Practical Mortgage : An Intermediate Class From Amortization To Z

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An intermediate look at mortgages, mortgage markets, and the drivers that change mortgage rates daily.

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  • Risk v Reward\nSafe Haven\n\n
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  • Credit lines, Warehouse\nThird-party\n
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  • Inflation\nEmployment\nConsumer Confidence\n
  • Safe Haven Buying\nUS Dollar\n
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  • How do you shop for a car?\n
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  • Practical Mortgage : An Intermediate Class From Amortization To Z

    1. 1. PRACTICAL MORTGAGE Continuing Education for Real Estate Agents
    2. 2. MEET ME DAN GREEN LOAN OFFICER SINCE 2003 STUDENT OF THE GAME HTTP://THEMORTGAGEREPORTS.COM
    3. 3. COURSE OUTLINE
    4. 4. COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET
    5. 5. COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET 2. HOW AND WHY MORTGAGE RATES MOVE
    6. 6. COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET 2. HOW AND WHY MORTGAGE RATES MOVE 3. LOAN COSTS AND COMPARING MORTGAGES
    7. 7. COURSE OUTLINE 1. MORTGAGE-BACKED SECURITIES MARKET 2. HOW AND WHY MORTGAGE RATES MOVE 3. LOAN COSTS AND COMPARING MORTGAGES 4. CONFORMING MORTGAGES
    8. 8. 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
    9. 9. 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
    10. 10. 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
    11. 11. MORTGAGE-BACKED BONDS
    12. 12. MORTGAGE-BACKED BONDS Understanding mortgage-backed bonds
    13. 13. MORTGAGE-BACKED BONDS Bonds are safe
    14. 14. MORTGAGE-BACKED BONDSPricing in the mortgage-backed bond market
    15. 15. MORTGAGE-BACKED BONDSThe relationship between Treasuries and MBS
    16. 16. MORTGAGE-BACKED BONDSThe relationship between Treasuries and MBS
    17. 17. MORTGAGE-BACKED BONDSThe relationship between Treasuries and MBS
    18. 18. MORTGAGE-BACKED BONDSThe relationship between Treasuries and MBS
    19. 19. MORTGAGE-BACKED BONDSOther Things That Dont Control Mortgage Bonds
    20. 20. MORTGAGE-BACKED BONDSOther Things That Dont Control Mortgage Bonds
    21. 21. MORTGAGE-BACKED BONDSOther Things That Dont Control Mortgage Bonds
    22. 22. MORTGAGE-BACKED BONDS How MBS relates to mortgage rates
    23. 23. MORTGAGE DELIVERY CHANNELS Courtesy: cwbuecheler
    24. 24. MORTGAGE DELIVERY CHANNELS Mortgage Banker vs Mortgage Broker
    25. 25. MORTGAGE DELIVERY CHANNELS Mortgage Banker vs Mortgage Broker
    26. 26. MORTGAGE DELIVERY CHANNELS Mortgage Banker vs Mortgage Broker
    27. 27. MORTGAGE DELIVERY CHANNELS Brokers : Yield Spread Premium
    28. 28. MORTGAGE DELIVERY CHANNELS Banks : Servicing Release Premium
    29. 29. RATE SHEETS Par pricing
    30. 30. RATE SHEETS Discount Points
    31. 31. RATE SHEETS Rebate
    32. 32. RATE SHEETSThere’s no such thing as “today’s rate”
    33. 33. RATE SHEETSThere’s no such thing as “today’s rate”
    34. 34. RATE SHEETSThere’s no such thing as “today’s rate”
    35. 35. RATE SHEETSThere’s no such thing as “today’s rate”
    36. 36. HOW MORTGAGE RATES MOVE
    37. 37. HOW MORTGAGE RATES MOVE Economic Forces
    38. 38. HOW MORTGAGE RATES MOVE Geopolitical Forces
    39. 39. HOW MORTGAGE RATES MOVE Geopolitical Forces
    40. 40. HOW MORTGAGE RATES MOVE Technical Forces
    41. 41. HOW MORTGAGE RATES MOVE Technical Forces
    42. 42. HOW MORTGAGE RATES MOVE Its a roller coaster
    43. 43. BREAK / Q&A
    44. 44. UNDERSTANDING LOAN COSTS
    45. 45. UNDERSTANDING LOAN COSTS
    46. 46. GOOD FAITH ESTIMATE
    47. 47. GOOD FAITH ESTIMATE Origination Charges
    48. 48. GOOD FAITH ESTIMATE Origination Charges
    49. 49. GOOD FAITH ESTIMATE Prepaid Items
    50. 50. GOOD FAITH ESTIMATE Third-Party Charges
    51. 51. GOOD FAITH ESTIMATE Comparing Mortgage Costs
    52. 52. ANNUAL PERCENTAGE RATE Understanding APR
    53. 53. ANNUAL PERCENTAGE RATE Understanding APR
    54. 54. ANNUAL PERCENTAGE RATE Understanding APR
    55. 55. ANNUAL PERCENTAGE RATE Understanding APR
    56. 56. ANNUAL PERCENTAGE RATE APR for ARMs
    57. 57. MORTGAGE RATE COMPARISONS Multi-variate math
    58. 58. MORTGAGE RATE COMPARISONS Multi-variate math
    59. 59. MORTGAGE RATE COMPARISONS Multi-variate math
    60. 60. MORTGAGE RATE COMPARISONS Multi-variate math
    61. 61. MORTGAGE RATE COMPARISONS Multi-variate math
    62. 62. MORTGAGE RATE COMPARISONS Multi-variate math
    63. 63. CONFORMING MORTGAGES
    64. 64. CONFORMING MORTGAGES Traits of conforming mortgages
    65. 65. CONFORMING MORTGAGES Investor overlays Courtesy: Dan Brady
    66. 66. CONFORMING MORTGAGES Investor overlays Courtesy: Dan Brady
    67. 67. CONFORMING MORTGAGES “Special” loan programs
    68. 68. CONFORMING MORTGAGES Loan-level pricing adjustments
    69. 69. CONFORMING MORTGAGES Loan-level pricing adjustments
    70. 70. CONFORMING MORTGAGES Loan-level pricing adjustments
    71. 71. CONFORMING MORTGAGES Loan-level pricing adjustments
    72. 72. CONFORMING MORTGAGES Loan-level pricing adjustments
    73. 73. CONFORMING MORTGAGES Loan-level pricing adjustments
    74. 74. CONFORMING MORTGAGES Loan-level pricing adjustments
    75. 75. FHA MORTGAGES
    76. 76. FHA MORTGAGESTraits of FHA-backed mortgages
    77. 77. FHA MORTGAGESFHA mortgage insurance premiums
    78. 78. BREAK / Q&A
    79. 79. NON-CONFORMING MORTGAGES
    80. 80. NON-CONFORMING MORTGAGES Traits of non-conforming mortgages
    81. 81. NON-CONFORMING MORTGAGES Jumbo mortgages Courtesy: Rusty Boxcars
    82. 82. NON-CONFORMING MORTGAGES Portfolio mortgages
    83. 83. NON-CONFORMING MORTGAGES HELOCs and HELOANs
    84. 84. GAME TIMEPredict what mortgage rates will do next
    85. 85. CONGRATULATIONS Youre 3 CE Credits Richer

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