Company: RWT-PA
Filing Date: 2025-03-03
Form Type: S-3ASR
Source: 0001104659-25-019828
Chunk: 6

Company: REDWOOD TRUST INC
Filing Date: 2025-03-03
Form: S-3ASR
Chunk 6
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 these forward-looking
statements as predictions of future events. Forward-looking statements are 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, opportunities, 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: general economic trends and the performance of the housing, real estate,
mortgage finance, and broader financial markets; changing benchmark interest rates, and the Federal Reserve’s actions and
statements regarding monetary policy; federal, state, and local legislative and regulatory developments and the actions of
governmental authorities and entities; the impact of public health issues such as the COVID-19 pandemic; our ability to compete
successfully; our ability to adapt our business model and strategies to changing circumstances; our use of financial leverage and
strategic business and capital deployment decisions we make; 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 and the geographical concentration of real estate underlying assets we own, and
our exposure to environmental and climate-related risks; the efficacy and expense efforts to manage or hedge credit or 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 or mortgage prepayment rates; investment and reinvestment
risk; asset performance, interest rate volatility, changes in credit spreads, and changes in liquidity in the market for real estate
securities and loans