Company: RWT-PA
Filing Date: 2025-01-15
Form Type: 424B5
Source: 0001104659-25-003632
Chunk: 52

Company: REDWOOD TRUST INC
Filing Date: 2025-01-15
Form: 424B5
Chunk 52
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 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; changing benchmark interest rates, and the Federal Reserve’s actions and statements regarding
monetary policy; our ability to compete successfully; strategic business and capital deployment decisions we make; our use of financial
leverage; our exposure to a breach of our cybersecurity or data security; our exposure to credit risk and the timing of credit losses
within our portfolio; the concentration of the credit risks we are exposed to, including due to the structure of assets we hold, the
geographical concentration of real estate underlying assets we own, and our exposure to environmental and climate-related risks; the
efficacy and expense of our efforts to manage or hedge credit risk, interest rate risk, and other financial and operational risks; changes
in credit ratings on assets we own and changes in the rating agencies’ credit rating methodologies; changes in interest rates;
changes in mortgage prepayment rates; our ability to redeploy our available capital into new investments; interest rate volatility, changes
in credit spreads, and changes in liquidity