Company: RWT-PA
Filing Date: 2025-01-16
Form Type: 424B5
Source: 0001104659-25-004099
Chunk: 52

Company: REDWOOD TRUST INC
Filing Date: 2025-01-16
Form: 424B5
Chunk 52
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 not historical in nature
and can be identified by words such as “anticipate,” “estimate,” “will,” “should,” “expect,”
“believe,” “intend,” “seek,” “plan,” and similar expressions or their negative forms,
or by references to strategy, plans, or intentions. These forward-looking statements are subject to risks and uncertainties, including,
among other things, those described in this prospectus and any accompanying prospectus supplement under the caption “Risk Factors.”
Other risks, uncertainties, and factors that could cause actual results to differ materially from those projected are summarized below
and described from time to time in reports we file with the SEC, including under the heading “Risk Factors” in our most recent
annual report on Form 10-K and subsequent quarterly reports on Form 10-Q and current reports on Form 8-K. We undertake
no obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise.

Important factors, among
others, that may affect our actual results include: the continued impact of the COVID-19 pandemic; the pace at which we redeploy our
available capital into new investments and initiatives; our ability to scale our platform and systems, particularly with respect to specific
initiatives; interest rate volatility, changes in credit spreads (the market value yield on a loan or security less the relevant risk-free
benchmark interest rate), and changes in liquidity in the market for real estate securities and loans; changes in the demand from investors
for residential mortgages and investments, and our ability to distribute residential mortgages through our whole-loan distribution channel;
our ability to finance our investments in securities and our acquisition of residential mortgages with short-term debt; the availability
of assets for purchase at attractive risk-adjusted returns and our ability to reinvest cash and the proceeds from the potential sale
of securities and investments we hold; changes in the values of assets we own; higher than expected operating expenses due to delays
or decreases in the realization of expected operating expense reductions related to the repositioning of our conforming mortgage banking
activities and commercial loan origination activities, and other unforeseen expenses; general economic trends, the performance of the
housing, real estate, mortgage, finance, and broader financial markets; the impact of changes to U.S. federal income tax laws on the
U.S. housing market, mortgage finance markets, and our business; federal and state legislative and regulatory developments, and the actions
of governmental authorities and entities;