UNDERWRITING PROCESS

We evaluate the credit worthiness of potential borrowers by incorporating both qualitative and quantitative measures. We weigh five characteristics of the borrower:

– Collateral
– Character
– Capacity
– Capital
– Conditions

REAL ESTATE SECURED

Our mortgage portfolio primarily comprises of residential loans secured by first or second mortgages. The total mortgage amount will not exceed 85% of the most recent of the property valuation. We further diversify our portfolio by funding a large number of smaller mortgages as opposed to just a few larger mortgages.

SHORT TERM LENDING

For reducing real estate valuation risk the majority of our mortgages are short-term, between 6-month to 1-year, allowing us to react and quickly adjust to the changing market conditions.