How it works

Why do bank sell mortgages?

U.S. Banks sell a majority of their performing mortgage loans on the secondary market for a myriad of reasons, creating a massive liquid
secondary market worth trillions of dollars.

Selling loans frees up capital, enabling banks to offer new loans.
Changes in short- term strategy and budgeting lead to mortgages being resold
Banks profitability drops with lower loan amounts or servicing individual mortgages.
Changes in interest rates can enable banks to profit quickly from reselling mortgages
Reselling mortgages helps banks to meet their capital reserve obligations.
Upwards of two-thirds of all mortgages are resold on the secondary market.

The Opportunity: Acquiring Cash Flow

VAK Capital leverages its team’s extensive expertise, experience and network to acquire pools of cash flowing, unsecuritized mortgages in this market.

$ 0 T

Total number of unsecuritized mortgage loans in U.S.

$ 0 T

Unsecuritized first liens mortgages (Banks)

$ 0 T

Unsecuritized first liens
mortgages (Other)

VAK Buys Cash Flow

Expert sourcing and analysis of these loans on the secondary market gives VAK Capital access to cash-flowing pools and trusts of mortgages.

$ 0 B+

With adequate capital, VAK can access and
manage $1B and more of these assets.

The VAK Capital 

Competitive Advantage

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1

Sourcing

VAK Capital sources
pools of mortgage loan
from financial institutions,
auctions, and private
investors.

2

Valuation & Due Diligence

Qualitative and
quantitative valuation and
individual credit diligence
review..

3

Acquisition

Disciplined, cost effective acquisition and transition of assets. Loans are then
transferred to the Servicer.

4

Management

IRR, multiple and client
focused. Constant analysis of data and practices to find
improvements.

Compliance

Each of the steps in the VAK Capital Investment Process is underpinned by the highest levels of compliance.

Get in touch & get ready to grow your investment with us.