-flip financing for acquisition and renovation timelines, bank-statement programs for self-employed borrowers, and conventional products for homeowners — each positioned as a response to the reality that not every viable borrower or property matches the prime fixed-rate template.
The RMBS market rewards predictability, but real estate investment often demands flexibility. A brokerage that retains the same licensed originator from application through closing, and that maintains programs outside the conventional box, serves borrowers whose strategies do not map neatly to securitized pools. That distinction matters when timing, documentation, or property type would otherwise exclude a qualified deal from moving forward.
Source: National Mortgage News, “Loan Trust launches new RMBS backed by prime fixed-rate mortgages”. Read the original →
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