In 2010 Ocwen disrupted the industry with its Shared Appreciation Modification model, a creative solution for servicing loans that are underwater.

FORBES: Who Got Rich This Week: A New Billionaire

For example, when the B-1A program was restarted to produce the B-1B, the per unit cost of the B-1B was three-times higher than the B-1A. Importantly, the B-1B was a modification (albeit a significant one) of the A-model and a gap of just 18 months occurred in the production line.

CENTERFORSECURITYPOLICY: Center For Security Policy