March 2024 Investor Day Recap

Redwood Residential Differentiators

Relationship Focused

Each originator has a dedicated Relationship Manager, Client Services Representative, and Jumbo Underwriter that collectively support sellers through every step of the loan selling process.

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Redwood is focused on helping our loan seller partners succeed and provide their customers solutions in today’s housing environment. We have dedicated Redwood underwriters that can respond to guideline questions, scenarios, and exceptions. We offer extremely responsive and high-touch customer service. If you have any questions or are looking to speaking to a member of our customer service team, please reach out to your Redwood underwriter. In addition, we can also offer your loan seller teams monthly credit and loan officer training.


Operational Excellence

In a market where selling jumbo loans can at times be challenging, Redwood Residential sets itself apart as a high-touch customer service investor with fast and efficient turn and response times.

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In a market where selling jumbo loans can at times be challenging, Redwood Residential sets itself apart as a high-touch customer service investor with fast and efficient turn and response times.

We pride ourselves on the quality of our products, our service and our execution. Across our three decades of performance, our loan sellers have looked to Redwood for bespoke solutions, customized trainings and certainty of execution. We hold sacred the role we play in partnering with our loan sellers to support the dream of homeownership for their borrowers.


Wide Range of Programs

From super-prime loans to expanded credit products, Redwood Residential is a one-stop shop for Fixed and Adjustable-Rate non-conforming loan options.

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Select, Select 90

Redwood Residential’s flagship Select program, designed for the prime jumbo borrower, is our most competitively priced option with the greatest degree of flexibility.


Select AUS, Agency High Balance

For sellers who are looking to increase scalability by leveraging AUS technology for non-conforming loan amounts, Redwood Residential offers two options: Select AUS and Agency High-Balance.


Choice Program

Featuring options for loan limits on non-warrantable condos down to $300,000, excess acreage, higher limits on financed properties, and non-occupant co-borrowers, our Choice program is perfect for the near-miss prime jumbo transaction.


Choice Expanded, Bank Statements, DSCR

Redwood Residential Expanded Programs include a Bank Statement product, our Choice Expanded product and a DSCR product. Offering these programs help to make financing more accessible for self-employed borrowers, those needing to exclude departure residence payment to qualify and investment entities that wish to qualify their investment properties based on cash flow instead of personal income.



We have two solutions for sellers who are looking to help clients access the equity in their homes:

  1. Our Aspire platform directly originates home equity investments (“HEI”), allowing homeowners to access home equity without taking on additional monthly payments or refinancing their low-cost senior mortgage.
  2. We also offer our sellers a fully delegated, stand-alone closed-end second (“CES”) lien program which allows homeowners to access up to $350k of their home equity.

Common Sense Exceptions

Redwood Residential has a flexible approach to underwriting and can grant exceptions to our guidelines on loans with strong compensating factors.

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You probably know Redwood offers many options for today’s jumbo borrowers, but you might not realize how many different exceptions Redwood offers to help homeowners get the financing that works for them.

Common exceptions:

  • Credit tradelines
  • Credit Score
  • Loan Amount
  • Unique Properties
  • Acreage
  • Cash-out over maximum

Cumulative Loans Purchased Since 2013

(in billions)

Note: Excludes conforming loans (2013-2016).

Contact Us

For Approved Sellers: If you are a Loan Officer and have a scenario you wish to discuss, please reach out to your internal Underwriting team.

If you are an Underwriter with a guideline question or scenario and are unsure who to contact from Redwood, please reach out to [email protected]

If you are interested in becoming a delegated correspondent seller* to Redwood, please fill out the form provided.

*Redwood Residential does not work with brokers directly.

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Source: Redwood Trust, Inc. data as of March 31, 2024.

Disclaimer: Redwood Residential Acquisition Corporation does not offer or originate mortgage loans to consumers. This website is a business-to-business website related to Redwood Residential Acquisition Corporation’s business of purchasing mortgage loans from third-party sellers and originators.

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