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Tag Archive | "mortgage backed securities"

What Do Mortgage Originators Do After Your FHA Home Loan Closes?

Mortgage Originators Initiate The Process Your mortgage lender is part of an extensive and wealthy system of residential real estate finance. The person at the very knife-edge of the lending process is the loan originator, the loan officer or independent arranger who helps loan applicants fill out forms, gather documents and submit the loan application; […]

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Why Mortgage Back Securities Are A Good Thing For Home Buyers

Bonds are just loans that are so big that the institutions that create them divide them into standardized securities and slice them up into affordable units. That is what Fannie Mae and Freddie Mac do with residential mortgages; they bundle home loans together so that many small streams of income become giant securitized cash flows, […]

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Ginnie Mae Fannie Mae And Freddie Mac – Is There A Difference?

What Are These Bonds And Why Should Home Buyers Care? When you borrow from a bank or finance company to buy your home, the loan itself becomes a valuable asset for the holder. The value comes from your promise to pay the amount due each month, on time, every month. Given the time and effort […]

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Why Employment And Jobs Data Affect Mortgage Rates

Features of the main financial sectors of the economy are deeply interlinked. When you look at the figures for one type of activity in the economy, it may be affected by another and directly influence yet another piece of data in turn. So it is with Employment and jobs data and the influence they have […]

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How Mortgage Backed Securities Affect Mortgage Rates

This article is intended to help the reader understand the cryptic sounding term mortgage backed securities or MBSs and how they affect mortgage rates. To begin with let us look into what mortgage backed securities are all about. Mortgage Backed Securities Mortgage backed securities are simply bundles of mortgages with similar terms, such as interest […]

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Mortgage History: Subprime Mortgage Crisis and Mortgage Derivatives

Half a decade on, and have we learned from the subprime mortgage crisis? Are mortgage derivatives now secure, and can investors purchase mortgage backed securities with confidence? There were lessons to be learned, but have we all learned them? There is no definitive answer to these questions. Even now, analysts disagree on the root causes […]

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How Mortgage Rates Are Affected by Mortgage Backed Securities

Mortgage rates are affected by mortgage backed securities, usually when the money supply significantly increases or reduces. It is important to distinguish between mortgage rates and the Federal Reserve interest rate, also known as the Discount Rate.  While the two tend to go hand in hand over the longer term, short-term variations can occur. We […]

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