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Articles by Victoria DeLuce
Beauty And The Basis Point
Alexandra Rivera Berrios, Beauty Pageant Contestant And MLO Keeps On Selling, Even Backstage; Andrea Lightfoot Is A 'Force To Be Reckoned With'; Be Brave! Acting on a whim can have satisfying results (honest); Curiosity Gets Results; Pros, Cons Of The Three Ways Mortgage Companies Get Paid; AI: A Great Tool (With Limitations); A License Renewal Program That Works; Practice Self-Care So You Don't End Up Running On Empty; and Mortgage Women Magazine celebrates success of women in the mortgage...
Where The Money Comes From
In my last article we discussed what affects the bond price and gave a crash course in hedging. To continue our journey on becoming the interest rate expert, we are going to focus on servicing values and servicing rights. Again, the five main variable components that go into rate-sheet pricing and interest rates are the bond price, servicing value, lenders’ cost to manufacture, loan originator compensation, and the borrowers’ risk profile.
Becoming The Interest Rate Expert
Building a rate sheet is a pretty simple mathematical equation. How much does the company get paid for that particular loan and how much does the company have to pay out. Five main variable components go into rate-sheet pricing and interest rates. The bond price, servicing value, lenders’ cost to manufacture, loan originator compensation, and the borrowers’ risk profile. For this segment we will focus on the bond price. We don’t have much control over the bond price and that’s why we hedge.
Staying Positive & Never Giving Up Hope
We have an extra-special Mortgage Mom’s interview for this edition. An industry friend faced what all mothers fear the worst, their baby being sick. I got to ask Jen Peachman, manager of strategic partnerships at Capacity, a few questions that will touch all of your hearts and give you hope for any challenges that you face! Moms (and dads) are superheroes with such strength! What’s helped to keep you positive dealing with your daughter’s lifelong health issues?
Leading Authentically
If you were to ask Kristy Fercho during her college years where she pictured herself working, her answer would have been Wall Street. The former finance major dreamed of leaving her West Coast roots and working amidst New York’s bustling stock exchange. However, Fercho has taken a path different from her original Wall Street aspirations.
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