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Mortgage Loan Purchase Agreement

 

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Title:

Mortgage Loan Purchase Agreement

Entities:

Barclays Bank plc; Freddie Mac; Luminent Mortgage Trust 2006-6; McGraw-Hill Companies Inc.; Federal National Mortgage Association

Date:

2006

Size:

Preview shows 8KB of 269KB total

Price:

$51

ID:

#2568119

 

 

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Start of Preview


                               BARCLAYS BANK, PLC


Purchaser

MORTGAGEIT, INC.,

Seller

MORTGAGE LOAN PURCHASE AGREEMENT

Dated as of September 1, 2006

Conventional, Fixed and Adjustable Rate
Residential Mortgage Loans

================================================================================

{PAGE}

TABLE OF CONTENTS

Page
----
ARTICLE I

DEFINITIONS

Section 1.01 Defined Terms............................................ 1

ARTICLE II

AGREEMENT TO PURCHASE

Section 2.01 Agreement to Purchase.................................... 14

ARTICLE III

MORTGAGE SCHEDULES

Section 3.01 Preliminary Mortgage Schedule............................ 14
Section 3.02 Delivery of Mortgage Loan Schedule....................... 14

ARTICLE IV

PURCHASE PRICE

Section 4.01 Purchase Price........................................... 14

ARTICLE V

EXAMINATION OF MORTGAGE FILES

Section 5.01 Examination of Mortgage Files............................ 15

ARTICLE VI

CONVEYANCE FROM SELLER TO PURCHASER

Section 6.01 Conveyance of Mortgage Loans............................ 16
Section 6.02 Books and Records........................................ 16
Section 6.03 Delivery of Mortgage Loan Documents...................... 17
Section 6.04 Quality Control Procedures............................... 18
Section 6.05 MERS Designated Loans.................................... 18


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{PAGE}

ARTICLE VII

SERVICING OF THE MORTGAGE LOANS

Section 7.01 Servicing................................................ 18
Section 7.02 Transfer of Servicing.................................... 19

ARTICLE VIII

[RESERVED]

ARTICLE IX

REPRESENTATIONS, WARRANTIES AND COVENANTS OF THE SELLER; REMEDIES FOR BREACH

Section 9.01 Representations and Warranties Regarding the Seller...... 22
Section 9.02 Representations and Warranties Regarding Individual
Mortgage Loans........................................... 25
Section 9.03 Remedies for Breach of Representations and Warranties.... 39
Section 9.04 Repurchase of Mortgage Loans with First Payment
Defaults................................................. 41
Section 9.05 Premium Recapture........................................ 42

ARTICLE X

CLOSING

Section 10.01 Conditions to Closing.................................... 42

ARTICLE XI

CLOSING DOCUMENTS

Section 11.01 Required Closing Documents............................... 43

ARTICLE XII

COSTS

Section 12.01 Costs.................................................... 44

ARTICLE XIII

COOPERATION OF SELLER WITH A RECONSTITUTION

Section 13.01 Reconstitution of Mortgage Loans......................... 44


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{PAGE}

ARTICLE XIV

THE SELLER

Section 14.01 Additional Indemnification by the Seller; Third Party
Claims................................................... 46
Section 14.02 Merger or Consolidation of the Seller.................... 47

ARTICLE XV

MISCELLANEOUS PROVISIONS

Section 15.01 Financial Statements..................................... 48
Section 15.02 Mandatory Delivery; Grant of Security Interest........... 48
Section 15.03 Notices.................................................. 49
Section 15.04 Severability Clause...................................... 49
Section 15.05 Counterparts............................................. 50
Section 15.06 Governing Law............................................ 50
Section 15.07 Intention of the Parties................................. 50
Section 15.08 Successors and Assigns; Assignment of Purchase
Agreement................................................ 50
Section 15.09 Waivers.................................................. 51
Section 15.10 Exhibits................................................. 51
Section 15.11 General Interpretive Principles.......................... 51
Section 15.12 Reproduction of Documents................................ 51
Section 15.13 Further Agreements....................................... 52
Section 15.14 Recordation of Assignments of Mortgage................... 52
Section 15.15 No Solicitation.......................................... 52
Section 15.16 Waiver of Trial by Jury.................................. 53
Section 15.17 Governing Law Jurisdiction; Consent to Service of
Process................................................... 53

ARTICLE XVI

COMPLIANCE WITH REGULATION AB

Section 16.01 Intent of the Parties; Reasonableness.................... 53
Section 16.02 Additional Representations and Warranties of the Seller.. 54
Section 16.03 Information to Be Provided by the Seller................. 54
Section 16.04 Indemnification; Remedies................................ 57


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{PAGE}

EXHIBITS

EXHIBIT A CONTENTS OF EACH MORTGAGE FILE
EXHIBIT B INDEMNIFICATION AND CONTRIBUTION AGREEMENT
EXHIBIT C FORM OF SELLER'S OFFICER'S CERTIFICATE
EXHIBIT D FORM OF OPINION OF COUNSEL TO THE SELLER
EXHIBIT E FORM OF SECURITY RELEASE CERTIFICATION
EXHIBIT F FORM OF SECURITY RELEASE CERTIFICATION
EXHIBIT G UNDERWRITING GUIDELINES
EXHIBIT H FORM OF ASSIGNMENT AND CONVEYANCE AGREEMENT
EXHIBIT I FORM OF ASSIGNMENT AND RECOGNITION AGREEMENT


-iv-

{PAGE}

MORTGAGE LOAN PURCHASE AGREEMENT

This MORTGAGE LOAN PURCHASE AGREEMENT (the "Agreement"), dated as of
September 1, 2006, by and between Barclays Bank, PLC, a public limited liability
company, registered in England and Wales under company number 1026167, having an

 

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