Are Blanket Loans Held on Your Balance Sheet or Sold to the Secondary Market?
Our blanket mortgage loans are initially held on our balance sheet and are ultimately securitized and sold into the secondary market. This originate-to-securitize model is standard across institutional rental property lending and is one of the reasons we can offer competitive fixed rates with long-term amortization schedules.
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No application fees, no tax returns required. Most loans close in 2-4 weeks with competitive rates based on your portfolio.
Competitive Rates
Secondary market demand for performing loan pools drives rates lower than balance-sheet lending.
Consistent Capital
Regular loan sales replenish lending capacity for continuous new deal funding.
Locked-In Terms
Your rate, amortization, and all terms remain unchanged regardless of loan sales.
Clear Standards
Institutional criteria result in transparent, predictable qualification requirements.
The secondary market exit is significant because it provides a continuous flow of capital. Rather than being limited by a fixed pool of funds, selling performing loan pools to institutional investors replenishes our lending capacity and allows us to fund new deals consistently. This means you are not waiting in line for capital availability.
The originate-to-securitize model provides continuous capital flow for investor lending
What Does This Mean for Borrowers?
From a borrower perspective, the secondary market structure has several practical implications:
- Standardized underwriting -- loans must meet institutional investor criteria, which results in clear, predictable qualification standards
- Competitive pricing -- secondary market demand for performing rental loan pools drives rates lower than pure balance-sheet lending
- Loan servicing transfers -- your loan servicer may change after the loan is sold, but your loan terms remain exactly the same
- Consistent capital availability -- because loans are regularly sold, new funding is always available for incoming applications
Regardless of whether your loan is on our balance sheet or has been securitized, the terms you agreed to at closing are locked in. Your interest rate, amortization schedule, prepayment provisions, and all other loan terms remain unchanged for the full duration of the loan. The only change you might notice is updated contact information for your loan servicer.
Secondary Market Loan Key Facts
- Loans are initially held on balance sheet then securitized and sold
- All original loan terms remain unchanged through any servicing transfers
- Secondary market exit ensures continuous capital availability for new loans
- Standardized underwriting creates clear, predictable qualification standards
Institutional Capital, Direct Access
Our lending programs are backed by institutional capital with straightforward terms. Find out what your portfolio qualifies for.
Explore the full range of our blanket and multifamily lending programs to understand your options.