0001193125-13-222907.txt : 20130709 0001193125-13-222907.hdr.sgml : 20130709 20130515184950 ACCESSION NUMBER: 0001193125-13-222907 CONFORMED SUBMISSION TYPE: CORRESP PUBLIC DOCUMENT COUNT: 3 FILED AS OF DATE: 20130515 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Nationstar Mortgage LLC CENTRAL INDEX KEY: 0001507951 STANDARD INDUSTRIAL CLASSIFICATION: MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162] IRS NUMBER: 752921540 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Nationstar Capital Corp CENTRAL INDEX KEY: 0001507955 IRS NUMBER: 271996157 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Harwood Insurance Services, LLC CENTRAL INDEX KEY: 0001508010 IRS NUMBER: 752921540 STATE OF INCORPORATION: CA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Harwood Service Co LLC CENTRAL INDEX KEY: 0001508011 IRS NUMBER: 752925375 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Nationstar Industrial Loan Corp CENTRAL INDEX KEY: 0001508018 IRS NUMBER: 900338045 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NSM Foreclosure Services Inc. CENTRAL INDEX KEY: 0001508019 IRS NUMBER: 273916074 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Centex Land Vista Ridge Lewisville III General Partner, LLC CENTRAL INDEX KEY: 0001508022 IRS NUMBER: 752921540 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Centex Land Vista Ridge Lewisville III, L.P. CENTRAL INDEX KEY: 0001508009 IRS NUMBER: 203437712 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Harwood Service Co Of Georgia, LLC CENTRAL INDEX KEY: 0001508012 IRS NUMBER: 731643246 STATE OF INCORPORATION: GA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Nationstar Industrial Loan Co CENTRAL INDEX KEY: 0001508017 IRS NUMBER: 752786875 STATE OF INCORPORATION: TN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Nationstar Mortgage Holdings Inc. CENTRAL INDEX KEY: 0001520566 STANDARD INDUSTRIAL CLASSIFICATION: MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162] IRS NUMBER: 452156869 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Nationstar Sub2 LLC CENTRAL INDEX KEY: 0001572963 IRS NUMBER: 452307126 STATE OF INCORPORATION: DE FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Champion Mortgage LLC CENTRAL INDEX KEY: 0001572960 IRS NUMBER: 800870998 STATE OF INCORPORATION: DE FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Harwood Service Co Of New Jersey, LLC CENTRAL INDEX KEY: 0001508013 IRS NUMBER: 743047401 STATE OF INCORPORATION: NJ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Nationstar Sub1 LLC CENTRAL INDEX KEY: 0001572962 IRS NUMBER: 452307080 STATE OF INCORPORATION: DE FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Homeselect Settlement Solutions, LLC CENTRAL INDEX KEY: 0001508014 IRS NUMBER: 201356314 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NSM Recovery Services Inc. CENTRAL INDEX KEY: 0001508020 IRS NUMBER: 273275696 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Nationstar Equity Corp CENTRAL INDEX KEY: 0001508016 IRS NUMBER: 752711305 STATE OF INCORPORATION: NV FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Nationstar 2009 Equity Corp CENTRAL INDEX KEY: 0001508015 IRS NUMBER: 041583514 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: CORRESP BUSINESS ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 BUSINESS PHONE: (469) 549-2000 MAIL ADDRESS: STREET 1: 350 HIGHLAND DRIVE CITY: LEWISVILLE STATE: TX ZIP: 75067 CORRESP 1 filename1.htm SEC Response Letter

 

LOGO

May 15, 2013

Christian Windsor, Esq.

Division of Corporation Finance

Securities and Exchange Commission

100 F Street N.E.

Washington, DC 20549-3628

 

  Re: Nationstar Mortgage Holdings, Inc.
       Amendment No. 1 to Registration Statement on Form S-4 (“Amendment No. 1”)
       Filed May 3, 2013
       File No. 333-187643-07
       Annual Report on Form 10-K for the Fiscal Year Ended December 31, 2012 (the “Annual Report”)
       Filed March 15, 2013
       File No. 001-35449

 

       Nationstar Mortgage LLC
       Amendment No. 1
       Filed May 3, 2013
       File No. 333-187643

Dear Mr. Windsor,

On behalf of Nationstar Mortgage LLC (the “Company”), Nationstar Capital Corporation (the “Co-Issuer” and, together with the Company, the “Issuers”), Nationstar Mortgage Holdings Inc. (the “Public Company”) and each of the other guarantors listed in Amendment No. 1 (the “Additional Guarantors” and, together with the Issuers and the Public Company, the “S-4 Registrants”), with respect to Amendment No. 1, and on behalf of the Public Company, with respect to the Annual Report, set forth below are responses to the comments of the staff of the Securities and Exchange Commission (the “Staff”) in its letter dated May 10, 2013.

The S-4 Registrants have filed today Amendment No. 2 (“Amendment No. 2”) to the Registration Statement, together with this letter via EDGAR correspondence. Amendment No. 2 includes or incorporates by reference all required financial information for the quarter ended March 31, 2013 and all required exhibits.

For your convenience, the text of the Staff’s comments is set forth in bold below, followed in each case by the response. Capitalized terms used, but not defined herein have the meanings assigned to such terms in the Annual Report.

***

 

 

LOGO

Christian Windsor, Esq.

Securities and Exchange Commission

p. 2

Form 10-K Filed for the Period Ended December 31, 2012

Management’s Discussion and Analysis of Financial Condition and Results of Operations

Servicing segment for the Years ended December 31, 2012 and 2011, page 41 of the Annual Report

 

1. We note your response to prior comment no. 17. While we note you have provided the respective assumptions for the period presented, there is no corresponding explanation as to the reasons for the relative changes in the individual assumptions. Please tell us and revise future filings to include this information.

Response:

In response to the Staff’s comment, the Public Company will revise its disclosure in the Management Discussion and Analysis of Financial Condition and Results of Operations (“MD&A”) section in future filings, to the extent required, to provide an explanation as to the reasons for the relative changes in the individual assumptions, as indicated by the underlined language below.

Our Credit Sensitive MSRs increased with the addition of over $82 billion in UPB of mortgage loans serviced in 2012 due to several significant acquisitions of MSRs. Overall, these additions to our portfolio, while predominantly credit sensitive, were less delinquent than our previously owned Credit Sensitive MSRs. With respect to the assumptions utilized in determining the fair value of Credit Sensitive MSRs, the assumed discount rate decreased 7.6% from 25.71% at December 31, 2011 to 18.11% at December 31, 2012, due to our acquisitions of better performing Credit Sensitive MSRs, which have average discount rates in the 15% range. The assumed total prepayment speeds increased 6.62% from 15.80% at December 31, 2011 to 22.42% at December 31, 2012, due to higher voluntary prepayment speeds inherent in the newly acquired portfolios. The assumed expected weighted-average life decreased 1.03 years, from 5.15 years at December 31, 2011 to 4.12 years at December 31, 2012, due to the increase in the weighted-average prepayment speeds of the credit sensitive loans. The assumed credit losses decreased 10.74% from 35.42% at December 31, 2011 to 24.68% at December 31, 2012, also principally due to our addition of lower delinquency credit sensitive loans during 2012.

Our Interest Sensitive MSRs increased by approximately $4.7 billion in UPB of mortgage loans serviced in 2012. This increase was driven primarily by our expanding origination activity. With respect to the assumptions utilized in determining the fair value of our Interest Rate Sensitive MSRs, the assumed discount rate increased by 0.16% from 10.46% at December 31, 2011 to 10.62% at December 31, 2012, due to a slight increase in overall delinquency in the product mix of newly originated Interest Rate Sensitive MSRs. The assumed total prepayment speeds decreased 1.94% from 19.02% at December 31, 2011 to 17.08% at December 31, 2012, due to the fact that the MSRs were originated in a lower interest rate environment than those in prior years, resulting in lower propensity to prepay. The assumed expected weighted-average life increased 0.15 years, from 5.04 years at

Christian Windsor, Esq.

Securities and Exchange Commission

p. 3

December 31, 2011 to 5.19 years at December 31, 2012, due to the lower expected prepayment speeds on newly originated MSRs due to the lower interest rate environment. The assumed credit losses increased 1.36% from 9.73% at December 31, 2011 to 11.09% at December 31, 2012, due to slightly higher credit risk identified on certain newly originated MSRs, in particular newly originated MSRs on HARP loans.

 

2. We note your response to prior comment no. 18. While we note you have provided the respective assumptions for the period presented, there is no corresponding explanation as to the reasons for the relative changes in the individual assumptions. Please tell us and revise future filings to include this information.

Response:

In response to the Staff’s comment, the Public Company will revise its disclosure in the MD&A section in future filings, to the extent required, to provide an explanation as to the reasons for the relative changes in the individual assumptions, as indicated by the underlined language below.

At December 31, 2011, we had recently entered into our first excess spread financing arrangement. As of December 31, 2012, we were a party to several excess spread financing arrangements with similar, but not identical, contract terms. With respect to the weighted average assumptions utilized in determining the fair value of the Company’s excess spread financing, the assumed mortgage prepayment speeds decreased 10% from 24% at December 31, 2011 to 14% at December 31, 2012, primarily due to the lower voluntary prepayment profiles on the excess spread financing arrangements that were entered into during 2012 in comparison with the expected voluntary prepayment profile of the excess spread financing entered into during late 2011. The assumed average life of mortgage loans increased 0.9 years, from 3.3 years at December 31, 2011 to 4.2 years at December 31, 2012, due to the lower average prepayment speed assumptions given the lower interest rate environment. The assumed discount rate decreased 1% from 16% at December 31, 2011 to 15% at December 31, 2012, because the credit profile of the MSR portfolios underlying the excess spread financing arrangements entered into during 2012 was slightly better than the prior arrangement.

***

We hope that this response adequately addresses the Staff’s comments. If the Staff has any questions concerning this letter or requires further information, please do not hesitate to contact Duane McLaughlin, counsel to the Company, at (212) 225-2106.

[signature page follows]

Christian Windsor, Esq.

Securities and Exchange Commission

p. 4

 

Sincerely,

 

NATIONSTAR MORTGAGE HOLDINGS INC.

NATIONSTAR MORTGAGE LLC

/s/ David C. Hisey
David C. Hisey
Chief Financial Officer

 

cc: Elizabeth Giddens, Esq., Nationstar Mortgage Holdings Inc.
     Duane McLaughlin, Esq., Cleary Gottlieb Steen & Hamilton LLP
     Joshua Samples, Esq., Securities and Exchange Commission
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