The Securitization of Mortgages

Securitization is not new; however, as Robert Kolb of Loyola University has noted, the traditional “originate-to-hold” model of selling and servicing a mortgage has given way to a “originate-to-sell” model. Accompanying this new model is a systemic lack of knowledge as to who will ultimately bare the risk of underlying mortgages and a loss of the sense of responsibility for guaranteeing the credit worthiness of the underlying debt holder.

Click here to view


University of Redlands students contribute more than 100,000 hours of community service annually.
students helping the community

All as part of our time-honored tradition of putting their passion, knowledge and heart to work for the betterment of the world.

Bulldogs in Service »