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Real estate industry

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Risk management: key to survival and success in the 1990s

Article Abstract:

Mortgage insurers have come to realize that property values can depreciate and have devised risk management plans that adapt to changing market conditions. In the 1980s, the deregulation of financial services, new mortgage products and borrowers' belief that property values will continue to appreciate contributed to increased risks in the housing market. New risk factors in the 1990s, such as decreased housing demand and the difficulty of estimating household formations, are discussed. Like mortgage insurers, mortgage lenders and investors should learn that the success of the mortgage finance industry depends on quality risk management.

Management, Economic aspects, Risk management

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ARMs versus FRMs: which is better?

Article Abstract:

A fixed-rate mortgage (FRM) has been conventionally used for residential financing in the US although during the 1980s, adjustable-rate mortgages (ARM) came up as a viable alternative. Real estate financing professionals perceived that when interest rates dropped to lower levels, ARMs usage would fall and would not be a constant source of real estate financing. The drop in the FRM rates to low levels made lenders lower the rates on ARMs.

House buying, Home buying, Adjustable rate mortgages

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The emerging market for commercial mortgage conduits

Article Abstract:

The distribution and purchasing of commercial mortgaged-backed securities (CMBS) are handled by commercial mortage conduits such as commercial banks and insurance companies. Such conduits allowed real estate investors to obtaincapital for acquiring properties on mortgage terms. The conduits also serve in areas of marketing, trading, underwriting, management, credit enhancement and sourcing.

Mortgage Bankers, Real Estate Credit, Administration of Housing Programs, Mortgage Financing & Insurance, Finance, Commercial loans

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