Structured Finance and Securitization
Hunton is one of the nation’s leading structured finance and securitization law firms. For more than 35 years, we have represented clients in connection with mortgage-backed and asset-backed securities offerings and other structured financing matters.
Overview
Effective structured finance representation involves more than just efficient transaction execution. An effective structured finance lawyer must understand how each transaction fits the client’s overall business objectives. While rooted in the fundamentals of traditional structured finance, securitization, capital markets, real estate finance, tax planning and bankruptcy practices, our structured finance practice is distinguished by a long history of innovative and creative transactions designed to achieve our clients’ objectives.
Integrated infrastructure
Our group of more than 45 full-time structured finance lawyers draws on our extensive experience with securitization and other finance transactions involving a wide range of asset classes. We collaborate effectively with colleagues in our regulatory, real estate, tax, banking and finance, energy, infrastructure, private equity and bankruptcy practice groups to solve diverse problems and to efficiently staff transactions. We pride ourselves on bringing the right deal team to each matter.
Industry longevity
Hunton is a long-standing market leader in structured finance and securitization. Over the past 35 years, we have represented issuers, underwriters, trustees, asset managers, servicers, originators, lenders, investors, insurance companies and derivatives providers in structured finance transactions totaling hundreds of billions of dollars.
We earn top rankings from clients, peers and media and are recognized, particularly, for our facility in handling innovative transactions. Our structured finance practice is ranked nationally in Band 1 by Chambers USA and also ranked nationally in Tier 1 by Legal 500 USA. Additionally, in Asset-Backed Alert’s 2024 league table rankings, Hunton ranked second place for issuer’s counsel and third place for underwriters’ counsel for US asset-backed securities and mortgage-backed securities.
We consider each new matter with a seasoned perspective and an open mind, working with our client to structure and execute the transaction in a manner that best achieves the client’s objectives. Our experience includes:
- Asset-Backed Securities (ABS)
- Commercial Real Estate Finance
- Consumer Finance Regulatory and Litigation
- Credit Risk Transfer
- Derivatives and Structured Products
- Direct Lending Vehicles
- Energy Finance and Securitization
- Manufactured Housing Finance and Securitization
- Marketplace Lending and FinTech
- Mortgage Loan Servicing and Mortgage Servicing Rights (MSR) Acquisitions
- Public Utility Securitization
- Real Estate Investment Trusts (REITs)
- Repackagings of ABS
- Residential Mortgage-Backed Securities (RMBS)
- Reverse Mortgage/HECM Financing and Securitization
- Servicer Advance and Mortgage Servicing Rights (MSR) Financing and Securitization
- Single-Family Rental (SFR) and Lease-to-Own Financing and Securitization
- Trade Receivables
- Warehouse and Structured Lending, Gestation Finance and Early Buyout (EBO) Facilities
- Whole Loan Trading
Experience
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Served as issuer’s and initial purchaser’s counsel to J.P. Morgan Mortgage Acquisition Corp. and J.P. Morgan Securities LLC (together, “J.P. Morgan”) in connection with the development and execution of a securitization program involving the issuance of $186.4 million in securities backed by a fixed pool of participation interests in home equity lines of credit (HELOCs) originated by third parties.
- Counsel to regulated financial institutions, REITs and other issuers in the design and implementation of RMBS programs involving virtually all loan types, including first and junior liens, home equity loans, high LTV loans, home improvement loans, manufactured housing contracts and government-insured loans (nonconventional)
- Counsel for the only REMIC programs involving full faith and credit guarantees of the United States
- Underwriters’ counsel on the first structured credit risk transfer issuance in 2013 and subsequent transactions in this GSE program
- Represent issuers, underwriters and other participants in term and revolving ABS and structured credit facilities involving numerous asset types, including railcar trade receivables, credit card receivables, equipment leases, franchise loans, aircraft lease payments, insurance products, oil and gas receivables, small business loans and toll road receivables
- Counsel to banks, hedge funds, and other lenders and investors in structuring warehouse and other secured lending facilities involving a variety of financial assets, including single-family, multifamily and government-insured mortgage loans, RMBS, CMBS and residential tax liens
- Represent issuers of public and private prime and subprime auto loan term securitizations, including the first prime auto loan securitization involving an offshore issuer for U.S.-originated auto loans
- Represent issuers, mortgage servicers, bank lenders and placement agents in connection with servicer advance financing facilities, including transactions involving the issuance of term ABS notes and revolving variable funding notes, master trust vehicles and revolving lines of credit
- Counsel to leading mortgage loan servicers in connection with servicing portfolio acquisitions and structuring of related acquisition financing
- Advise trustees, master servicers, securities administrators and servicers regarding numerous issues related to the administration of outstanding RMBS, ABS and other transactions, including enforcement of repurchase remedies related to breaches of representations and warranties, compliance with mortgage foreclosure and loss mitigation programs (including the U.S. Treasury HAMP initiative and other governmental programs), pool insurance rescission claims and related issues
- Represent monoline financial guaranty insurers in connection with tender offer programs and other initiatives designed to commute obligations on more than $10 billion of insured RMBS and ABS
- Serve as issuer's counsel on synthetic securitizations referencing various asset pools, including mortgage loans, prime auto loans, subprime auto loans and other consumer receivables
- Represent collateralized debt obligation (CDO) managers in restructurings of trust preferred securities and other debt instruments, and represent purchasers and sellers of CDO management rights
- Represent purchasers and sellers of all types of residential mortgage loans (including prime, Alt-A, subprime, performing, reperforming and nonperforming mortgage loans), RMBS (including subordinated securities and REMIC residual interests), and related mortgage and mortgage derivative products
- Represent underwriters, structuring advisors and electric utilities in connection with dedicated utility rate securitization transactions
- Counsel issuers and underwriters of public and private securitizations of manufactured housing installment sales contracts, and represent originators and servicers of manufactured housing contracts in various matters, including working capital and inventory warehouse financing transactions
- Represent sponsors in connection with organizing, structuring, marketing and operating private equity funds created to invest in mortgage loans, RMBS, CMBS, ABS and related assets and products
- Represent lenders and borrowers in syndicated loan facilities with borrowers in the financial services industry, in partnership with our lending practice group
- Provide special counsel role in numerous high-profile financial services and servicing industry mergers and acquisitions
Insights
Legal Updates
- February 21, 2025Legal Update
- February 3, 2025Legal Update
- January 24, 2025Legal Update
- December 27, 2024Legal Update
- Legal Update
- December 13, 2024Legal Update
- December 9, 2024Legal Update
- November 18, 2024Legal Update
- July 23, 2024Legal Update
- January 24, 2024Legal Update
- September 12, 2023Legal Update
- May 9, 2023Legal Update
- April 3, 2023Legal Update
- March 15, 2023Legal Update
- December 20, 2022Legal Update
- November 17, 2022Legal Update
- October 24, 2022Legal Update
- October 24, 2022Legal Update
- July 28, 2022Legal Update
- April 4, 2022Legal Update
- March 11, 2022Legal Update
- March 8, 2022Legal Update
- January 5, 2022Legal Update
- January 4, 2022Legal Update
- September 14, 2021Legal Update
- August 3, 2021Legal Update
- April 7, 2021Legal Update
- March 8, 2021Legal Update
- January 15, 2021Legal Update
- December 23, 2020Legal Update
- December 4, 2020Legal Update
- October 22, 2020Legal Update
- October 21, 2020Legal Update
- October 9, 2020Legal Update
- September 21, 2020Legal Update
- August 19, 2020Legal Update
- June 17, 2020Legal Update
- June 2, 2020Legal Update
- May 29, 2020Legal Update
- May 14, 2020Legal Update
- May 11, 2020Legal Update
- April 15, 2020Legal Update
- April 13, 2020Legal Update
- March 26, 2020Legal Update
- March 23, 2020Legal Update
- March 18, 2020Legal Update
- March 18, 2020Legal Update
- March 18, 2020Legal Update
- October 10, 2019Legal Update
- April 23, 2019Legal Update
- May 22, 2018Legal Update
- April 30, 2018Legal Update
- March 20, 2018Legal Update
- February 23, 2018Legal Update
- August 1, 2017Legal Update
- April 13, 2017Legal Update
- March 22, 2017Legal Update
- March 21, 2017Legal Update
- September 8, 2016Legal Update
- July 22, 2016Legal Update
- June 22, 2016Legal Update
- December 8, 2015Legal Update
- December 3, 2015Legal Update
- August 25, 2015Legal Update
- August 19, 2015Legal Update
- October 6, 2014Legal Update
- September 4, 2014Legal UpdateCFPB Issues Updated Guidance for Mortgage Servicing Transfers and Alerts Servicers of CFPB Review of Servicing Transfers
- July 11, 2014Legal Update
- November 27, 2013Legal Update
- July 24, 2013Legal Update
- July 18, 2013Legal Update
- June 26, 2013Legal Update
- June 5, 2013Legal Update
- October 12, 2012Legal Update
- September 19, 2012Legal Update
- September 6, 2012Legal Update
- August 31, 2012Legal Update
- August 30, 2012Legal Update
- August 14, 2012Legal Update
- September 8, 2011Legal Update
- November 14, 2008Legal Update
- October 7, 2008Legal Update
- September 30, 2008Legal Update
- September 23, 2008Legal Update
Events
- September 25, 2024Event
- Event
- March 20, 2024Event
- February 25-28, 2024Event
- November 7, 2023Event
- October 12, 2023Event
- October 5, 2023Event
- September 28, 2023Event
- September 26, 2023Event
- April 12, 2023Event
- January 11, 2023Event
- October 20, 2022Event
- September 1, 2022Event
- August 10, 2022Event
- July 6, 2022Event
- July 17 – July 20, 2022Event
- February 1, 2022Event
- April 19, 2021Event
- February 23, 2021Event
- February 11, March 11, and April 8, 2021Event
- December 17, 2020Event
- December 1-2, 2020Event
- December 1-2, 2020Event
- December 1-2, 2020Event
- December 1-2, 2020Event
- November 10, 2020Event
- October 8, 2020Event
- June 4, 2020Event
- June 3, 2020Event
- February 20, 2020Event
- November 14, 2019Event
- August 29, 2019Event
- March 14, 2019Event
- July 20, 2017Event
- December 1, 2016Event
- November 9, 2016Event
- May 19, 2016Event
- January 14, 2016Event
- October 14, 2015Event
- March 16, 2015Event
- February 10, 2015Event
- 2015Event
- May 7, 2013Event
- June 18, 2012Event
Publications
- Newsletter
- January 21, 2025Publication
- December 2024Newsletter
- October 2024Newsletter
- January 16, 2024Publication
- January 2023Publication
- January 2022Publication
- January 2021Publication
- January 2020Publication
- January 2019Publication
- January 2018Publication
- Summer 2017Publication
- January 2017Publication
- February 2016Publication
- February 2015Publication
- April 8, 2014Publication
- January 9, 2014Publication
- August 19, 2013Publication
- January 17, 2013Publication
- May 2012Publication
News
- February 13, 2025News
- January 21, 2025News
- December 17, 2024News
- December 4, 2024News
- November 7, 2024News
- October 29, 2024News
- October 8, 2024News
- News
- News
- News
- June 12, 2024News
- May 28, 2024News
- May 22, 2024News
- April 29, 2024News
- April 25, 2024News
- April 24, 2024News
- April 1, 2024News
- February 15, 2024News
- February 9, 2024News
- January 16, 2024News
- January 12, 2024News
- November 6, 2023News
- August 21, 2023News
- July 25, 2023News
- July 20, 2023News
- June 20, 2023News
- April 28, 2023News
- April 21, 2023News
- February 9, 2023News
- February 9, 2023News
- February 7, 2023News
- January 19, 2023News
- November 3, 2022News
- October 18, 2022News
- August 18, 2022News
- August 10, 2022News
- August 4, 2022News
- July 5, 2022News
- June 30, 2022News
- May 2, 2022News
- April 4, 2022News
- February 1, 2022News
- January 18, 2022News
- December 1, 2021News
- November 4, 2021News
- October 14, 2021News
- October 7, 2021News
- August 24, 2021News
- July 28, 2021News
- July 20, 2021News
- June 30, 2021News
- June 10, 2021News
- May 25, 2021News
- May 17, 2021News
- April 1, 2021News
- March 24, 2021News
- March 17, 2021News
- February 8, 2021News
- January 22, 2021News
- November 20, 2020News
- October 28, 2020News
- July 10, 2020News
- June 12, 2020News
- April 2, 2020News
- January 24, 2020News
- November 1, 2019News
- September 9, 2019News
- August 19, 2019News
- August 15, 2019News
- June 6, 2019News
- May 28, 2019News
- May 20, 2019News
- May 17, 2019News
- November 1, 2018News
- October 23, 2018News
- August 15, 2018News
- June 13, 2018News
- May 24, 2018News
- May 16, 2018News
- March 12, 2018News
- January 30, 2018News
- January 25, 2018News
- January 25, 2018News
- January 24, 2018News
- January 17, 2018News
- November 29, 2017News
- November 17, 2017News
- November 6, 2017News
- November 1, 2017News
- June 16, 2017News
- June 12, 2017News
- May 1, 2017News
- April 9, 2017News
- November 1, 2016News
- October 5, 2016News
- June 3, 2016News
- May 20, 2016News
- April 14, 2016News
- April 1, 2016News
- November 2, 2015News
- August 14, 2015News
- May 27, 2015News
- February 27, 2015News
- February 9, 2015News
- November 5, 2014News
- November 3, 2014News
- August 21, 2014News
- July 8, 2014News
- June 16, 2014News
- June 13, 2014News
- May 27, 2014News
- March 31, 2014News
- February 18, 2014News
- January 22, 2014News
- June 24, 2013News
- March 25, 2013News
- March 14, 2013News
- November 16, 2012News
- May 9, 2012News
- March 11, 2011News
Contacts
Structured Finance and Securitization Year in Review and a Look Ahead to 2025
- Asset-Backed Securitization
- Banking and Finance
- Capital Markets and Securities
- Consumer Financial Compliance and Litigation
- Corporate Transparency Act
- Credit Risk Transfer
- Derivatives
- Energy Finance and Securitization
- International Tax
- Mortgage Loan Servicing and Mortgage Servicing Rights
- Public Finance
- Public Utility Securitization
- Real Estate Capital Markets/REITs
- Residential Mortgage-backed Securities
- Reverse Mortgage/HECM Financing and Securitization
- Servicer Advance Financing and Securitization
- Servicing Rights Financing and Securitization
- Single Family Rental (SFR) Financing and Securitization
- Warehouse and Structured Lending, Gestation Finance and Early Buyout (EBO) Facilities
- Whole Loan Mortgage Trading
Highlights
- Newsletter
- 2 Minute ReadLegal Update
- 4 Minute ReadNews