Patent ID: 8306893

Claim:
A system for automatically compiling a plurality of existing mortgage loans for intra-loan restructuring of risk via capital infusion and dynamic resetting of mortgage loan terms and conditions, comprising: a mortgage loan physical database for storing data which defines a plurality of mortgage loan instruments, held by at least one regulated entity, as well as the mortgage loan related collateral and associated Borrower data; an investor physical database which defines at least one available pool of capital for use in conjunction with a plurality of said existing mortgage loans listed in said mortgage loan database; a supplemental note processor, responsive to said mortgage loan database and said investor database, for identifying at least one capitalization option for each of at least two of said existing mortgage loans; and wherein said supplemental note processor further comprises: a RenuNote calculator for disaggregating an existing mortgage loan into discrete note amounts, including at least an A Note calculated as the product of the current Fair Market Value (FMV) of the collateral times the Loan-To-Value (LTV) ratio from said capitalization database, and at least one RenuNote, calculated as the difference between said A Note and the current loan amount, all such notes secured by the same mortgage lien.