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“Optimized” Secondary Marketing


Secondary Marketing Optimized

Open API Update


MCM is pleased to announce the roll-out of its Open API. This API conforms to the Open API Specification and allows clients to integrate their LOS information with MCM’s Hedge Analytics and Reporting software.

Hot Fallout – Crazy Price Change Matrix


Unicorn Zone – With fallout this low and unchanging, hedging with options would be unnecessary.

Hedge Errors


Why Hedged Mortgage Pipelines should not be hedged with linear hedge ratios.

Contribution Analysis


How to Determine Which Branch is Most Valuable

Normalcy Bias


Mortgage Bankers managing large pipelines of loans in process always need to stay on an even keel to avoid volatile earnings swings

Spot and Builder Commitment Float Down Locks Presentation


Forward Builder Commitments, Long Term Float Down Locks, Lock and Shop, Rate Protection Plan, One-time Close Float Downs....

Hedging Float Down Locks and Builder Commitments


The use of options as a tool to hedge a mortgage pipeline is nothing new and have been used since they began trading back in 1983. However, the technology and techniques have changed in how to apply them. Options can be an effective tool to reduce risks associated with residential mortgage loan fallout or renegotiations due to market movements. They can also be effective for extended term float down locks and forward builder commitments.

Temporary Mortgage Interest Rate Buydowns, aka “Buydowns”


In competitive purchase markets and during times of rising interest rates sellers of homes whether a builder or individual homeowner have elected in the past to advertise and/or offer purchasers/borrowers a break on their interest rates during a period - usually the first two years.

Lock and Shop & Float Down Lock Discussion


We all knew that a rise in interest rates would hit at some point in time. That time now appears to be upon us as we have seen the 10 Year Yield rise to levels not seen since 2013.

Sample One -Time Close or Spot Commitment Pricing


Call us @ (858) 483-4404 x220 to find out how to price and hedge this product

Market Volatility - Options Tool


Market Volatility is coming!



In the Mortgage Business...

One - Time Close with Float Down Pricing Protection


Considering the recent natural disasters, the renewed interest from home buyers/borrowers to build their new homes, and the relative low level of housing stock, it’s time for mortgage professionals to renew their One-Time (or Single) close product. However, with a new twist that provides borrowers, builders and lenders with more certainty and confidence that the deal will close at a profitable level.

Investor Basis Risk Update


Not paying attention to when a good day to sell your closed loans can cost you sometimes quite a bit!

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