Practical Mortgage : An Intermediate Class From Amortization To Z

PRACTICAL MORTGAGE Continuing Education for Real Estate Agents

MEET ME DAN GREEN LOAN OFFICER SINCE 2003 STUDENT OF THE GAME HTTP://THEMORTGAGEREPORTS.COM

COURSE OUTLINE

COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET

COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET 2. HOW AND WHY MORTGAGE RATES MOVE

COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET 2. HOW AND WHY MORTGAGE RATES MOVE 3. LOAN COSTS AND COMPARING MORTGAGES

COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET 2. HOW AND WHY MORTGAGE RATES MOVE 3. LOAN COSTS AND COMPARING MORTGAGES 4. CONFORMING MORTGAGES

COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET 2. HOW AND WHY MORTGAGE RATES MOVE 3. LOAN COSTS AND COMPARING MORTGAGES 4. CONFORMING MORTGAGES 5. FHA MORTGAGES

COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET 2. HOW AND WHY MORTGAGE RATES MOVE 3. LOAN COSTS AND COMPARING MORTGAGES 4. CONFORMING MORTGAGES 5. FHA MORTGAGES 6. NON-CONFORMING MORTGAGES

COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET 2. HOW AND WHY MORTGAGE RATES MOVE 3. LOAN COSTS AND COMPARING MORTGAGES 4. CONFORMING MORTGAGES 5. FHA MORTGAGES 6. NON-CONFORMING MORTGAGES 7. PREDICTING MORTGAGE RATES

MORTGAGE-BACKED BONDS

MORTGAGE-BACKED BONDS Understanding mortgage-backed bonds

MORTGAGE-BACKED BONDS Bonds are safe

MORTGAGE-BACKED BONDSPricing in the mortgage-backed bond market

MORTGAGE-BACKED BONDSThe relationship between Treasuries and MBS

MORTGAGE-BACKED BONDSOther Things That Dont Control Mortgage Bonds

MORTGAGE-BACKED BONDS How MBS relates to mortgage rates

MORTGAGE DELIVERY CHANNELS Courtesy: cwbuecheler

MORTGAGE DELIVERY CHANNELS Mortgage Banker vs Mortgage Broker

MORTGAGE DELIVERY CHANNELS Brokers : Yield Spread Premium

MORTGAGE DELIVERY CHANNELS Banks : Servicing Release Premium

RATE SHEETS Par pricing

RATE SHEETS Discount Points

RATE SHEETS Rebate

RATE SHEETSThere’s no such thing as “today’s rate”

HOW MORTGAGE RATES MOVE

HOW MORTGAGE RATES MOVE Economic Forces

HOW MORTGAGE RATES MOVE Geopolitical Forces

HOW MORTGAGE RATES MOVE Technical Forces

HOW MORTGAGE RATES MOVE Its a roller coaster

BREAK / Q&A

UNDERSTANDING LOAN COSTS

GOOD FAITH ESTIMATE

GOOD FAITH ESTIMATE Origination Charges

GOOD FAITH ESTIMATE Prepaid Items

GOOD FAITH ESTIMATE Third-Party Charges

GOOD FAITH ESTIMATE Comparing Mortgage Costs

ANNUAL PERCENTAGE RATE Understanding APR

ANNUAL PERCENTAGE RATE APR for ARMs

MORTGAGE RATE COMPARISONS Multi-variate math

CONFORMING MORTGAGES

CONFORMING MORTGAGES Traits of conforming mortgages

CONFORMING MORTGAGES Investor overlays Courtesy: Dan Brady

CONFORMING MORTGAGES “Special” loan programs

CONFORMING MORTGAGES Loan-level pricing adjustments

FHA MORTGAGES

FHA MORTGAGESTraits of FHA-backed mortgages

FHA MORTGAGESFHA mortgage insurance premiums

BREAK / Q&A

NON-CONFORMING MORTGAGES

NON-CONFORMING MORTGAGES Traits of non-conforming mortgages

NON-CONFORMING MORTGAGES Jumbo mortgages Courtesy: Rusty Boxcars

NON-CONFORMING MORTGAGES Portfolio mortgages

NON-CONFORMING MORTGAGES HELOCs and HELOANs

GAME TIMEPredict what mortgage rates will do next

CONGRATULATIONS Youre 3 CE Credits Richer

Practical Mortgage : An Intermediate Class From Amortization To Z

by Dan Green on Dec 13, 2010

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Practical Mortgage : An Intermediate Class From Amortization To Z — Presentation Transcript

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