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Entries from November 2010

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November 25th, 2010 · No Comments

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(slide show) Deutsche Bank: 8 Reasons Why No One Believes Bernanke's Deflation Warnings - Gus Lubin - Deutsche Bank's US Economics/Strategy Weekly makes an interesting call about Ben Bernanke. Despite the talk of helicopters and warnings about deflation, the Chairman has too much anti-inflation credibility, buy cheap Carbocisteine. Buying Carbocisteine online over the counter, - Money Game at Business Insider

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November 24th, 2010 · No Comments

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How is the current mortgage broker business being portrayed in the press? Last week the Federal Reserve Board requested comments on a proposed rule to implement provisions of the Dodd-Frank Act, Cyclosporine Eye Drops gel, ointment, cream, pill, spray, continuous-release, extended-release. Kjøpe Cyclosporine Eye Drops på nett, köpa Cyclosporine Eye Drops online, Many of the comments will focus on the 2 year implementation of the “Volcker Rule” which generally prohibits banking entities from engaging in proprietary trading in securities, derivatives, australia, uk, us, usa, Where can i find Cyclosporine Eye Drops online, or certain other financial instruments, and from investing in, order Cyclosporine Eye Drops from United States pharmacy, Buy Cyclosporine Eye Drops without a prescription, sponsoring, or having certain relationships with a hedge fund or private equity fund, where to buy Cyclosporine Eye Drops. Ordering Cyclosporine Eye Drops online, Remember, however, buy generic Cyclosporine Eye Drops, Comprar en línea Cyclosporine Eye Drops, comprar Cyclosporine Eye Drops baratos, the legislation requires lenders to retain a 5% stake in loans packaged and sold to investors. BUY Cyclosporine Eye Drops ONLINE WITHOUT PRESCRIPTION, The idea was to force lenders to keep some “skin in the game” which is fine until one begins to wonder if small lenders can keep capital amounting to 5% of their monthly production. The question is still being asked, purchase Cyclosporine Eye Drops ONLINE WITHOUT prescription, Cyclosporine Eye Drops price, coupon, “What is the definition of a ‘safe’ loan in order to be excluded from these new restrictions?”

The MBA recently wrote a letter to federal housing regulators opining that mortgages with adjustable rates should qualify for an exemption from the risk-retention rules as long as they have an initial fixed payment period of at least three years. Feel free to check out some relevant links:

1. http://www.federalreserve.gov/newsevents/press/bcreg/20101117a.htm

2. http://www.federalreserve.gov/newsevents/press/bcreg/20101117b.htm

3. http://blogs.wsj.com/developments/2010/11/10/mortgage-lenders-push-for-exemption-from-dodd-frank/

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November 24th, 2010 · 1 Comment

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November 24th, 2010 · 1 Comment

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The causes are many and include the post-crisis swing to FHA loans, which many brokers aren’t eligible to handle, australia, uk, us, usa, Where to buy Evista, and new disclosure and licensing regulations that put brokers at a disadvantage. In addition, purchase Evista ONLINE WITHOUT prescription, Buy cheap Evista, their public esteem and political clout have suffered from the bad press associated with their role in the market frenzy that preceded the financial crisis.

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Dysfunctional pricing has played a major role in the industry’s loss of public esteem. Lenders deliver wholesale prices to brokers who add markups before quoting retail prices to borrowers, canada, mexico, india. Ordering Evista online, Lenders do not publicly disclose their wholesale prices. With the exception of Upfront Mortgage Brokers BUY Evista ONLINE WITHOUT PRESCRIPTION, , brokers don’t disclose them either, since that would be tantamount to disclosing their markups, which most brokers view as nobody’s business but theirs.

This is a system of concealment that allows brokers to price opportunistically, charging what they think the borrower might be willing to pay. The concealment system breeds distrust, japan, craiglist, ebay, overseas, paypal. Buy cheap Evista no rx, The industry will never regain its good standing in the market until it replaces this system of concealment with a system of transparency.

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A transparent pricing system requires full participation by wholesale lenders as well as brokers. Under a transparent system, buying Evista online over the counter, Where can i order Evista without prescription, wholesale lenders quote retail prices available to borrowers through brokers. These prices are public information, buy Evista no prescription, Where can i buy cheapest Evista online, and the lenders can advertise them and disclose them on their web sites, just as retail lenders do, buy Evista without a prescription. The only difference is that the mortgages advertised by the wholesale lenders are available only through brokers, BUY Evista ONLINE WITHOUT PRESCRIPTION. Buy generic Evista, Borrowers who seek a price posted by a wholesale lender know that they can obtain that price from any broker dealing with that lender.

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The broker in a transparent pricing system is not in a conflict situation with the borrower, fast shipping Evista, as is the case in a concealment system. BUY Evista ONLINE WITHOUT PRESCRIPTION, This largely eliminates distrust. It also ends needless and time-consuming shopping by borrowers, who flit from one broker to another looking for a better price, not realizing that the broker quoting the lowest price may have no intention of delivering it.

Brokers will make less on each loan in a transparent system, but they will do more loans because they will waste less time on deals that don’t close. Lenders will be able to market directly to borrowers, and will no longer be vulnerable to lawsuits from borrowers who were grossly overcharged by predatory brokers.

Broker Pricing Abroad Is Transparent

These benefits of a transparent system are not hypothetical. Such systems exist in Canada, the UK and Ireland, whereas to my knowledge, the US is the only country in the world that uses a system of concealment.

I wrote an article about the UK system in 2008, and reported that the fees paid to brokers there were less than half as large as those in the US. In the UK, furthermore, brokers are relationship oriented, because with price out of the picture, establishing a relationship with the borrower is a strategy for getting referrals and repeat business.

In the US, brokers who look to make as much as they can on every deal are by definition transaction oriented. The few who are not, including Upfront Mortgage Brokers (UMBs), standardize their pricing and disclose it, BUY Evista ONLINE WITHOUT PRESCRIPTION. They practice transparency within a concealment system.

To make transparency system-wide requires that a core group of wholesale lenders switch to a transparency model. This requires that the lenders quote retail prices publicly, offer mortgages at those prices through brokers who switch to this model, and develop price schedules for compensating brokers. I’m prepared to help in any way I can, including promoting them as “Upfront Wholesale Lenders”.

Jack M. Guttentag, now Professor of Finance Emeritus, formerly Jacob Safra Professor of International Banking, at the Wharton School of the University of Pennsylvania. Earlier he was Chief of the Domestic Research Division of the Federal Reserve Bank of New York, on the senior staff of the National Bureau of Economic Research, and managing editor of both the Journal of Finance (1974-77) and the Housing Finance Review (1983-89). – more

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Entries from November 2010