| 20100198743 | AUTOMATED SYSTEM FOR COMPILING A PLURALITY OF EXISTING MORTGAGE LOANS FOR INTRA-LOAN RESTRUCTURING OF RISK VIA CAPITAL INFUSION AND DYNAMIC RESETTING OF LOAN TERMS AND CONDITIONS - The CapStratix System operates on a plurality of existing loans (a “designated portfolio”), held by a regulated Lender, using a pool of capital which is available from unregulated Investors, to dynamically re-compute loan packages. The CapStratix System arranges for the disaggregation of a Lender's designated portfolio of Mortgage Loans, each into discrete note amounts, including an A Note and a “RenuNote”, both (or all) secured by the same mortgage lien. This process facilitates the extension of the maturity dates of the loans, at new market pricing, and the restatement of other terms and conditions required for a successful sale of the RenuNote to an Investor, reducing Lender's assets and risk profile, thereby having a positive effect on a Lender's regulatory capital ratios, without requiring a change to the Borrower's ownership structure or risk exposure. | 08-05-2010 |
