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    Investor Relations :: SEC Filings


    SEC Filings

    Form 10-K
    DITECH HOLDING CORP filed this Form 10-K on 04/16/2019
    Document Outline
    Entire Document (24429.6 KB)
    Subdocument 1 - 10-K - 10-K
    Page 1 - UNITED STATES
    Page 2 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
    Page 3 - Safe Harbor Statement Under the Private Securities Litigation Reform Act of 1995
    Page 4 - N/A
    Page 5 - N/A
    Page 6 - PART I
    Page 7 - Delisting of our Common Stock
    Page 8 - N/A
    Page 9 - Business Segments
    Page 10 - N/A
    Page 11 - Subservicing
    Page 12 - Reverse Mortgage Segment
    Page 13 - Competition
    Page 14 - Transactions with NRM
    Page 15 - Rights Agreement
    Page 16 - Transfer Restrictions
    Page 17 - State Law
    Page 18 - Recent Regulatory Developments
    Page 19 - Reverse Mortgage Segment
    Page 20 - ITEM 1A. RISK FACTORS
    Page 21 - There can be no assurance that our Strategic Review will result in any bids representing higher or b
    Page 22 - The DHCP Plan contemplates that we will be a privately held company after emergence from the DHCP Ch
    Page 23 - In certain instances, a Chapter 11 case may be converted to a case under Chapter 7 of the Bankruptcy
    Page 24 - Our emergence from the WIMC Reorganization proceedings reduced or eliminated our tax attributes and
    Page 25 - N/A
    Page 26 - Our failure to comply with existing and future rules and regulations relating to the origination and
    Page 27 - Legal proceedings and related costs may increase and could adversely affect our financial results.
    Page 28 - We may not be able to generate sufficient cash to meet all of our obligations or service all of our
    Page 29 - Our business strategy may not be successful in returning us to profitability.
    Page 30 - Our mortgage servicing business involves significant operational risks.
    Page 31 - A downgrade in our servicer ratings could have an adverse effect on our business, financial conditio
    Page 32 - Ginnie Mae, with respect to GMBS for which we are the issuer and the servicer of the underlying mort
    Page 33 - Our subservicing clients can typically terminate our subservicing contracts with or without cause.
    Page 34 - Our failure to maintain or grow our servicing business could have a material adverse effect on our b
    Page 35 - Changes in prepayment rates on loans we service due to changes in interest rates, government mortgag
    Page 36 - We may not be able to grow our loan originations business, which could adversely affect our business
    Page 37 - The expiration of, or changes to, government mortgage modification, refinancing or other programs co
    Page 38 - We service and securitize reverse loans and, until early 2017, originated reverse loans, which subje
    Page 39 - If our estimated liability with respect to interest curtailment obligations arising out of servicing
    Page 40 - We may suffer operating losses as a result of not being fully reimbursed for certain costs and inter
    Page 41 - A loss of RMS' approved status under reverse loan programs operated by the FHA, HUD or Ginnie Mae co
    Page 42 - Failure to hedge effectively against interest rate changes may adversely affect our results of opera
    Page 43 - We may be unable to protect our technology or keep up with the technology of our competitors.
    Page 44 - Negative public opinion could damage our reputation and adversely affect our earnings.
    Page 45 - We use, and will continue to use, analytical models and data in connection with, among other things,
    Page 46 - Accounting rules for our business continue to evolve, are highly complex, and involve significant ju
    Page 47 - Our business could suffer if we fail to attract, or retain, highly skilled senior managers and other
    Page 48 - Our authorized but unissued shares of common and preferred stock may prevent a change in our control
    Page 49 - Walter Energy Tax Matters.
    Page 50 - ITEM 1B. UNRESOLVED STAFF COMMENTS
    Page 51 - DHCP Reorganization Proceedings
    Page 52 - Kamimura, Lee C. v. Green Tree Servicing LLC
    Page 53 - ITEM 4. MINE SAFETY DISCLOSURES
    Page 54 - PART II
    Page 55 - Issuer Purchases of Equity Securities
    Page 56 - N/A
    Page 57 - Investments in MSR
    Page 58 - Servicing -
    Page 59 - Financial Highlights
    Page 60 - Emergence from the WIMC Reorganization Proceedings
    Page 61 - Second Lien Notes
    Page 62 - Servicer Advance Financing Facilities
    Page 63 - Results of Operations Comparison of Consolidated Results of Operations (dollars in thousands):
    Page 64 - Net Servicing Revenue and Fees
    Page 65 - Interest Income on Loans
    Page 66 - N/A
    Page 67 - Depreciation and Amortization
    Page 68 - Net Losses on Extinguishment of Debt
    Page 69 - Non-GAAP Financial Measures
    Page 70 - N/A
    Page 71 - Adjusted EBITDA
    Page 72 - Reconciliation of GAAP Consolidated Income (Loss) Before Income Taxes to Adjusted EBITDA (in thousan
    Page 73 - N/A
    Page 74 - Servicing Segment
    Page 75 - Mortgage Loan Servicing Portfolio
    Page 76 - N/A
    Page 77 - Net Servicing Revenue and Fees
    Page 78 - Servicing Rights Carried at Fair Value
    Page 79 - Interest Income on Loans
    Page 80 - Interest Expense
    Page 81 - Other Losses
    Page 82 - Originations Segment
    Page 83 - N/A
    Page 84 - Net Gains on Sales of Loans
    Page 85 - Other Revenues
    Page 86 - Adjusted EBITDA
    Page 87 - Reverse Mortgage Segment
    Page 88 - Reverse Mortgage Servicing Portfolio
    Page 89 - Net Fair Value Gains on Reverse Loans and Related HMBS Obligations
    Page 90 - Net Servicing Revenue and Fees
    Page 91 - General and Administrative Expenses
    Page 92 - Corporate and Other Non-Reportable Segment
    Page 93 - General and Administrative Expenses
    Page 94 - DHCP Chapter 11 Cases
    Page 95 - N/A
    Page 96 - DHCP DIP Warehouse Facilities
    Page 97 - Servicing Advance Facilities
    Page 98 - Early Advance Reimbursement Agreement
    Page 99 - Representations and Warranties
    Page 100 - Reverse Mortgage Business
    Page 101 - Reverse Loan Securitizations
    Page 102 - Reverse Loan Servicer Obligations
    Page 103 - N/A
    Page 104 - N/A
    Page 105 - Second Lien Notes
    Page 106 - Corporate Debt - Pre-Bankruptcy Emergence (WIMC)
    Page 107 - Senior Notes
    Page 108 - Contractual Obligations
    Page 109 - Certain Capital Requirements and Guarantees
    Page 110 - Investing Activities
    Page 111 - Real Estate Market Risk
    Page 112 - Impact of Inflation and Changing Prices
    Page 113 - Servicer Ratings
    Page 114 - Off-Balance Sheet Arrangements
    Page 115 - N/A
    Page 116 - Reverse Loans and HMBS Related Obligations
    Page 117 - Interest Rate Lock Commitments
    Page 118 - Other Long-Lived Assets
    Page 119 - Fresh Start Accounting
    Page 120 - Glossary of Terms
    Page 121 - Charged-off loans
    Page 122 - DHCP RSA
    Page 123 - GTAAFT Facility
    Page 124 - Net realizable value
    Page 125 - SEC
    Page 126 - Walter Investment Management
    Page 127 - ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
    Page 128 - Servicing Rights Carried at Fair Value
    Page 129 - Residential Loans Held for Sale and Related Freestanding Derivatives
    Page 130 - Mortgage Loans and Related Mortgage-backed Debt
    Page 131 - Changes in Internal Control Over Financial Reporting
    Page 132 - ITEM 9B. OTHER INFORMATION
    Page 133 - PART III
    Page 134 - PART IV
    Page 135 - INDEX TO EXHIBITS
    Page 136 - N/A
    Page 137 - N/A
    Page 138 - N/A
    Page 139 - N/A
    Page 140 - N/A
    Page 141 - N/A
    Page 142 - N/A
    Page 143 - N/A
    Page 144 - N/A
    Page 145 - N/A
    Page 146 - N/A
    Page 147 - SIGNATURES
    Page 148 - N/A
    Page 149 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
    Page 150 - Report of Independent Registered Public Accounting Firm
    Page 151 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
    Page 152 - N/A
    Page 153 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
    Page 154 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
    Page 155 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
    Page 156 - CONSOLIDATED STATEMENTS OF CASH FLOWS
    Page 157 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
    Page 158 - Use of Estimates
    Page 159 - N/A
    Page 160 - 2. Emergence from the WIMC Reorganization Proceedings
    Page 161 - Reorganization Items and Fresh Start Accounting Adjustments
    Page 162 - Fresh Start Accounting
    Page 163 - N/A
    Page 164 - N/A
    Page 165 - 3. Significant Accounting Policies
    Page 166 - Residential Loans at Amortized Cost, Net
    Page 167 - Loan Modifications
    Page 168 - Residential Loans Held for Sale
    Page 169 - Receivables Related to Non-Residual Trusts
    Page 170 - Servicer and Protective Advances, Net
    Page 171 - Premises and Equipment, Net
    Page 172 - Debt and Other Obligations
    Page 173 - Advertising Costs
    Page 174 - NRM Subservicing Agreement
    Page 175 - 5. Variable Interest Entities
    Page 176 - Servicer and Protective Advance Financing Facilities
    Page 177 - Revolving Credit Facilities-Related VIEs
    Page 178 - N/A
    Page 179 - Unconsolidated Variable Interest Entities
    Page 180 - Transfers of Reverse Loans
    Page 181 - 7. Fair Value
    Page 182 - Items Measured at Fair Value on a Recurring Basis
    Page 183 - N/A
    Page 184 - N/A
    Page 185 - N/A
    Page 186 - Residential loans
    Page 187 - N/A
    Page 188 - Fair Value Option
    Page 189 - Items Measured at Fair Value on a Non-Recurring Basis
    Page 190 - Fair Value of Other Financial Instruments
    Page 191 - Servicing advance liabilities
    Page 192 - 8. Freestanding Derivative Financial Instruments
    Page 193 - Allowance for Loan Losses
    Page 194 - 10. Residential Loans at Fair Value
    Page 195 - Credit Risk
    Page 196 - 13. Servicing of Residential Loans
    Page 197 - Net Servicing Revenue and Fees
    Page 198 - Servicing Rights Carried at Fair Value
    Page 199 - Fair Value of Originated Servicing Rights
    Page 200 - 14. Goodwill and Intangible Assets, Net
    Page 201 - N/A
    Page 202 - 15. Premises and Equipment, Net
    Page 203 - 17. Payables and Accrued Liabilities
    Page 204 - N/A
    Page 205 - N/A
    Page 206 - 18. Servicing Advance Liabilities
    Page 207 - 19. Warehouse Borrowings
    Page 208 - N/A
    Page 209 - 20. Corporate Debt
    Page 210 - N/A
    Page 211 - Second Lien Notes
    Page 212 - Senior Notes
    Page 213 - 22. HMBS Related Obligations
    Page 214 - Stock Options
    Page 215 - Method and Assumptions Used to Estimate Fair Values of Performance-Share Awards
    Page 216 - Share-Based Compensation Expense
    Page 217 - N/A
    Page 218 - N/A
    Page 219 - Uncertain Tax Positions
    Page 220 - 25. Equity and Earnings (Loss) Per Share
    Page 221 - Termination of Rights Agreement
    Page 222 - Dividends on Common Stock
    Page 223 - 26. Supplemental Disclosures of Cash Flow Information
    Page 224 - 27. Segment Reporting
    Page 225 - N/A
    Page 226 - 28. Certain Capital Requirements and Guarantees
    Page 227 - 29. Commitments and Contingencies
    Page 228 - Unfunded Commitments
    Page 229 - Mortgage Origination Contingencies
    Page 230 - Mortgage Loans
    Page 231 - Courtney Elkin, et al. vs. Walter Investment Management Corp., et al.
    Page 232 - Michael E. Vacek, Jr., et al. vs. George M. Awad, et al
    Page 233 - Tax Separation Agreement
    Page 234 - Key Employee Retention Plan and Severance Benefits
    Page 235 - 30. Quarterly Results of Operations (Unaudited)
    Page 236 - 31. Subsequent Events
    Page 237 - DHCP DIP Warehouse Facilities
    Page 238 - Ginnie Mae Notice of Violation
    Page 239 - Ditech Holding Corporation
    Page 240 - Ditech Holding Corporation
    Page 241 - Ditech Holding Corporation
    Page 242 - Ditech Holding Corporation
    Page 243 - Reorganization Items and Fresh Start Accounting Adjustments
    Page 244 - 5. Subsequent Events
    Page 245 - N/A
    Page 246 - DHCP DIP Warehouse Facilities
    Subdocument 2 - EX-10.28.11 - EXHIBIT 10.28.11
    Page 1 - DITECH AGENCY ADVANCE TRUST,
    Page 2 - TABLE OF CONTENTS
    Page 3 - U.S. CREDIT RISK RETENTION....................................................24
    Page 4 - Indenture SupplementEffective DateIssuerWells FargoIndenture TrusteeCalculation AgentPaying AgentSec
    Page 5 - Section 1. Creation of Series 2019-VF1 Notes.
    Page 6 - Advance Rates
    Page 7 - Cash Equivalents
    Page 8 - multiplied by
    Page 9 - GAAP
    Page 10 - Interest Day Count Convention
    Page 11 - Maximum Committed Purchase PriceSection 18
    Page 12 - Petition Date
    Page 13 - RMS Repurchase Agreement
    Page 14 - providedhoweverprovidedhowever
    Page 15 - Section 4(b)
    Page 16 - Trust Agreement
    Page 17 - Section 5.Administrative Agent.
    Page 18 - provided that
    Page 19 - Section 4.5
    Page 20 - Section 9.Increased Costs.
    Page 21 - Section 4.5(a)(1)(ii)Section 4.5(a)(2)(iv)providedhoweverSection 4.5(a)(1)(ix)Section 4.5(a)(2)(iv)
    Page 22 - Series Calculation Agent ReportSection 3.1
    Page 23 - Limitation on Indenture Trustee Duties
    Page 24 - providedhowever
    Page 25 - Section 6.10Article XIISection 12.2
    Page 26 - Section 16Section 16
    Page 27 - Section 21.Conditions Precedent to Effectiveness of this Indenture Supplement.
    Page 28 - Section 24.Choice of Law.
    Page 29 - If to Barclays Bank PLC, as Administrative Agent
    Page 30 - IN WITNESS WHEREOF,
    Page 31 - N/A
    Page 32 - DITECH FINANCIAL LLC
    Page 33 - N/A
    Page 34 - SCHEDULE 1
    Page 35 - Exhibit A
    Page 36 - Exhibit B
    Subdocument 3 - EX-10.29.9 - EXHIBIT 10.29.9
    Page 1 - N/A
    Page 2 - Table of Contents
    Page 3 - Indenture SupplementEffective DateIssuerWells FargoIndenture TrusteeCalculation AgentPaying AgentSec
    Page 4 - N/A
    Page 5 - Section 1. Creation of Series 2019-VF1 Notes.
    Page 6 - Administrative Agent
    Page 7 - Barclays Purchaser Group
    Page 8 - per annum
    Page 9 - Hague ConventionSection 12(g)
    Page 10 - Issuance Date
    Page 11 - Maximum Weighted Average Advance Rate
    Page 12 - Omnibus Agreement
    Page 13 - Series 2019-VF1 Note Balance
    Page 14 - Target Amortization Event
    Page 15 - N/A
    Page 16 - Transaction Documents
    Page 17 - per annum
    Page 18 - Section 5. Administrative Agent.
    Page 19 - Section 5
    Page 20 - Section 8
    Page 21 - clause 4.5(a)(2)(iii)(D)firstsecondthirdfourth
    Page 22 - pro rata
    Page 23 - Section 9. Increased Costs.
    Page 24 - N/A
    Page 25 - Increased Costsprovidedhowever
    Page 26 - Limitation on Indenture Trustee Duties
    Page 27 - Section 12. Representations and Warranties; Covenants.
    Page 28 - DIP Administrative Agent
    Page 29 - Section 13. Amendments.
    Page 30 - Section 14. Counterparts.
    Page 31 - Section 16Section 16
    Page 32 - Section 19. Assignment.
    Page 33 - Section 23. No Petition.
    Page 34 - AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW) AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE
    Page 35 - N/A
    Page 36 - N/A
    Page 37 - IN WITNESS WHEREOF,
    Page 38 - N/A
    Page 39 - N/A
    Page 40 - SCHEDULE 1
    Page 41 - Exhibit A
    Page 42 - Exhibit B
    Subdocument 4 - EX-10.30.6 - EXHIBIT 10.30.6
    Page 1 - Execution Copy
    Page 2 - TABLE OF CONTENTS
    Page 3 - N/A
    Page 4 - SCHEDULES AND EXHIBITS
    Page 5 - AMENDED AND RESTATED
    Page 6 - providedSection 3(j)Transaction
    Page 7 - Accrual Periodprovided
    Page 8 - Aged REO Property
    Page 9 - Bank
    Page 10 - clause (c)clause (c)clauses (a)(g)
    Page 11 - Converted REO PropertySection 3(j)(iv)
    Page 12 - Eligible Ginnie Mae Tail HMBSExhibit B-4
    Page 13 - FHA
    Page 14 - Guarantor
    Page 15 - Indebtedness
    Page 16 - LLC Agreement
    Page 17 - Monthly Payment Date
    Page 18 - Nominee
    Page 19 - Omnibus Agreement
    Page 20 - Program Documents
    Page 21 - Section 7(b)
    Page 22 - Records
    Page 23 - Repurchase PriceSection 3(f)
    Page 24 - Securitization Entityclause (i)provided
    Page 25 - Servicing Records
    Page 26 - Verification Agent
    Page 27 - provided
    Page 28 - Required RecipientRequired Delivery ItemRequired Delivery TimeRequired Purchase Time
    Page 29 - Section 3(f)
    Page 30 - Breakage CostsSection 3(h)
    Page 31 - Direct Transfer REO Property
    Page 32 - provided(x)(y)clause (iii)
    Page 33 - Confirmation
    Page 34 - clauses (ii) (iv)Margin DeficitMargin CallAdditional Purchased Mortgage Loansprovided
    Page 35 - TaxesSection 8(d)
    Page 36 - Section 8(d)Section 8(d)Section 8Section 8(a)Section 8(c)providedhoweverSection 8(d)
    Page 37 - Section 8Section 8
    Page 38 - Exhibit Dclause (F)
    Page 39 - Section 18
    Page 40 - providedprovidedfurther
    Page 41 - N/A
    Page 42 - clause (a)Section 10
    Page 43 - Section 3(f)Sections 1516(f)(ii)
    Page 44 - Due Organization, Qualification, Power, Authority and Due Authorization
    Page 45 - Valid and Binding Obligations
    Page 46 - Reserved
    Page 47 - Good Title
    Page 48 - Defense of Title
    Page 49 - No Economic Interest
    Page 50 - providedhowever
    Page 51 - providedhoweverclause (5)
    Page 52 - providedhoweverclause (6)
    Page 53 - N/A
    Page 54 - Maintenance of Approvals
    Page 55 - Affiliate Transaction
    Page 56 - REO Subsidiary Governing Documents
    Page 57 - Most Favored StatusSection 14(g)(ii)More Favorable Agreementprovided
    Page 58 - RMS to Subservice
    Page 59 - Servicing TermprovidedSection 14(t)
    Page 60 - Section 16(f)
    Page 61 - Section 16(i)
    Page 62 - Section 16(i)Section 16(i)
    Page 63 - N/A
    Page 64 - Section 9(b)
    Page 65 - N/A
    Page 66 - Indemnified Party
    Page 67 - Section 23(a)
    Page 68 - Section 23(a)Section 23(a)
    Page 69 - providedRegisterAssignment and Acceptance
    Page 70 - Participations
    Page 71 - SECTION 5
    Page 72 - Section 18Section 18
    Page 73 - providedSections 618
    Page 74 - N/A
    Page 75 - N/A
    Page 76 - SECprovided
    Page 77 - N/A
    Page 78 - Section 37
    Page 79 - Section 38
    Page 80 - Section 42
    Page 81 - Section 10
    Page 82 - /s/ Andrew Dokos
    Page 83 - EXHIBIT A
    Page 84 - EXHIBIT B-1
    Page 85 - N/A
    Page 86 - N/A
    Page 87 - N/A
    Page 88 - EXHIBIT B-2
    Page 89 - Consents and Approvals
    Page 90 - Conveyance; First Priority Lien
    Page 91 - EXHIBIT B-3
    Page 92 - REO Property as Described
    Page 93 - No Condemnation
    Page 94 - FHA
    Page 95 - EXHIBIT B-4
    Page 96 - Margin Regulations
    Page 97 - EXHIBIT C
    Page 98 - Receipted Assets
    Page 99 - N/A
    Page 100 - SCHEDULE 1 TO TRANSACTION NOTICE
    Page 101 - EXHIBIT D
    Page 102 - N/A
    Page 103 - NOTICE OF ASSIGNMENT, SALE OR TRANSFER
    Page 104 - Section 6
    Page 105 - EXHIBIT E
    Page 106 - N/A
    Page 107 - N/A
    Page 108 - EXHIBIT F
    Page 109 - EXHIBIT G
    Page 110 - EXHIBIT H
    Subdocument 5 - EX-10.34 - EXHIBIT 10.34
    Page 1 - Execution Copy
    Page 2 - TABLE OF CONTENTS
    Page 3 - SCHEDULES
    Page 4 - PARTICIPATION INTEREST SALE AND CONTRIBUTION AGREEMENT
    Page 5 - ARTICLE I
    Page 6 - Closing Date Stated Principal Balance
    Page 7 - Executive OrderSection 3.02(u)
    Page 8 - Loss
    Page 9 - Mortgage Assets
    Page 10 - Exhibits A-1A-2
    Page 11 - Servicer
    Page 12 - Closing Date Statement
    Page 13 - Defect Cure Period
    Page 14 - N/A
    Page 15 - Section 3.02Representations and Warranties Respecting the Mortgage Assets.
    Page 16 - N/A
    Page 17 - N/A
    Page 18 - N/A
    Page 19 - Executive OrderOFAC Regulations
    Page 20 - N/A
    Page 21 - N/A
    Page 22 - Section 3.03Disclaimer of Representations and Warranties Expressed Herein.
    Page 23 - Section 3.02(bb)
    Page 24 - 3.02Sections 2.04(b)
    Page 25 - Due Authority
    Page 26 - Use of Seller s Name
    Page 27 - provided
    Page 28 - Section 4.02Sale Treatment.
    Page 29 - Section 4.05Reproduction of Documents.
    Page 30 - Section 4.08Governing Law; Forum.
    Page 31 - Section 4.10Severability Clause.
    Page 32 - RepresentativesSection 4.12Section 4.12
    Page 33 - Section 4.13Entire Agreement.
    Page 34 - IN WITNESS WHEREOF
    Page 35 - RMS 2018-09, LLC,
    Page 36 - SCHEDULE I
    Page 37 - SCHEDULE II
    Page 38 - Wire Instructions
    Page 39 - RMS (4)
    Page 40 - EXHIBIT A-1
    Page 41 - EXHIBIT A-2
    Page 42 - EXHIBIT B
    Page 43 - EXHIBIT C-1
    Page 44 - EXHIBIT C-2
    Page 45 - EXHIBIT D
    Page 46 - Annex I to Exhibit D
    Page 47 - N/A
    Page 48 - Schedule 4.01
    Page 49 - N/A
    Subdocument 6 - EX-10.38 - EXHIBIT 10.38
    Page 1 - Execution Copy
    Page 2 - Page
    Page 3 - N/A
    Page 4 - Schedule 1
    Page 5 - BarclaysBuyerCommitted BuyerNomuraBuyerCommitted BuyerSeller
    Page 6 - 1. Applicability
    Page 7 - Additional BuyersSection 42
    Page 8 - Appraised Value
    Page 9 - Section 22Section 11
    Page 10 - Committed Mortgage Loan
    Page 11 - Correspondent Seller
    Page 12 - EEA Member Country
    Page 13 - Excluded TaxesSection 11.e(ii)
    Page 14 - FCA
    Page 15 - Governmental Authority
    Page 16 - Income
    Page 17 - Lender Insurance Authority
    Page 18 - MERS
    Page 19 - Mortgage Note
    Page 20 - Non-Performing Mortgage Loan
    Page 21 - PBGC
    Page 22 - Pro Rata Portions
    Page 23 - Repledgee
    Page 24 - Servicer Notice
    Page 25 - Take-out Investor
    Page 26 - VA Approved Lender
    Page 27 - Intraday Funding
    Page 28 - 4.Repurchase
    Page 29 - Section 7
    Page 30 - Margin ExcessExcess Margin Notice
    Page 31 - 8.Security Interest
    Page 32 - 9.Payment and Transfer
    Page 33 - Required Documents
    Page 34 - Section 11.eSection 11.e
    Page 35 - Section 11Section 11.e(ii) (A)
    Page 36 - Section 11.e
    Page 37 - Section 12.e)
    Page 38 - 13.Representations and Warranties
    Page 39 - Solvency
    Page 40 - Material Adverse Change
    Page 41 - Adjusted Tangible Net Worth
    Page 42 - Plan Assets
    Page 43 - Litigation
    Page 44 - Security Interest
    Page 45 - Books
    Page 46 - Transactions with Affiliates
    Page 47 - No Pledge
    Page 48 - Lender Insurance Authority
    Page 49 - 15.Events of Default
    Page 50 - N/A
    Page 51 - Section 16.g)
    Page 52 - Financial Notices
    Page 53 - Section 17.b(1)(2)(3)
    Page 54 - Portfolio Performance Data
    Page 55 - Repledge TransactionRepledgee
    Page 56 - N/A
    Page 57 - 21.Entire Agreement; Severability
    Page 58 - ParticipationsSection 7
    Page 59 - 25.No Waivers, Etc.
    Page 60 - FDICIA
    Page 61 - Section 28
    Page 62 - Section 16
    Page 63 - Confidential InformationAct
    Page 64 - 34.Periodic Due Diligence Review
    Page 65 - Schedule 2Schedule 2Schedule 2
    Page 66 - 39.Conflicts
    Page 67 - Section 16
    Page 68 - Affected Party
    Page 69 - 48.Notice Regarding Client Money Rules
    Page 70 - /s/ Joseph O Doherty
    Page 71 - Schedule 1
    Page 72 - No Defenses
    Page 73 - Environmental Compliance
    Page 74 - Valid First Lien
    Page 75 - Full Disbursement of Proceeds
    Page 76 - Schedule 1
    Page 77 - Origination; Payment Terms
    Page 78 - No Additional Collateral
    Page 79 - Collection Practices; Escrow Deposits; Interest Rate Adjustments
    Page 80 - Construction or Rehabilitation of Mortgaged Property
    Page 81 - Mortgage Submitted for Recordation
    Page 82 - Tax Service
    Page 83 - Co-op Loan: Valid First Lien
    Page 84 - TRID Compliance
    Page 85 - Schedule 2
    Page 86 - ADMINISTRATIVE AGENT AND BARCLAYS (AS A BUYER) AUTHORIZATIONS
    Page 87 - NOMURA AUTHORIZATIONS
    Page 88 - RESERVED
    Page 89 - RESERVED
    Page 90 - FORM OF TRANSACTION NOTICE
    Page 91 - Schedule 1
    Page 92 - N/A
    Page 93 - SCHEDULE 1 TO TRANSACTION NOTICE
    Page 94 - FORM OF POWER OF ATTORNEY
    Page 95 - N/A
    Page 96 - N/A
    Page 97 - N/A
    Page 98 - RESERVED
    Page 99 - RESERVED
    Page 100 - SELLER S TAX IDENTIFICATION NUMBER
    Page 101 - FORM OF CORRESPONDENT SELLER RELEASE
    Page 102 - N/A
    Page 103 - FORM OF ADDENDUM TO ESCROW INSTRUCTIONS TO BE PROVIDED BY SELLER BEFORE CLOSING
    Page 104 - N/A
    Page 105 - FORM OF SERVICER NOTICE
    Page 106 - N/A
    Subdocument 7 - EX-10.39 - EXHIBIT 10.39
    Page 1 - EXECUTION VERSION
    Page 2 - Definitionsviceversa
    Page 3 - Ditech
    Page 4 - Party
    Page 5 - Margin for All Obligations
    Page 6 - Buyer Entities May Act Through Administrative Agent
    Page 7 - Appointment as Attorney in Fact
    Page 8 - Representations, Warranties and Covenants
    Page 9 - Uniform Commercial Code Filings
    Page 10 - Section 13(d)Section 13(a)Section 13(b)Section 13(a)
    Page 11 - GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF TH
    Page 12 - AGREEMENT OR IN ANY OTHER RELATED AGREEMENT SHALL AFFECT ANY RIGHT THAT THE ADMINISTRATIVE AGENT MAY
    Page 13 - N/A
    Page 14 - /s/ Joseph O Doherty
    Page 15 - /s/ Vincent Primiano
    Page 16 - /s/ Joanna Colaneri
    Page 17 - /s/ Joanna Colaneri
    Subdocument 8 - EX-10.40 - EXHIBIT 10.40
    Page 1 - Administrative Agent
    Page 2 - TABLE OF CONTENTS
    Page 3 - Master Refinancing AgreementBarclaysAdministrative AgentNomuraBarclays CapitalNomura SecuritiesDitec
    Page 4 - SAF Agency Indenture Supplement
    Page 5 - ARTICLE 1:DEFINITIONS
    Page 6 - Act of Insolvency
    Page 7 - et seq
    Page 8 - Chapter 11 Milestones
    Page 9 - DIP Guaranty
    Page 10 - Ditech/Fannie Agreement
    Page 11 - inter alia
    Page 12 - inter alia
    Page 13 - Maximum Available Funding
    Page 14 - Officer s Compliance Certificate
    Page 15 - Purchased Assets
    Page 16 - SAF PLS Issuer
    Page 17 - VFN Draws
    Page 18 - N/A
    Page 19 - A.Third Party Beneficiary
    Page 20 - ARTICLE 4:CERTAIN COVENANTS
    Page 21 - Other RMS Financial Covenants
    Page 22 - Breach of Representation
    Page 23 - Loss or Suspension of Servicer or Issuer Status
    Page 24 - RSA Termination
    Page 25 - Inability to Performprovidedthat
    Page 26 - Security Interest
    Page 27 - N/A
    Page 28 - ARTICLE 7:FEES AND EXPENSES
    Page 29 - E.
    Page 30 - B.Other Reporting
    Page 31 - F.Counterparts
    Page 32 - J.Notices
    Page 33 - M.JURISDICTIONEACH PARTY HERETO IRREVOCABLY AND UNCONDITIONALLY AGREES THAT IT WILL NOT COMMENCE ANY
    Page 34 - O.General Interpretive Principles
    Page 35 - N/A
    Page 36 - /s/ Joseph O Doherty
    Page 37 - /s/ Kelvin Ji
    Page 38 - /s/ Joanna Colaneri
    Page 39 - SCHEDULE I
    Page 40 - SCHEDULE II
    Page 41 - N/A
    Page 42 - N/A
    Page 43 - EXHIBIT A
    Page 44 - EXHIBIT B
    Subdocument 9 - EX-21 - EXHIBIT 21
    Page 1 - N/A
    Subdocument 10 - EX-31.1 - EXHIBIT 31.1
    Page 1 - N/A
    Subdocument 11 - EX-31.2 - EXHIBIT 31.2
    Page 1 - N/A
    Subdocument 12 - EX-32 - EXHIBIT 32
    Page 1 - N/A
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