Whole Loan Transfer definition: Copy, customize, and use instantly
Introduction
The term "Whole Loan Transfer" refers to the sale or assignment of an entire mortgage loan, rather than just a participation interest, from one entity to another. It is essential in contracts related to securitization, mortgage servicing, and financial transactions involving loan portfolios. The definition of "Whole Loan Transfer" can vary based on the transaction structure, regulatory considerations, and the role of the involved parties.
Below are various examples of how "Whole Loan Transfer" can be defined in different contexts. Copy the one that fits your needs, customize it, and use it in your contract.
Definition of "Whole Loan Transfer" as a complete loan sale
This definition ties "Whole Loan Transfer" to the full sale of a mortgage loan.
"Whole Loan Transfer" means the sale, assignment, or transfer of an entire mortgage loan, including all related rights, obligations, and servicing rights, to a third party.
Definition of "Whole Loan Transfer" as a non-securitized transaction
This definition connects "Whole Loan Transfer" to direct loan sales.
"Whole Loan Transfer" refers to the transfer of a mortgage loan in its entirety without the loan being pooled into a securitization structure.
Definition of "Whole Loan Transfer" as an institutional loan sale
This definition links "Whole Loan Transfer" to sales between financial institutions.
"Whole Loan Transfer" means the transfer of a mortgage loan from one financial institution to another, including the assignment of all associated rights and obligations.
Definition of "Whole Loan Transfer" as a portfolio transaction
This definition applies "Whole Loan Transfer" to bulk loan sales.
"Whole Loan Transfer" refers to the transfer of one or more mortgage loans as part of a broader loan portfolio transaction, including servicing rights where applicable.
Definition of "Whole Loan Transfer" as a regulatory-compliant transaction
This definition ties "Whole Loan Transfer" to compliance requirements.
"Whole Loan Transfer" means the sale or assignment of a mortgage loan in accordance with applicable federal, state, and local laws governing such transactions.
Definition of "Whole Loan Transfer" as a servicing-released transaction
This definition connects "Whole Loan Transfer" to the transfer of loans without servicing obligations.
"Whole Loan Transfer" refers to the transfer of a mortgage loan in which the servicing rights are also assigned to the purchaser.
Definition of "Whole Loan Transfer" as a servicing-retained transaction
This definition links "Whole Loan Transfer" to sales where servicing rights remain.
"Whole Loan Transfer" means the transfer of a mortgage loan while the seller retains the servicing rights and obligations.
Definition of "Whole Loan Transfer" as a government-backed loan transaction
This definition applies "Whole Loan Transfer" to federally insured mortgages.
"Whole Loan Transfer" refers to the sale of a loan backed by government agencies such as Fannie Mae, Freddie Mac, or the FHA, subject to applicable program guidelines.
Definition of "Whole Loan Transfer" as a private-label transaction
This definition ties "Whole Loan Transfer" to non-agency loan transfers.
"Whole Loan Transfer" means the transfer of a mortgage loan that is not insured, guaranteed, or securitized by any government-sponsored entity.
Definition of "Whole Loan Transfer" as a distressed asset sale
This definition connects "Whole Loan Transfer" to non-performing loan transactions.
"Whole Loan Transfer" refers to the transfer of a mortgage loan that is classified as distressed, delinquent, or non-performing, often at a discounted purchase price.
Definition of "Whole Loan Transfer" as a performing loan sale
This definition links "Whole Loan Transfer" to loans in good standing.
"Whole Loan Transfer" means the sale or assignment of a mortgage loan that is current and in compliance with all contractual payment obligations.
Definition of "Whole Loan Transfer" as a secondary market transaction
This definition applies "Whole Loan Transfer" to the resale of loans.
"Whole Loan Transfer" refers to the transfer of a mortgage loan from an originator or initial lender to a secondary market investor.
Definition of "Whole Loan Transfer" as an investor-driven sale
This definition ties "Whole Loan Transfer" to asset reallocation.
"Whole Loan Transfer" means the transfer of a mortgage loan to an investor seeking direct exposure to mortgage assets without pooling or securitization.
Definition of "Whole Loan Transfer" as a risk mitigation strategy
This definition connects "Whole Loan Transfer" to financial risk management.
"Whole Loan Transfer" refers to the sale of a mortgage loan as a method for the seller to reduce credit, market, or liquidity risk exposure.
Definition of "Whole Loan Transfer" as a regulatory capital management tool
This definition links "Whole Loan Transfer" to financial institution compliance.
"Whole Loan Transfer" means the transfer of a mortgage loan to optimize a financial institution’s capital reserves and regulatory compliance.
Definition of "Whole Loan Transfer" as a structured finance transaction
This definition applies "Whole Loan Transfer" to structured loan sales.
"Whole Loan Transfer" refers to the transfer of a mortgage loan as part of a structured finance arrangement, including risk-sharing agreements or synthetic securitizations.
Definition of "Whole Loan Transfer" as a strategic loan divestiture
This definition ties "Whole Loan Transfer" to business strategy.
"Whole Loan Transfer" means the sale of a mortgage loan to realign a lender’s portfolio, manage concentration risk, or exit certain market segments.
Definition of "Whole Loan Transfer" as a single-loan sale
This definition connects "Whole Loan Transfer" to individual loan transactions.
"Whole Loan Transfer" refers to the sale of a single mortgage loan rather than a pool or portfolio of loans.
Definition of "Whole Loan Transfer" as a bulk loan acquisition
This definition links "Whole Loan Transfer" to large-scale loan transfers.
"Whole Loan Transfer" means the purchase of multiple mortgage loans in a single transaction, often by institutional investors or financial entities.
Definition of "Whole Loan Transfer" as a bankruptcy-related sale
This definition applies "Whole Loan Transfer" to insolvency proceedings.
"Whole Loan Transfer" refers to the sale of a mortgage loan as part of a bankruptcy, receivership, or liquidation process.
Definition of "Whole Loan Transfer" as a loan buyback arrangement
This definition ties "Whole Loan Transfer" to repurchase agreements.
"Whole Loan Transfer" means the sale of a mortgage loan with a contractual agreement allowing the seller to repurchase the loan under specified conditions.
Definition of "Whole Loan Transfer" as an insurance-linked transaction
This definition connects "Whole Loan Transfer" to risk transfer.
"Whole Loan Transfer" refers to the sale of a mortgage loan where the buyer or seller utilizes mortgage insurance or credit enhancements.
Definition of "Whole Loan Transfer" as a legal title transfer
This definition links "Whole Loan Transfer" to ownership documentation.
"Whole Loan Transfer" means the transfer of all legal and beneficial interests in a mortgage loan, as evidenced by assignment documentation and recorded instruments.
Definition of "Whole Loan Transfer" as a lender liquidity strategy
This definition ties "Whole Loan Transfer" to liquidity management.
"Whole Loan Transfer" means the sale of a mortgage loan by a lender to generate liquidity and reallocate capital to new lending opportunities.
Definition of "Whole Loan Transfer" as a government-sponsored entity transaction
This definition connects "Whole Loan Transfer" to GSE acquisitions.
"Whole Loan Transfer" refers to the sale of a mortgage loan to a government-sponsored entity such as Fannie Mae or Freddie Mac under their whole loan purchase programs.
Definition of "Whole Loan Transfer" as a cross-border loan sale
This definition links "Whole Loan Transfer" to international transactions.
"Whole Loan Transfer" means the sale or assignment of a mortgage loan between entities in different jurisdictions, subject to applicable cross-border regulations.
Definition of "Whole Loan Transfer" as a risk-sharing transaction
This definition applies "Whole Loan Transfer" to financial risk allocation.
"Whole Loan Transfer" refers to the transfer of a mortgage loan as part of a structured risk-sharing arrangement between financial institutions or investors.
Definition of "Whole Loan Transfer" as a loan consolidation strategy
This definition ties "Whole Loan Transfer" to portfolio optimization.
"Whole Loan Transfer" means the transfer of a mortgage loan to an entity seeking to consolidate similar assets for operational efficiency or investment purposes.
Definition of "Whole Loan Transfer" as a contractual assignment
This definition connects "Whole Loan Transfer" to loan agreement terms.
"Whole Loan Transfer" refers to the assignment of a mortgage loan pursuant to the terms of a loan purchase agreement, including all related rights and obligations.
Definition of "Whole Loan Transfer" as a balance sheet restructuring tool
This definition links "Whole Loan Transfer" to financial reporting.
"Whole Loan Transfer" means the transfer of a mortgage loan to restructure a lender’s balance sheet by reducing asset exposure or modifying risk classifications.
Definition of "Whole Loan Transfer" as an alternative to securitization
This definition applies "Whole Loan Transfer" to non-securitized financing.
"Whole Loan Transfer" refers to the direct sale of a mortgage loan as an alternative to pooling loans for securitization, providing immediate capital to the seller.
Definition of "Whole Loan Transfer" as a debt restructuring mechanism
This definition ties "Whole Loan Transfer" to financial workout strategies.
"Whole Loan Transfer" means the sale of a mortgage loan as part of a debt restructuring, allowing a new lender to assume the loan under modified terms.
Definition of "Whole Loan Transfer" as a financial institution divestiture
This definition connects "Whole Loan Transfer" to asset disposition.
"Whole Loan Transfer" refers to the sale of a mortgage loan by a financial institution as part of a strategic exit from a specific market or lending category.
This article contains general legal information and does not contain legal advice. Cobrief is not a law firm or a substitute for an attorney or law firm. The law is complex and changes often. For legal advice, please ask a lawyer.