THE MOUNTAINSEED DIFFERENCE

MountainSeed Advisors has a unique approach to valuing real estate loans that provides superior results over its competitors.  MountainSeed takes a loan by loan approach in their valuation method while most of the competition stratifies by pools and applies broad assumptions which can lead to inaccurate results.   One incorrect assumption applied to a whole pool of loans can lead to material misstatements in value. All real estate has unique qualities that are determinants in its value.  That is why we believe the only way to accurately value a real estate loan portfolio is to analyze the collateral and the borrower one loan at a time.   We take the following steps in valuing loan portfolios:

• Our clients want to know if the carrying value of loans is accurately reported on a bank’s balance sheet.  We thoroughly examine the bank’s entire loan portfolio and select a sample of loans based on the bank’s internal grading system, accrual status, past due status, largest borrower concentration, geographic location of the collateral, and the concentration of asset classes.
• Our valuation process begins after our sample is selected.  Our work starts with reading the credit and collateral files on a loan by loan basis.  This process allows us to identify qualitative factors that no model would ever recognize.  These factors can lead to huge variations in loan pricing.
• Our quantitative work involves building cash flow models for each piece of real estate collateral.  We observe market trends, interview local real estate professionals, and confer with loan officers and special asset managers to develop the most accurate and up to date inputs to include in our models.  It is the quality of our inputs that produce such accurate valuations.  We use real time data points and qualitative factors to build superior valuation models.
• Our findings reveal any collateral deficiencies on a loan by loan basis and from those deficiencies we report which ones are likely to result in any actual losses to the bank.  This type of analysis allows a user of our report to see not only a worst case downside scenario through the collateral deficiency total but it also provides the likely losses, if any, a financial institution can expect on their loan portfolio.
• While many of our competitors would be finished at this point, we are not.  We understand that you are our client and you deserve our attention and follow up after we present our findings.  We spend as much time as you need in explaining our results with you and your third parties, all at no additional cost. 
• We provide a superior service both in our finished work product and also in our client interaction.  We are in contact with our clients every step of the way and we are never too busy to take your questions, update you on our status, or present intermediate findings.

MountainSeed Advisors is a boutique research firm that provides superior valuation services using our proven methods and first class customer service by treating our clients like we would like to be treated.

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