Displaying 1 - 9 of 9 results.
June 17, 2024
For those that are not seller/servicer approved with Freddie Mac, perhaps there’s no better time to consider it than now. The Federal Housing Finance Agency (FHFA), the regulator of Freddie…
View Article →April 24, 2024
Cost Structures: Fixed or Variable? Mortgage departments are increasingly focused on the cost side of the equation as volume slows and can become increasingly profitable as fixed costs are optimized…
View Article →June 15, 2021 | Ask ALM
As if hedging mortgage risk wasn’t complicated enough, 2021 has brought some interesting updates and trends—the outcome of which could make hedging and investing in mortgage debt more challenging. Higher…
View Article →June 29, 2020 | Ask ALM
If your institution is like most of the depositories we work with, then mortgage lending is a substantial part of your business. However, it’s important to understand your current mortgage…
View Article →June 18, 2019 | Ask ALM
Slower global growth expectations and a more dovish tone from the Fed in 2019 have led the fixed-income market to price for rate cuts within the next 12 months. As…
View Article →July 25, 2018
Mortgage lending is a sizable part of most consumer banks’ business, providing an important revenue stream and helping them stay competitive. To reduce market risk and free up liquidity to…
View Article →January 23, 2018 | Ask ALM
Mortgage pipeline hedging falls under the broad umbrella of secondary marketing. The goal of pipeline and secondary marketing risk management is to consistently deliver loans profitably to investors while minimizing…
View Article →March 23, 2017 | Ask ALM
Question: I’ve heard that financial institutions can hedge their mortgage pipeline by shorting TBA mortgage-backed securities. What are the advantages, as well as the compliance issues? To generate more funds…
View Article →March 1, 2017 | Ask ALM
Question: I’ve heard that financial institutions can hedge their mortgage pipeline by shorting TBA mortgage-backed securities. What are the advantages, as well as the compliance issues? To generate more funds…
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