Loan securitization pool having pre-defined requirements

A method for establishing a buy-out guarantee for a loan securitization pool, comprising:

• a) entering in a computing system a buy-out amount for which a broker will securitize constituent loans of a loan securitization pool;
• b) entering in the computing system a maturity amount for the loan securitization pool, the maturity amount being at least equal to the determined buy-out amount;
• c) using the computing system to track the balance of the loan securitization pool as loans are allocated to the loan securitization pool;
• and
• d) using the computing system to generate a notification when the balance of the loan securitization pool reaches the maturity amount.

A method for establishing a common conduit of lenders, comprising:

• a) determining a loan rule that is followed by a first lender;
• b) querying data storage to identify a second lender that follows the identified loan rule;
• and
• c) using a computing system to group the first lender and the second lender into the common conduit of lenders.

A system for establishing a loan securitization pool, comprising:

• a) an input device for entering a plurality of eligibility requirements for the loan securitization pool in a computer system;
• b) the input device also for entering the features of a loan in the computer system;
• and
• c) a computer processor, operatively connected to the input device and configured to:
• (1) retrieve the entered loan eligibility requirement;
• (2) retrieve the received loan application and determine the included loan feature;
• and
• (3) allow only applications for loans including a loan feature that satisfies the defined loan eligibility requirement to be allocated to the loan securitization pool.

Computer-readable media containing instructions executable by a computer that, when loaded and executed on a computer, performs a method of establishing a loan securitization pool, including:

• a) identifying a loan that meets the defined loan eligibility requirement;
• b) allocating the loan to the loan securitization pool;
• and
• c) increasing the balance of the loan securitization pool to reflect the amount of the allocated loan.

Computer-readable media containing instructions executable by a computer that, when loaded and executed on a computer, performs a method of establishing a buy-out guarantee for a loan securitization pool, including:

• a) receiving a buy-out amount for which a broker will purchase constituent loans of a loan securitization pool;
• b) calculating a maturity amount for the loan securitization pool, the maturity amount being at least equal to the received buy-out amount;
• c) tracking the balance of the loan securitization pool as loans are allocated to the loan securitization pool;
• and
• d) determining when the balance of the loan securitization pool reaches the maturity amount.

Computer-readable media containing instructions executable by a computer that, when loaded and executed on a computer, performs a method of establishing a common conduit of lenders, including:

• a) determining a loan rule that is followed by a first lender;
• b) querying data storage to identify a second lender that follows the identified loan rule;
• and
• c) grouping the first lender and the second lender into the common conduit of lenders.