Company: RWT-PA
Filing Date: 2025-11-07
Form Type: 424B5
Source: 0001104659-25-108580
Chunk: 5

Company: REDWOOD TRUST INC
Filing Date: 2025-11-07
Form: 424B5
Chunk 5
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 about future events. These forward-looking statements, which are subject to risks, uncertainties and assumptions about us, may include, among other things, statements that address our strategy, operating and financial performance and events or developments that we expect or anticipate will occur in the future, including, but not limited to, our statements in “Summary — The Offering” on page S-2 and “Use of Proceeds” on page S-7 regarding our intended use of the proceeds of this offering.

These forward-looking statements are not guarantees of future performance and are subject to certain risks, uncertainties and assumptions that are difficult to predict; therefore, actual results may differ materially from those expressed or forecasted in any forward-looking statements. The risks and uncertainties include those described in our most recent Annual Report on Form 10-K filed with the SEC and in our subsequent filings under the Exchange Act as well as those referenced in “Risk Factors” below. Important factors that we think could cause our actual results to differ materially from expected results are summarized below. Other factors besides those listed could also adversely affect us. Any forward-looking statement speaks only as of the date on which it is made, and we undertake no obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise. New factors emerge from time to time, and it is not possible for us to predict which factors will arise. In addition, we cannot assess the impact of each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements.

Important factors, among others, that may affect our actual results include:

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general economic trends and the performance of the housing, real estate, mortgage finance, and broader financial markets;

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changing benchmark interest rates, and the Federal Reserve’s actions and statements regarding monetary policy;

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federal, state and local legislative and regulatory developments and the actions of governmental authorities and entities;

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the impact of public health issues such as the COVID-19 pandemic;

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our ability to compete successfully;

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our ability to adapt our business model and strategies to changing circumstances;

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our use of financial leverage and strategic business and capital deployment decisions we make;

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our exposure to a breach of our cybersecurity or data security;

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our exposure to credit risk and the timing of credit losses within our portfolio;

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the concentration of the credit risks we are exposed to, including due to the structure of assets we hold and the geographical concentration of real estate underlying assets we own