Laser Mortgage Management, Inc.
Ticker:LMM 51 John F. Kennedy Parkway
Exchange:New York Stock Exchange Short Hills, NJ 07078
Industry:Financial (SIC Code 6798) (973) 912-8770

Offering Information
Type of Shares:Common Shares Filing Date:9/16/97
U.S. Shares:15,000,000 Offer Date:11/25/97
Non-U.S. Shares:0 Filing Range:$13.00 - $15.00
Primary Shares:15,000,000 Offer Price:$15.00
Secondary Shares:0 Gross Spread:$1.01
Offering Amount: $210,000,000 Selling:$0.60
Expenses: - Reallowance:$0.10
Shares Out After:16,019,068

Primary Underwriting Group
ManagerTierPhone
Bear, Stearns & Co. Inc.Lead Manager (212) 272-4850
Everen Securities, Inc.Co-manager (312) 574-6859
Friedman, Billings, Ramsey & Co., Inc.Co-manager (703) 312-9571

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Stroock & Stroock & Lavan
Bank's Law Firm: Cadwalader, Wickersham & Taft

Business Description
The company is a real estate investment trust, (REIT). The company will invest primarily in mortgage backed securities and mortgage loans. The securities include mortgage pass through certificates, CMOs and securities representing pools of mortgages. The mortgage loans will be secured by first or second liens on single-family residential, multi-family residential, commercial or other real property. The Company intends to generate net income for distribution to stockholders from the spread between the interest income earned on its investment portfolio and the cost of financing and hedging the portfolio. The Company will elect to be taxed as a real estate investment trust (a "REIT") under the Internal Revenue Code of 1986, as amended (the "Code"). The Company generally will not be subject to federal income tax provided that it distributes its income to its stockholders and maintains its qualification as a REIT.

Use of Proceeds
The proceeds from the proposed offering will be used to acquire mortgage assets.

Principal and Selling Shareholders
Name of Shareholder% Owned
Before
% Owned
After
Michael L. Smirlock, Ph.D.100.00%
Note: Represents ownership of 5% or more prior to the offering.
Executive Officers and Directors
Officer NameTitleAge
Michael L. Smirlock, Ph.D.Chairman of the Board, President, CEO and Director41
Thomas G. JonovichChief Financial Officer and Treasurer33
Robert J. GartnerVice President and Secretary35

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