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PPT : What is Mortgage Banking?

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Mortgage Banking connects the needs of borrowers with the demands of investors to provide a deep and liquid mortgage marketplace in the U.S.
Originations
o Source qualified borrowers
o Underwrite mortgages
o Fund mortgages
o Pool mortgages by type
o Sell mortgages to investors
+ through Agencies
+ through private securitization vehicles
o Government-sponsored entities create a liquid securitization market:
+ Credit risk sold
+ Need not be self-funded
+ Standardized product
o Virtually no prepayment penalties
+ Results in high refinance market
o Capital requirements low
o Limited secondary market, assets retained
+ Credit risk retained
+ Funded through bond issuances
o Prepayment penalties
+ Limits refinance market and origination volume

Although the underlying characteristics are similar across the two regions, fundamental differences exist in the two markets.
U.S. Borrowers’ View of Mortgage Product
o 1st liens on real property (e.g., collateral specific)
o Typically no penalty for prepayment
o Variety of basic terms:
+ Fixed rate mortgages: predominantly 15 year or 30 year
+ Adjustable rate mortgages: ARM and ARM hybrids
+ Other hybrid products:
# Interest only payments
# Reverse mortgages
# Balloon principal

ABN AMRO offers a variety of product but does not participate in interest-only mortgages, reverse mortgages or balloon mortgages.

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PPT : What is Mortgage Banking? Category : Banking
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