Introduction There are some core differences in the student loan markets across the United Kingdom (UK) and United States (US), most of which are product and origination related and the differing timing and conditions of repayment obligations. The US market also includes a private origination element that, as yet, doesn’t exist in the same way… Read more »
In this issue… Commercial Mortgage Market Update Dean C. Hurley, Senior Vice President, Capital Markets Group We have seen the media and the news is out—developed countries such as the United States are providing engines for the world economy for the first time in five years as opposed to emerging markets. The question now is… Read more »
Mortgage Rates since September have been relatively stable and range bound leading to Mortgage Servicing Rights (MSR) valuations that have also stayed in a fairly tight range of +/- 10 basis points over the past quarter. Most of our clients with lower coupon product have stayed within a +/- 5 basis point range. The 30-Year… Read more »
One of the primary goals for any secondary marketing manager is to develop systems and controls for measuring and managing mortgage pipeline risks in order to make better decisions regarding secondary marketing execution. The end-game is to enable the company to realize the profit margin that is baked into the pricing on “day one” of… Read more »
The US Housing Market Roy Park, Senior Vice President, Capital Markets Group The U.S. residential real-estate market seems to have finally turned the corner, as home price changes have been positive over the last several months on a year-over-year basis even without any direct government subsidies. The price movements have coincided with improvements in the… Read more »