(DumbMoney)

Explore the latest updates and key analyses on companies, markets, and industry trends.


Mortgage Loan Purchase Agreement Overview

Wells Fargo (WFC) | November 19, 2025

By Liam Parker

image

Wells Fargo Bank, National Association, as the Seller, entered into a Mortgage Loan Purchase Agreement with Wells Fargo Commercial Mortgage Securities, Inc.

The agreement involves the sale and conveyance of commercial mortgage loans to create a trust with mortgage pass-through certificates.

Beneficial ownership of the Trust Fund assets will be evidenced by the Certificates and the VRR Interest.

Creation of Trust

The Purchase Agreement aims to establish a trust with a pool of commercial mortgage loans as primary assets.

Certification Process

Certain classes of Certificates will be rated by Rating Agencies, while Registered and Non-Registered Certificates will be issued under the Securities Act.

Transfer of Certificates

Wells Fargo intends to sell Registered Certificates to Underwriters and Non-Registered Certificates to Initial Purchasers.

  • The agreement outlines the process of creating a trust with commercial mortgage assets and issuing Certificates.
  • The sale and transfer of Certificates to Underwriters and Initial Purchasers will facilitate funding for the Mortgage Loan Seller.

The Mortgage Loan Purchase Agreement signifies a strategic move by Wells Fargo to optimize its commercial mortgage assets by creating a trust structure.