WinOAS™ is a comprehensive software solution designed for mortgage banking professionals to value Mortgage Servicing Rights (MSRs) across residential, commercial, and reverse mortgage sectors. It calculates loan-level cash flows and generates asset values, leveraging integrated, state-of-the-art default/prepayment models like CORE™. The software offers flexibility in analyzing pricing and risk, allowing users to modify prepayment models, export cash flow components, and conduct ROW analysis based on funding and MSR exit strategies. WinOAS™ generates asset valuation reports in multiple formats (PDF, XLS, HTML) and models future asset behavior based on collateral characteristics and market assumptions. It provides comprehensive SOX controls, detailed documentation, and access to daily Generic Servicing Assets (GSAs™) pricing. The platform integrates cash flows with collateral behavior assumptions for modified loans, offering unique insights into economic value. Key components include the CORE™ family of behavioral models, Recapture/Retention forecasting for voluntary prepayments, and a Term Structure Model supporting SOFR forward rate propagation and OID discounting.

Features & Benefits

• Mortgage Servicing Rights Valuation: Calculates loan-level cash flows and generates asset values for residential, commercial, and reverse mortgages.
• Integrated Behavioral Models: Utilizes state-of-the-art default/prepayment models like CORE™ to measure responses to economic factors.
• Flexible Pricing and Risk Analysis: Allows modification of prepayment models, export of cash flow components, and ROW analysis for MSR exit strategies.
• Comprehensive Reporting and Controls: Generates asset valuation reports in various formats and includes comprehensive SOX controls and documentation.
• Market Value Updates: Integrates cash flows with collateral behavior assumptions for modified loans to provide up-to-date market value insights.