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03-06-12 The ULTIMATE MORTGAGE Update 6 Final plus conditional acceptance .mp4

Introducing, informative and a great deal of information found on site

Modeling Reverse Mortgage Outcomes Key to Financial Planner Acceptance

“Reverse mortgages are something planners are becoming more and more interested in,” Timothy Jackson, the head of financial planner education and support for RMF, said. He hosted the August 16 webinar using eMoney, a popular financial planning software program.

The presentation provided common methods advisors are using to demonstrate the financial impact reverse mortgage funds have on a client’s retirement income plan. During the webinar, Jackson modeled common uses of reverse mortgages among advisors —a credit line to eliminate an existing mortgage balance being the most prevalent. The advisors learned how, under the right circumstances, reverse mortgage proceeds can increase both cash flows and in some cases legacy values.

In one scenario, a couple was considering refinancing their current $208,000 mortgage into a reverse mortgage to eliminate principal and interest payments. Jackson modeled the difference between either continuing to make payments or refinancing into a HECM and allowing the reverse mortgage debt to accumulate, highlighting the impact of each on the client’s plan.

Is the US Headed for Another Mortgage Crisis?

Natalya Vinokurova: One of the things many people do not realize is this last mortgage-backed securities market got started in the 1970s. Specifically, the goal was very much to find funding for the baby boomers as they were buying houses. What’s interesting about the market is that for the first 15 years or so of mortgage-backed securities being around, bond investors did not believe that these were bonds. The big project was convincing bond investors that they could treat mortgage-backed securities as bonds. One of my papers on this topic looks at the process by which mortgage-backed securities issuers convinced bond investors that these were, in fact, bonds.

Knowledge@Wharton: What did they do?

Vinokurova: Mortgage-backed securities and bonds are different on a number of dimensions. The dimension that bond investors were most concerned about in the 1970s and early 1980s was prepayment risk, with the idea being that mortgage-backed securities are bundles of mortgages. Your average borrower can repay his or her mortgage at any time. Most of the time, these borrowers would not incur a penalty. As an investor, this meant that if you were buying a security backed by 30-year mortgages, there was a very small chance that the security would still be around 30 years out. It could have been repaid in seven years, 12 years. There was a lot of uncertainty about when these mortgages would actually be repaid. As a bond investor, somebody’s trying to sell you something and they can’t even tell you how long this thing is going to be around. Obviously, bond investors pushed back.

What are the competitors of American Mortgage Acceptance (AMEX:AMC) that are doing better than AMC?

AMC is a REIT on the AMEX. They seem to be doing "AMC underperformed the Sector by 70% and the Real Estate Operations industry by 52%" as quoted by Scottrade. I'm looking for an REIT that performs well.

the sector has really been beaten up, including AMC, with most of the comps down 40-90%. several comps with positive returns year to date include NLY, MFA, CMO, DX and VRTA.

Самая детальная информация регистрация ооо цена на сайте.