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.

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The University has a long tradition of encouraging and supporting study abroad.
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More than 47 percent of Redlands undergraduates participate in study abroad programs.

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