Securitization of commercial mortgage loans

Article Abstract:

The securitization of commercial mortgage loans is growing at a rapid rate. There do not appear to be any signs that this emerging trend will be diminished. In addition, it seems likely that securitization will become one of the most common ways to finance commercial real estate. While the type of commercial mortgage loans securitized in each transaction differs, the issues that arise in these transactions tend to be similar. These include transaction structure, mortgage loan purchase agreement, tax issues and accounting considerations.

Asset-backed securities, Asset backed securities

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The rising long-term trend of single-family mortgage foreclosure rates

Article Abstract:

The increasing long-term trend of single-family mortgage foreclosure rates is examined. The trend may be partially explained by a variety of variables such as house appreciation. To provide further explanation, the notion that the incidence of shocks to individual lifestyles has increased and that the risk posture of individuals has increased are explored. It was found that the risk posture hypothesis appears more consistent with various disparate incentives and trends relating to household financial management.

Foreclosure, Home economics

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Mortgage amortization schedules: a closer look

Article Abstract:

Wall Street's entry to the commercial mortgage debt markets has brought about significant changes in the way investors transact their businesses and the method of calculating amortization schedules. Generally, mortgage rates are typically determined by dividing the loan and interest rate to the total number of periods, preferably to twelve 30-day periods. However, investors in Wall Street have modified this formula in order to acquire hidden yields from debtors.

Commercial Banking, Business Financing, Wall Street, Amortization

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