Patent ID: 6901384

Claim:
A computerized method of automatically generating at least one piggyback loan option for a borrower, utilizing at least one loan parameter and collateral information, wherein a total amount for the at least one piggyback loan is secured by the collateral, comprising: applying a plurality of deal origination rules to the at least one loan parameter and the collateral information; generating a primary loan having a primary loan amount and a first secured position, calculating a difference amount between the total amount and the primary loan amount; generating a complementary secondary loan having a second secured position, wherein an amount of the secondary loan is substantially equal to the difference amount; verifying that the primary loan and the complementary secondary loan comply with the deal origination rules; generating the piggyback loan, wherein the piggyback loan is a combination of the primary loan and the complementary second loan; and presenting to the borrower the at least one piggyback loan for the total amount.