MHL Mortgageit Hldgs

Company Has Securitized $3.1 Billion in Assets Year to Date NEW YORK, Aug. 25 /PRNewswire-FirstCall/ -- MortgageIT Holdings, Inc. (NYSE:MHL), a residential mortgage real estate investment trust (REIT), announced the completion of its fourth loan securitization of 2005, a public offering of approximately $707.8 million in aggregate principal amount of notes backed by residential, first lien adjustable-rate mortgage (ARM) and hybrid ARM loans, through MortgageIT Trust 2005-4. RBS Greenwich Capital served as lead underwriter of the transaction, and Credit Suisse First Boston, and Bear, Stearns & Co. Inc. served as co-managers. Proceeds from the offering will be used to provide long-term financing of mortgage loans originated by MortgageIT Holdings' taxable REIT subsidiary. The approximate amount of each class of Notes together with the interest rate and credit ratings for each class granted by S&P and Moody's, respectively, are set forth below: Class Interest Rate Initial Note Initial Rating Principal Balance (S&P/Moody's) A-1 One month LIBOR plus 28 Bps $585,573,000 AAA/Aaa M-1 One month LIBOR plus 45 Bps $53,365,000 AAA/NR M-2 One month LIBOR plus 54 Bps $27,764,000 AA+/NR M-3 One month LIBOR plus 57 Bps $19,471,000 AA/NR M-4 One month LIBOR plus 65 Bps $3,606,000 AA-/NR B-1 One month LIBOR plus 1.10% $9,736,000 A/NR B-2 One month LIBOR plus 1.75% $4,687,000 BBB+/NR B-3 One month LIBOR plus 2.50% $3,606,000 BBB/NR Total Notes: $707,808,000 The trust includes approximately $721.1 million in first lien, adjustable-rate mortgage loans secured by one-to- four family residential real properties and individual condominium units as of August 1, 2005. About MortgageIT Holdings, Inc. MortgageIT Holdings, Inc. (NYSE:MHL) is a self-administered mortgage real estate investment trust ("REIT") focused on the residential lending market. The Company self-originates its investment portfolio of high quality adjustable rate mortgage ("ARM") loans through MortgageIT, Inc., its wholly owned residential mortgage banking subsidiary. MortgageIT, Inc. is a full-service residential mortgage banking company that is licensed to originate loans throughout the United States. MortgageIT Holdings is organized and conducts its operations to qualify as a REIT for federal income tax purposes. MortgageIT is organized and operates as MortgageIT Holdings' taxable REIT subsidiary. For more information, please visit http://www.mortgageitholdings.com/. DATASOURCE: MortgageIT Holdings, Inc. CONTACT: Investors, Sean McGrath, +1-212-651-4637, or Media, Ted J. Stacer, +1-212-651-7653, both of MortgageIT Holdings, Inc.; or Joe LoBello of Brainerd Communicators, Inc., +1-212-986-6667, for MortgageIT Holdings, Inc. Web site: http://www.mortgageitholdings.com/

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