Mortgage Servicing Rights (MSR) Pricing Software
WinOAS™ is a residential, commercial, and reverse mortgage servicing rights valuation model. Used for calculating loan-level cash flows and generating asset values, WinOAS is a widely used and validated MSR model in the industry.
Leverage a Trusted Valuation Model
WinOAS™ is a validated analytical solution providing mortgage banking professionals the actionable intelligence to navigate these unprecedented times.
WinOAS provides flexibility in conducting your pricing and risk analysis.
Change prepayment model types and prepayment model configurations
Export control overall cash flow components to databases or spreadsheets
Integrated state-of-the-art default/prepayment models – CORE™
ROW analysis based on funding and future MSR exit strategies
MIAC’s price sensitivity analysis tool allows users to run interest rate shocks or scenarios at the portfolio, tranche, or loan level
Asset valuation reports in a variety of formats (i.e. PDF, XLS, HTML, etc.)
Ease of Use
WinOAS models the future behavior of the asset and generates the monthly cash flows given current collateral characteristics and specific market assumptions.
View pricing assumptions, portfolio characteristics, and static OAS pricing results
Comprehensive SOX controls, assumptions, portfolio characteristics, and static OAS pricing results
Extensive support and training provided by product and MSR valuation experts
Complete documentation including comprehensive component cash flow calculations
Access daily Generic Servicing Assets (GSAs) pricing across the internet
Get Up To Date Market Value Price on your Portfolio
MIAC continually enhances its models to reflect current market dynamics. WinOAS™ provides the ability to integrate cash flows with collateral behavior assumptions specifically associated with modified loans, providing a unique insight into the economic value associated with these loans.
CORE is a family of both voluntary and involuntary loan and MSR behavioral models. The CORE models have been built to measure the accurate conditional responses to the most significant economic macro factors: GDP, unemployment, HPI, CPI, and interest rates.
Allows users to identify and forecast retention revenue associated with voluntary prepayments. Users can specify the expected recapture percentages over time and assign revenue margins as a flat dollar amount or as a percentage of the unpaid principal balance.
Term Structure Model
MIAC’s term structure model and volatility surface calibration has been validated by the leading financial institutions. Fully supports the SOFR forward rate propagation and OID discounting.
All Software Solutions Include:
We closely work with the client’s IT department for software installation. We create and provide the
initial setups based on the client’s specifications. This saves the client FTO hours so they can focus on training.
Support (Onsite & Online)
We offer 2+ days onsite training and often follow-up with online sessions to reinforce training material. Our web-based support ticketing system allows clients to easily submit requests and monitor its progress. Our support team members work from several locations, which means we offer longer working hours.
We pride ourselves on hiring talented and experienced employees. We are staffed with industry experts who have worked in many facets of the financial sector for decades, making it easy for us to relate to the needs of our clients.