Posts in Category: Uncategorized

Scratch and Dent : Lack of Compliance: Unfortunately for mortgage providers, there are a lot of loans that end up going Scratch and Dent due to things completely out of their control.  Mortgage companies have little to no control on whether borrowers will make payments on time, future job status, occupancy changes or buyer appraisal […]

COVID-19 has negatively affected the Scratch and Dent industry over the last 2.5 quarters. Scratch and Dent buyers have scrambled to eliminate risk associated with the pandemic.  Buyers were concerned with unemployment numbers, forbearance requests and potential mortgage delinquency.  Right House Capital saw buyers seize purchasing activities altogether, tighten parameters, add overlays and lower pricing […]

Intro: COVID-19’s Impact of S&D Mortgage Loans:  COVID-19 continues to be the biggest topic surrounding the country, economy and the Scratch and Dent industry.  Our last two blogs have focused on the effects the pandemic is having on whole loan trading and this blog will do the same. COVID-19’s Impact of S&D Mortgage Loans: At […]

COVID-19 Impact on Scratch and Dent – Last blog in March 2020 discussed the outlook of the scratch and dent industry or whole loan trading industry.  In mid-March, the outlook on scratch and dent pricing was still strong.  Scratch and dent bids or whole loan trading bids were at all-time high averages. COVID Impact on […]

The Coronavirus continues to spread across the United States and the world.  All business sector are being affected directly or indirectly.  The Coronavirus Impact on S&D mortgages is no different.  However, unlike the other business sectors, the Scratch and Dent niche has been affected in a positive way.  For mortgage originators as the Fed lowered […]

Value of Scratch and Dent Mortgage Broker: There are situations in business where a middleman can just clog things up, slow down the process and really not add a lot of value.  A broker is a middleman in most cases and therefore sometimes gets a negative reputation.   However, there are situations and cases where a […]

Scratch and Dent Mortgage Loans : What Separates Right House Capital Mortgage providers have multiple choices when it comes to liquidating loans on the secondary market.  There are numerous Scratch and Dent Brokers and Scratch and Dent Buyers for mortgage companies and banks to choose from with their unsaleable loans.  So what makes Right House […]

All mortgage companies strive to find trustful investors that they can build long-lasting relationships.  However, some mortgage providers overlook this objective when it comes to the Scratch and Dent Mortgage Loans. Trusth-Worthy Partner: It is very important to have a trust-worthy Scratch and Dent Mortgage Loans investor or Scratch and Dent broker.   Scratch and dent […]

Scrach and Dent Pricing: When talking about scratch and dent pricing, mortgage providers are always looking for the best price on the secondary market.   This is true for investor fall-out loans, non-QM loans, jumbo loans, re-performing loans, sub-performing loans, non-performing loans and any type of unsaleable loan. Our Secret: Well, Right House Capital is going […]

Scratch and Dent Mortgage Loans Right House Capital understands the importance of options when liquidating Scratch and Dent Mortgage Loans on the secondary market.  Whether your loan or loans happen to be a true scratch and dent mortgage loans, investor fall-out loans, Non-QM loans, jumbo loans, re-performing loans, sub-performing loans, non-performing loans and or any […]