Residential Mortgage Debt

Pontus Residential Mortgage Advisors acquires, manages, and sells performing and sub-performing residential whole loan mortgages. We have cultivated exclusive, direct relationships with national lenders who rely on Pontus to provide immediate balance sheet relief and eliminate the costs associated with note servicing and real estate ownership.

With over 12 years of experience acquiring and divesting residential investments, we can quickly conduct a detailed analysis and present a purchase offer on virtually any portfolio to close without contingencies. Our nationwide platform and property management infrastructure enables us to monetize acquired assets more quickly and with less cost, ultimately enhancing the return for our investors.

Acquisition Profile

Criteria
Our acquisition criteria adheres to a focused strategy of primarily acquiring first and second lien whole loan mortgages through direct relationships with lenders. Our distressed residential debt acquisition criteria includes:

First lien:
- Collateral values ranging from $20,000 to $80,000
- Minimum Unpaid Principal Balance (“UPB”) of $50,000
- Maximum UPB of $250,000
- Less than 65% loan to value
Second lien:
- Minimum Unpaid Principal Balance (“UPB”) of $25,000
- Maximum UPB of $150,000
- Lien is less than 180 days delinquent
- Senior lien is less than 60 days delinquent
- Senior lien is less than 125% loan to value
- Lien is fully secured (no striped or unsecured liens)

Criteria

First lien:

Second lien: