Obsidian partners with leading nonbank mortgage originators and credit unions, which account for over 75% of US mortgage loans. Our technology streamlines the process of moving these loans to capital markets, resulting in faster processing times and lower costs for all stakeholders.
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Step 2: Loan Pooling
Loans are pooled together, carefully analyzed, and optimized to maximize cash flow for investors. Obsidian's proprietary algorithms ensure investors receive the highest possible returns while mitigating the risk of interest rate fluctuations.
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Step 3: Tokenization
Obsidian's technology streamlines tokenization and securitization, reducing the number of steps from eleven to five. This significantly expedites the process of bringing securities to market and transforming mortgage loan servicing rights into security tokens, resulting in a more efficient and streamlined process.
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Step 4: Investor Distribution
Investors receive quarterly cash-on-cash returns, with a projected 12% - 16% per annum return on investment. On certain loans, these returns are backed by insurance or guarantees offered by the U.S. government's Uniform Mortgage-Backed Securities (UMBS), providing an additional layer of reliability on timely payments to investors.
Obsidian Tokenizes Mortgage Loan Servicing Rights
Security Token Offerings (STOs) utilize blockchain technology to transform mortgage loan servicing rights into digital assets, allowing these assets to be traded on a secondary market.
Each token represents fractional ownership, making this asset class accessible to investors of all sizes.
Tokenization Delivers Significant Benefits:
Increased Liquidity: Investors can easily trade tokenized servicing rights on a decentralized exchange, providing immediate access to their investments.
Fractional Ownership: Tokens represent portions of a servicing right, making this asset class accessible to a wider range of investors with varying capital levels.
Transparency: The blockchain platform offers complete transparency and immutability of all transactions, giving investors real-time insights into their investments.
Security: Blockchain technology inherently safeguards against fraud and manipulation, strengthening the security and reliability of this asset class.
Obsidian empowers investors of all levels to access and participate in the mortgage loan servicing rights market. By harnessing blockchain technology, we're driving efficiency, transparency, and liquidity within this traditionally illiquid asset class. Invest in Obsidian and be part of the future of mortgage securitization.
Why Invest in Obsidian
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Higher Originator Payouts
Obsidian's technology helps nonbank originators sell their closed-end loans for more money, benefiting both originators and homebuyers.
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Strong Returns
Obsidian projects an estimated annual revenue of $250,000 - $375,000 for every $1 million invested, offering a significant return on investment.
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Exclusive Access to Mortgage Servicing Rights
Obsidian has exclusive access to over $3 billion in mortgage loan servicing rights annually, providing a strong foundation for growth.
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Experienced Management
Obsidian's principal portfolio managers have over 30 years of experience and manage over $900 million in mortgage servicing rights and whole loans.
How Investors Get Paid
Mortgage Loan Servicing Rights (MSRs)
A small portion of the interest rate is carved out to cover loan servicing expenses. These MSRs are a protected portion of interest within each loan pool.
Excess Servicing
Any revenue remaining after covering loan servicing expenses is considered Excess Servicing and is distributed to investors.
Investor Returns
Investors receive quarterly cash-on-cash returns from the Excess Servicing revenue, providing a consistent and reliable income stream.
Obsidian's Impact
Nonbank Originators
Obsidian boosts nonbank originators' revenue, streamlining their operations and allowing them to expand their reach.
Investors
Investors enjoy attractive returns and a steady income stream from Excess Servicing, making Obsidian a reliable investment opportunity.
Homebuyers
Homebuyers benefit from lower interest rates, making homeownership more accessible with nonbank originators offering competitive rates.
Communities
Obsidian's technology contributes to a more stable and efficient housing market, fostering economic growth and stability in communities across America.
Obsidian's Mortgage Servicing Portfolio
$900M+
2024
$3B+
2025
$5B+
2026
Obsidian's innovative mortgage securitization platform is driving exponential growth in its portfolio of managed mortgage servicing rights. By partnering with leading nonbank originators, Obsidian's goal is to oversee an estimated $3 billion in mortgage servicing rights by 2025, growing to over $5 billion by 2026. This rapid expansion demonstrates the strong demand for Obsidian's efficient and transparent mortgage servicing solution, which is transforming the industry and creating value for all stakeholders.
The Obsidian Ecosystem
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Nonbank Originators
Obsidian partners with nonbank mortgage originators and credit unions, providing them with a platform to sell their closed-end loans at competitive rates.
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Obsidian Technology
Obsidian's technology streamlines the securitization process, reducing costs and increasing efficiency for all parties involved.
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Investors
Investors provide capital to acquire MSRs, receiving quarterly cash-on-cash returns from Excess Servicing revenue.
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Capital Markets
Obsidian facilitates the flow of capital from investors to the mortgage market, creating a more efficient and accessible investment opportunity.
Obsidian Technology Partnership
Obsidian's technology partnership with Istakapaza creates an interconnected ecosystem that benefits all participants—from nonbank originators to investors to homebuyers and communities.
Through strategic alliances and innovative solutions, Obsidian is revolutionizing the mortgage securitization process, driving efficiency, transparency, and financial benefits across the industry.
Obsidian is revolutionizing mortgage finance by leveraging blockchain technology to create a more efficient, transparent, and accessible investment platform for Class A Income Producing Mortgage Assets. Our decentralized finance (DeFi) approach directly connects nonbank mortgage originators to the capital markets, eliminating intermediaries and streamlining the entire process.
Obsidian's SAFE Agreements and Convertible Notes offer early-stage investors a unique opportunity to participate in our upcoming Security Token Offerings and receive attractive quarterly returns from excess servicing revenue. This innovative model benefits all stakeholders: nonbank originators can offer more competitive rates, leading to lower interest costs for homebuyers.
Join the mortgage revolution and contact Obsidian today at info@obsidianonecorp.com. Together, let's redefine the future of mortgage financing and unlock value for everyone involved.