The A Team for Plan B

Recovering Value After a GSE Repurchase: A Tiered Resale Strategy

Overview
Repurchased loans are often treated as stranded assets—but with a focused resale strategy, originators can reduce exposure and recover meaningful value. This framework outlines a step-by-step approach to evaluate and exit repurchased loans based solely on market resale opportunities.

Tiered Resale Strategy
1. Portfolio Segmentation

  • Classify loans based on key characteristics:
  • Re-performing loans
  • Early-stage delinquent loans
  • Non-performing or scratch & dent assets


2. Buyer Alignment

  • Match each loan type to the right buyer profile:
  • Scratch & Dent buyers for loans with minor defects or performance history
  • NPL buyers for seriously delinquent or charged-off assets
  • Regional buyers targeting loans in specific geographic footprints


3. Resale Execution

  • Pooled Sales: Grouped offerings for pricing efficiency
  • One-Off Sales: Individual loan placements when portfolios are small or assets are unique


What This Is Not
This strategy does not include loan rework, documentation repair, or repositioning. The focus is strictly on facilitating a compliant, market-driven exit through direct resale.

Single Loans or Pools Welcome
Whether you’re managing a small batch or just one loan, this strategy is scalable—and often starts with a single transaction.


If you’re evaluating next steps, let's talk. 831.233.1626