Underwrite the whole picture.
Assess collateral value, lien position, documentation, payment history, servicing notes, and legal status. Evaluate potential outcomes against the time and expense required to achieve them.
What we buyResidential mortgage debt
Investing in distressed residential mortgage debt.
Equigrowth Capital acquires and manages distressed U.S. residential mortgage assets, combining disciplined underwriting with practical resolution strategies and a clear path to disposition.
Sell Mortgage NotesAcquisition assessment
Collateral · Pricing · Resolution scenarios
Due diligence
Documents · Title · Loan history
Closing & servicing
Transfer · Boarding · Active oversight
Resolution
The path depends on the asset.
Borrower workout
Where feasible
Modification & seasoning
or negotiated exit such as short sale or payoffLegal resolution
When necessary
Foreclosure, REO
or liquidationDisposition
Loan sale · Payoff · Property sale
- 01Disciplined acquisition
- 02Resolution-focused management
- 03Full lifecycle expertise
A specialist perspective
Understanding the debt.
Seeing the full asset.
A mortgage investment is more than its unpaid balance. The collateral, documentation, borrower circumstances and available resolution paths all shape its value.
Established in 2013, Equigrowth initially purchased foreclosed properties before expanding into distressed debt in 2017. That experience formed our practical approach to U.S. residential mortgage debt. We evaluate the details at acquisition and manage the decisions that follow.
Our investment approach
Discipline at every decision.
Loan-level analysis, realistic scenarios and active oversight from the first review to the final exit.
Find a practical resolution.
Consider borrower circumstances and the economics of each available path. Pursue sustainable workouts where feasible and legal resolution when necessary.
Our management approachPlan for disposition.
Manage modified loans through seasoning, assess re-performing loan sales, and oversee REO or other liquidation paths as the asset requires.
Resolution through dispositionAn experienced counterparty
Clear thinking.
Practical execution.
We work with whole loan mortgage sellers and industry counterparties who value a comprehensive overview and a clear understanding of the asset.
- Substantive asset review
- Attention to the documents, collateral and servicing details that influence a transaction.
- Realistic expectations
- Consideration of jurisdiction, legal timelines, expenses and alternative resolution scenarios.
- Continuity through the lifecycle
- Acquisition decisions informed by what comes next in servicing, resolution and disposition.
For asset sellers
A mortgage asset or portfolio to discuss?
Connect with Equigrowth to discuss a potential sale and the information available for review.