Company: RWT-PA
Filing Date: 2025-03-03
Form Type: S-3ASR
Source: 0001104659-25-019828
Chunk: 7

Company: REDWOOD TRUST INC
Filing Date: 2025-03-03
Form: S-3ASR
Chunk 7
---
; our ability to finance the acquisition of real estate-related assets with short-term debt; the ability of
counterparties to satisfy their obligations to us; entering into new lines of business, acquiring other companies, or engaging in
other new strategic initiatives; changes in the demand from investors for residential consumer and residential investor mortgages
and investments, and our ability to distribute residential consumer and residential investor mortgages through our whole-loan
distribution channels; our involvement in loan and HEI origination and securitization transactions, the profitability of those
transactions, and the risks we are exposed to in engaging in loan origination or securitization transactions; foreclosure activity,
which may expose us to risks associated with real estate ownership and operation; exposure to claims and litigation, including
litigation arising from loan or HEI origination and securitization transactions; acquisitions or new business initiatives, which may
fail to improve our business and could expose us to new or increased risks; whether we have sufficient liquid assets to meet
short-term needs; changes in our investment, financing, and hedging strategies and new risks we may be exposed to if we expand or
reorganize; our ability to successfully retain or attract key personnel; our dependency on third-party information systems and
third-party service providers; our exposure to a disruption of our or a third party's technology infrastructure and systems; the
impact on our reputation that could result from our actions or omissions or from those of others; our failure to maintain
appropriate internal controls over financial reporting and disclosure controls and procedures; the effectiveness of our risk
management efforts; harm caused by misconduct or fraud; inadvertent errors, system failures or cybersecurity incidents, which could
disrupt our business; the impact on our reputation that could result from our actions or omissions or from those of others; complex
accounting rules related to certain of our transactions and asset valuations; the uncertainty of future realization of our deferred
tax assets, and the amount of valuation allowance we may apply against our deferred tax assets may change materially in
future periods; the impact of changes to U.S. federal income tax laws on the U.S. housing market, mortgage finance markets, and our
business; our failure to comply with applicable laws and regulations, including our ability to obtain or maintain governmental
licenses; our ability to maintain our status as a REIT for U.S. federal income tax purposes; limitations imposed on our business due
to our REIT status and our status as exempt from registration under the Investment