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Articles by Alexander Payne
Looking under the hood of the Agency MBS market
Want to know how a given asset class is performing? Look at the headline return for its market index. The headline figure shows the weighted average of returns across the whole of a given market. But if your goal is to understand the return potential within that market, you'll have to dig deeper into the numbers behind that headline figure. Performance on the Bloomberg U.S. Mortgage Backed Securities Index serves as a case in point. The index registered a modest 1.2% gain last year.
Expanding Homeownership with Calvert Mortgage Access Fund
Wealth inequality, which disproportionately affects marginalized groups, is a complex issue driven by many factors, including homeownership. Restricted access to credit, which enables millions to finance homes over 30 years or more, plays a significant role in the racial and generational wealth divide within the United States.
Would You Rather Borrow or Lend at a 7.6% Mortgage Rate?
Boston - This month, 10-year Treasury yields hit their highest level since 2007 (4.8%) and Agency MBS spreads reached the widest sustained level since 2009 (+180bps). Taken together, with origination costs and fees, 30-year fixed-rate mortgage rates are now at highs not seen since 2000 (7.6%). Source: Freddie Mac. As of 10/12/23. Homebuyer math gets a lot more complicated with mortgage rates 3x higher than they were in 2021.
Calvert Mortgage Access Fund Seeks Returns with Social Impact
Boston - The two largest barriers to homeownership are having enough money for a down payment and being able to qualify for a mortgage. We believe the Calvert Mortgage Access fund offers an opportunity to invest in a way that helps underserved communities overcome these obstacles, which can expand access to homeownership, while generating competitive returns for investors.
Expanding Access to Homeownership on Tribal Lands
Boston - Even with the deep and liquid mortgage market in the United States, many potential borrowers who fall outside traditional underwriting guidelines are unable to secure a home loan easily. These aspiring homeowners can have stable incomes and good credit, but for one reason or another they fail to qualify for conventional government loan programs, which are largely automated.
7 Dark Stories About Miniature People
When I was a little girl I loved stories about miniature people: first picture books about Tom Thumb and Thumbelina, then mighty Little My from Tove Janson’s Moomintroll books, Mistress Masham’s Respose by T.H. White, Rumer Godden’s The Dolls’ House, but above all, The Borrowers series by Mary Norton. The tiny Borrower family lead a secret life inside the walls of old houses, and once discovered, light out into the enormous wilderness of the front yard and the field.
'Eric Clapton Live in San Diego with Special Guest J.J. Cale' Highlights Revered Partnership (DVD REVIEW) - Glide Magazine
Because Live in San Diego captures a seasoned road ensemble at the peak of its powers, led by an iconic musician clearly inspired to nearly his highest level of playing, this DVD of Eric Clapton’s, issued to coincide with the archetypal guitar hero’s appearances at Madison Square Garden, may cast something of an unintentionally negative light on those New York shows.
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