Obsidian partners with non-bank mortgage originators, who account for over 75% of US mortgage loans, to streamline the process to capital markets.
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Step 2: Loan Pooling
Loans are pooled together, analyzed, and optimized for maximum cash flow, ensuring the highest revenue for investors while managing the interest rate movement risk.
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Step 3: Securitization
Obsidian's technology can facilitate the securitization process, reducing the number of steps from eleven to five.
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Step 4: Investor Distribution
Investors receive quarterly cash-on-cash returns, with a projected 12% per annum return on investment.
Why Invest in Obsidian
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Increased Originator Revenue
Obsidian's technology enables nonbank originators to sell their closed-end loans for more money, benefiting both the originators and homebuyers.
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High Return on Investment
Obsidian projects an estimated annual revenue of $250,000 for every $1 million invested, offering a significant return on investment.
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Exclusive Access to MSRs
Obsidian has exclusive access to over $1 billion in mortgage loan servicing rights over the next year, providing a strong foundation for growth.
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Experienced Management Team
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.
Revolutionize Your Mortgage Investments with Obsidian
Obsidian is pioneering a new era in mortgage financing by leveraging blockchain technology to create a more efficient, transparent, and accessible mortgage market. Through their decentralized finance (DeFi) approach, Obsidian connects nonbank mortgage loan originators directly to capital markets, eliminating intermediaries and streamlining the process.
With Obsidian's SAFE Agreements and Convertible Notes, early-stage investors can participate in the company's future Security Token Offerings and receive attractive quarterly returns from the excess servicing revenue. This innovative model benefits all stakeholders - nonbank originators can offer more competitive rates, allowing homebuyers to enjoy lower interest costs.
To learn how you can be part of this mortgage revolution, please contact Obsidian at info@obsidianonecorp.com. Together, we can redefine the future of mortgage financing and create value for all involved.
Benefits for All
Nonbank Originators
Nonbank originators benefit from increased revenue and a more efficient process, allowing them to focus on their core business.
Investors
Investors receive attractive returns on their investment, with a consistent and reliable income stream from Excess Servicing revenue.
Homebuyers
Homebuyers may benefit from lower interest rates as nonbank originators are able to offer more competitive rates due to increased revenue.
Communities
Obsidian's technology contributes to a more stable and efficient housing market, benefiting 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, 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.