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Why Forward Builder Commitments

5/1/2017

Forward Builder Commitments protect sales in rising rate environments.


Forward Builder Commitments and Spot Commitments

4/19/2017

To protect their current and future inventory, homebuilders are entering into Forward Builder Commitments with mortgage lenders.


Top 5 Pipeline Management Mistakes Made Since the Election

11/29/2016

1. Bad Hedge Ratios: 2. Static Fallout Estimates: 3. No Option Coverage: 4. Old Pricing Levels: 5. Underestimating Locks:


Investor Basis Risk

8/31/2015

The basis risk between the daily price changes between the coupon and MBS TBA security used to hedge and the execution or pricing source for their mortgages.


Options

4/15/2015

Don’t wait until you are out of Options before you want to use them…


Rate Protection PLan

3/25/2015

Float Down Lock Pricing Option for Mortgage Bankers


Synthetic Puts

10/3/2014

To further reduce the effects of basis risk one should keep the amount of coverage provided by both Treasury Puts and Synthetic Puts (Treasury Call purchases with MBS TBA forward sales) equal thereby keeping the effects of spread widening or tightening on either side of the equation equal.


Top 10 Mortgage Pipeline Hedging Mistakes Part III

12/20/2013

In this three-part blog series, Mortgage Capital Management (MCM) helps you better understand the top 10 most common mortgage pipeline hedging mistakes that can eat away at your profits.


Top 10 Mortgage Pipeline Hedging Mistakes Part II

12/16/2013

In this three-part blog series, Mortgage Capital Management (MCM) helps you better understand the top 10 most common mortgage pipeline hedging mistakes that can eat away at your profits. II


OAS SERVICING PORTFOLIO VALUATION

12/10/2013

At Mortgage Capital Management, Inc. we are frequently asked to provide mortgage servicing rights (MSR) valuation. And we have done so for over 20 years. However this service was typically limited to special purposes or employed to value locked and closed loan pipeline (aka, newly originated loans) for existing clients.


Builder Commitment Pricing

7/30/2013

Sample Forward Commitment Quotes Copyright 2013 Mortgage Capital Management, Inc.


Data Integrity

5/30/2013


Ways to Mess up in Secondary Marketing:

5/3/2013

The difference between a highly profitable mortgage lender and a mediocre one sometimes comes down to the methods, tools, and policies used to minimize risk and decrease liability. There are many different ways to run your secondary marketing operation and knowing the difference between the most and least effective is a key differentiator.


Understanding MCM’s Forward Builder Commitment Quote Sheet

3/20/2013

To help mortgage bankers determine pricing and hedging for builder commitments on rates and fees, MCM offers a Forward Builder Commitment Quote Sheet.


Sample Builder Commitment Quote Sheet

3/13/2013


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