Manage and Service HMBS Portfolios
Maximize Investment Returns While Minimizing Operational Risk
If you’re buying, selling, or managing portfolios of reverse mortgage loans, you need accurate valuations and reliable price prediction to maximize your returns. RMI’s seasoned experts leverage our proprietary models based on years of historical loan performance to provide accurate HMBS and MSR valuations.
When managing portfolios or issuing HECM loans and holding financial interest, any operational inefficiencies can inflate loss severities within your servicing portfolios. RMI servicing oversight experts can apply experience and proprietary tools to optimize portfolio performance and value.
Capital Markets
Valuation Engine
HECM/HMBS Portfolio/MSR 3rd Party Marks:
We assign accurate values to the HECM loans, MSRs, and HMBS on your financial statements. Using both economic and loan performance assumptions we generate loan level cash flows for the life of the loan under a range of scenarios. These are discounted back to assign a value to each one and then aggregated up to the portfolio level.
HMBS Price Prediction:
Leveraging our expertise in the economics of HMBS Investors and Issuers and Wholesale Originators, RMI Pool Pricer is a flexible, easy-to-use tool for live pricing of HECM pools, loans and MSRs. By combining our industry knowledge with HMBS market trading data and servicing performance data we deliver loan level valuation analysis featuring:
- Model HMBS analytics for true loan level prices based on fundamental value.
- Market HMBS pricing assumptions, at standard HPC conventions.
- Loan level MSR valuations
RMI Pool Pricer
Powers our dynamic pricing engines that generate accurate HECM loan values for:
Pipeline Mark to Market:
Valuation of loans prior to funding, reflecting up-to-date loan level HMBS market values to project revenue as you incur expenses and stay on top of market conditions and changes in your pipeline.
Pricing Exceptions:
Get all the pricing information you need to make fully informed decisions for exception requests.
Loan Auction Bid Support:
Tools for setting auction bids that allow you to optimize channel revenue and continuously monitor auction market trends.
HMBS Pool Optimization:
Select loans for your current HMBS pool in a way that retains maximum excess value for your next pool – and still meet your delivery commitment.
Valuation Engine
HECM / HMBS / MSR 3rd Party Marks:
We assign accurate values to the HECM loans, MSRs, and HMBS on your books. Using both economic and loan performance assumptions we generate loan level cash flows for the life of the loan. These are discounted back to assign a value to each loan and then aggregated up to the portfolio level.Pipeline Mark to Market:
Valuation of loans prior to funding, reflecting up-to-date loan level HMBS and MSR market values to project revenue as you incur expenses and stay on top of market conditions and changes in your pipeline.HMBS Price Prediction:
Leveraging our expertise in the economics of HMBS Investors and Issuers and Wholesale Originators. We combine our industry knowledge with HMBS market trading data and servicing performance data to deliver loan level valuation analysis featuring:
- Model HMBS analytics for true loan level prices based on fundamental value.
- Market HMBS pricing assumptions, at standard HPC conventions.
- Loan level MSR valuations
RMI Pool Pricer:
A flexible, easy-to-use tool for live pricing of HECM pools, loans and MSRs. The RMI Pool Pricer can also be used to drive profit-enhancing applications:
Pricing Exceptions
Get the pricing information you need to make fully informed decisions for exception requests.
Loan Auction Bid Support
Tools for setting auction bids that allow you to optimize channel revenue and continuously monitor market trends.
HMBS Pool Optimization
Select loans for your current HMBS pool in a way that retains maximum value for your next pool sale – and still meet your delivery commitment.
RMI Pool Pricer powers our dynamic pricing engines that generate accurate HECM loan values for:
Pipeline Mark to Market:
Valuation of loans prior to funding, reflecting up-to-date loan level HMBS market values to project revenue as you incur expenses and stay on top of market conditions and changes in your pipeline.
Pricing Exceptions:
Get all the pricing information you need to make fully informed decisions for exception requests.
Loan Auction Bid Support:
Tools for setting auction bids that allow you to optimize channel revenue and continuously monitor auction market trends.
HMBS Pool Optimization:
Select loans for your current HMBS pool in a way that retains maximum excess value for your next pool – and still meet your delivery commitment.
RMI Pool Pricer
Powers our dynamic pricing engines that generate accurate HECM loan values for:
Pipeline Mark to Market:
Valuation of loans prior to funding, reflecting up-to-date loan level HMBS market values to project revenue as you incur expenses and stay on top of market conditions and changes in your pipeline.
Pricing Exceptions:
Get all the pricing information you need to make fully informed decisions for exception requests.
Loan Auction Bid Support:
Tools for setting auction bids that allow you to optimize channel revenue and continuously monitor auction market trends.
HMBS Pool Optimization:
Select loans for your current HMBS pool in a way that retains maximum excess value for your next pool – and still meet your delivery commitment.
Rate Sheet Pricing
Maximize Revenue and Easily Manage Rate Sheets
Rate Sheet Comparison has never been easier or more automated:
- Take any group of rate sheets and drag and drop to upload
- See multiple rate sheets in one window
- Easily compare loans by key criteria: price, margin/rate, and utilization
Rate Sheet Generation and Distribution is all in one place:
- Create internal and external rate sheets that protect your margin
- Automatically distribute, specifying who gets which sheet, all in one system with audit tracking
Optional Full HMBS Valuation puts you in control:
- Add Valuation Engine data to your rate sheet creation process for a fully informed result
Servicing Oversight
Minimize Potential Losses
Portfolio Managers and HECM Issuers may underappreciated how operational inefficiencies can inflate loss severities within their servicing portfolios. Servicing Oversight can be the difference for you. Learn from peers’ mistakes and apply proven best practices to find hidden profits – before it costs you dearly.
Our seasoned servicing experts specialize in reverse and our cutting-edge software is equipped with business rules to actively manage key timelines and borrower interactions. With options for both licensing and full-service arrangements, our Servicing Oversight includes:
- Default Timeline Management & Surveillance
- Strategic Loss Mitigation Initiatives
- HUD Assignment Monitoring
- REO & Claims Management
- Loss Analysis
- Third-Party Claims Administration and Recovery
- Portfolio Performance Reporting
API Integration
Layer RMI Capabilities Upon Your Current Business Processes
Enhance the capabilities of your current systems with RMI’s expert services, tools, and powerful APIs that connect you to the most accurate and comprehensive database in the industry
- Product Qualification API surfaces ideal reverse mortgage prospects in your forward servicing book and CRM to expand your business:
- Generate additional revenue from prequalified prospects
- Show people who already have a trusted relationship with you how they can generate additional cash flow in retirement without selling their home or sacrificing their investments
- Preserve your portfolio by providing the most value to current borrowers
- Show customers how HECM for Purchase can unlock their dream move
- Wholesale API puts state-of-the-art analysis and reporting within your internal applications. Wholesale lenders use the API to integrate RMI’s wholesale volume data directly into their CRM tools to give AE’s fast and easy access to volume trends and customer capture rates.
- Retail Dashboard API puts the conversion lifting power of social proof inside your sales funnel and other customer-facing forms. Originators use the API to integrate RMI’s reverse mortgage household and volume data into sales and marketing tools.
- HECM Neighborhood API puts our market data and analytics anywhere you need it on your web site to better engage prospects with timely, convincing social proof of HECM popularity. Add convincing data to your lead funnel and build compelling, custom landing pages to track prospects from the very beginning of your sales process and keep them engaged to the end.
Technical Service and Pricing
Monthly subscriptions and feature selections can be customized to your team’s specific needs.