Sentences with phrase «holding loans on their balance sheets»

This bundling and selling allows more people to obtain mortgages because the lenders don't have to hold the loans on their balance sheet, thus freeing up their capital to re-lend and make additional loans.

In CMBS, if the special servicer has no bias, or if a healthy insurer / bank holds the loan on balance sheet, you extend when you are optimistic that this is just a short - term difficulty with the property, and you think that the property owner just needs a little more time in order to refinance the loan.

``... banks were anxious to avoid holding loans on their balance sheets; they preferred to package them and sell them off to investors who were not subject to supervision and persuasion by the regulatory authorities» (George Soros, The Crash of 2008 and What it Means).

While the SNFs have higher operating risk profiles, many states have CONs that create barriers to entry, which is important given that we like to hold our loans on the balance sheet.

Lala says he's seeing other lenders entering the jumbo space as well, but they're all large lenders that can afford to hold the loans on their balance sheet.

Not exact matches

It's a far cry from the days — say 15 years ago — when less than a dozen banks held a corporate loan on their balance sheet, and companies could renegotiate the terms of their loan with a single creditor, or a small committee.

Bank - led efforts to shield loans held on balance sheet from new mortgage rules are drawing heavy fire from consumer activists and independent mortgage lenders.

Some mortgage experts have argued that community banks had lower nonperforming loans during the crisis because of the strong relationships with their customers, and the loans held on their balance sheets performed better.

Mortgage Lender Escrow Requirement Exemption — Vote Passed (294 - 129, 8 Not Voting) The House passed the bill that would exempt lenders with assets of $ 10 billion or less from the 2010 financial regulatory overhaul requirement that such lenders establish escrow accounts for the first five years of so - called «high - priced» mortgage loans, if the lenders hold the loan on its own balance sheet for three years after the loan is made.

The rating agencies use what little data exists, usually from loans that are held on - balance - sheet, and apply them to loans that are originated and sold.

The loans and residuals business segment consists of residual interests in securitization trusts that are consolidated on the company's balance sheet as the residual trusts, as well as unencumbered residential mortgage loans held in the company's portfolio.

Banks would rather do conforming loans that they could sell off to Fannie - Mae & Freddie - Mac than do larger loans they had to hold on their weak balance sheets.

Banks lend us money, we loan it to a borrower, and we hold that loan on our balance sheet for the term of the loan.

Securitization — originating loans to sell to others can be far more profitable than holding them on balance sheet.

Typically, these are 12 - to 36 - month term commercial loans that are held on the lender's balance sheet.

Meanwhile, conduit lenders have been restrained by new regulations that have recently come in effect, including risk retention, which forces them to hold some of the risk of their loans on their own balance sheets.