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Builder Commitments & Spot Float Down Locks

6/4/2021

Given the fact that post Covid we are in an economy that is struggling with supply shortages and delays and rising prices doesn't it make sense to protect a home sale, build or purchase from long delays and rising interest rates? Builder Commitments and Spot Float Down locks through MCM's RPP program is the answer.


Total Sale Optimization

4/29/2021

MCM’s Total Sale Optimization (TSO) system was designed and built not only to maximize each lender’s returns from individual loan sales and/or bulk sales, but to maximize all sales executable.


MBA Spring Conference & Expo 2021

4/29/2021

MCM Options & Pandemic spread execution presentation.


Optimization

3/2/2021

MCM Hedge Optimization


Rate Protection Program

2/4/2021

New Float Down Lock Structure provides borrowers protection for up to 180 days with no upfront fee


Long Term Float Down Pricing

1/27/2021

Rate Protection Program - Float Down Protection - Spot Builder Commitment


YTD 10yr Option Volatility

9/28/2020

Bond Market Option Traders are not pricing in potential market volatility due to either the election or a viable vaccine. Or they think they will cancel out.


Hedge Commander System

7/17/2020

New MCM Hedge Commander System: Calibrate, Focus, Execute


Why Get Whipsawed?

4/17/2020

I'm sure all market participants now know what it means to be Wipsawed by the market. Here is a presentation on the subject from last August 2019.


MBA Capital Markets Committee Options Presentation on 4/16/2019

4/17/2020

Who needs options? 1. Mortgage bankers whose Pipelines have high Fallout volatility exposure – and need to avoid the whipsaw effect - what does this mean? Here is an example.


Servicing Value Implosion

4/1/2020

Recently, correspondent lenders across the board have pulled back drastically on their pricing for all loans that they previously purchased for securitization purposes.


Fed Policy and Actions:

3/30/2020

Stabilize the TBA mortgage backed securities market, instead of announcing big purchases (greater than daily production)


Residential Mortgage Servicing Policy

3/30/2020

The moral hazard issue regarding mortgage servicing and its primary cause stems from the GAAP accounting ruling (FAS ASC 860-50-25-1.)


Execution Spreads

3/27/2020

The agencies have gone off a cliff - these graph are ugly!


Bulk Execution Problem

3/25/2020

the spread between what “Bulk” investors are paying for various loan rates and programs versus what those loans are hedged with – TBA mortgage backed securities.


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