Liquid Mortgage is a post-origination mortgage blockchain solution aimed at lowering mortgage rates for borrowers, increasing transparency for lenders, and improving the overall efficiency and liquidity of the primary and secondary mortgage market.
Upon loan origination, Liquid Mortgage tokenizes the mortgage to create a unique loan-level digital asset. Liquid Mortgage then facilitates payments directly between borrowers and lenders, reducing the role and costs of a traditional mortgage servicer. All payments are validated and recorded on a blockchain, creating transparent and immutable loan-level records. Borrowers benefit by having one place to manage loans and payments, while also reducing the servicing fee imbedded in mortgage rates. Lenders benefit with immediate access to borrower payments, transparent data, and unique opportunities to structure and pool digital assets.
By helping borrowers and lenders connect directly, Liquid Mortgage creates a more efficient and transparent market, thereby increasing liquidity and lowering costs throughout the system.