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Relevant bibliographies by topics / Mortgage loan servicing

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Academic literature on the topic 'Mortgage loan servicing'

Author: Grafiati

Published: 4 June 2021

Last updated: 1 August 2024

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Journal articles on the topic "Mortgage loan servicing"

1

Van Drunen, Leonard D., and John J. McConnell. "Valuing mortgage loan servicing." Journal of Real Estate Finance and Economics 1, no. 1 (March 1988): 5–22. http://dx.doi.org/10.1007/bf00207900.

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Lux, Nicole, and Sotiris Tsolacos. "Loan Characteristics as Predictors of Default in Commercial Mortgage Portfolios." International Journal of Economics and Financial Research, no. 71 (February 17, 2021): 1–4. http://dx.doi.org/10.32861/ijefr.71.1.4.

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This paper examines the role of loan characteristics in mortgage default probability for different mortgage lenders in the UK. The accuracy of default prediction is tested with two statistical methods, a probit model and linear discriminant analysis, using a unique dataset of defaulted commercial loan portfolios provided by sixty-six financial institutions. Both models establish that the attributes of the underlying real estate asset and the lender are significant factors in determining default probability for commercial mortgages. In addition to traditional risk factors such as loan-to-value and debt servicing coverage ratio lenders and regulators should consider loan characteristics to assess more accurately probabilities of default.

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Cochran, Robert J., Edward N. Coffman, and David W. Harless. "FAIR VALUE CAPITALIZATION OF MORTGAGE LOAN SERVICING RIGHTS." Research in Accounting Regulation 17 (January 2004): 153–65. http://dx.doi.org/10.1016/s1052-0457(04)17007-0.

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4

Schneberger, Scott L. "Stater NV: E-Servicing Strategies." Journal of Information Technology 19, no. 2 (June 2004): 108–16. http://dx.doi.org/10.1057/palgrave.jit.2000014.

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After 2 years of on-line experiments, Tom van Vianen, CEO, felt certain it was time to fully implement STATER NV's new ‘e-servicing’ concept with a cohesive strategy. Established in 1997 in The Netherlands and headquartered in Amersfoort, STATER had 27 business clients and serviced over 80 different mortgage portfolios of more than 450,000 mainly residential loans in the Netherlands, Belgium, and Germany. Their mortgage service operations and information systems were considered state-of-the-art in 2002, but they were moving business on-line while simultaneously increasing the types of services provided and expanding operations into Spain, France, and Italy — within the next five years. In a land known for taming the forces of the sea, Tom faced what seemed like a sea of ‘e-uncertainty.’ What exact roles should STATER play in an on-line loan market? How should they position themselves to lead in those roles? The E-Servicing Steering Committee looked to Tom to direct them, and he knew he needed a clear vision for the next Steering Committee meeting in 2 months, in May 2002.

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Tsyganov, Aleksandr A., and Andrey D. Yazykov. "BANK REGULATION BASED ON PERMANENT AFFORDABILITY OF PAYMENT FOR A MORTGAGE BORROWER." Banking law 5 (October 29, 2020): 47–54. http://dx.doi.org/10.18572/1812-3945-2020-5-47-54.

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Mortgage lending plays a key role in providing citizens with housing. However, the processes of obtaining and servicing a mortgage loan are associated with the provision of a large number of interconnected finan-cial services, each of which requires a quality relationship with the consumer. The article proposes to discuss a number of basic indicators and approaches to increase the protection of financial services consumers in mortgage lending, as well as instruments of influence on financial organizations providing such services. In particular, it is proposed to fix the numerical value of the maximum debt burden on the borrower as an indicator of a sustainable mortgage loan, as well as factors taken into account when calculating it at any time during the life of the loan, and not only at the time of its issuance.

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Cochran, Robert J. "The Financial Accounting Standards Board’s Fair Value Mandate: Are Level 3 Assets and Liabilities Being Measured Accurately?" Accounting and Finance Research 7, no. 2 (January 15, 2018): 33. http://dx.doi.org/10.5430/afr.v7n2p33.

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This study asks the following question with respect to level 3 fair value assets and liabilities: are level 3 fair value assets and liabilities being measured accurately? An argument is made that since level 3 markets do not exist (as defined in ASC 820), it is not possible to determine a level 3 value. Data is examined, both pre- and post- SFAS No. 157 with respect to a specific level 3 asset that can be found on the balance sheet of most publically traded financial institutions, mortgage loan servicing rights. The data suggests that the FASB’s attempt to clarify fair value had no effect on the levels of capitalization of mortgage loan servicing rights. An additional argument is made that the language in ASC 820 undermines the requirement that level 3 fair values reflect a “market” value rather than an “investment” value.

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Ushanov, Aleksandr Evgenievich. "Commercial mortgage lending: standardization issues." Vestnik of Astrakhan State Technical University. Series: Economics 2020, no. 2 (June 30, 2020): 100–106. http://dx.doi.org/10.24143/2073-5537-2020-2-100-106.

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The article states that a loan secured by commercial property (commercial mortgages), as one of the most popular types of corporate loans has a number of advantages compared to other types of borrowing: the borrower is able to quickly get the necessary amount of money for any need - business expansion, working capital, ability to Finance large deals, and the disposal of banks remains liquid assets, quick sale which will cover damages in case of default by the cus-tomer of the terms of the loan. It is confirmed that the product is characterized by specific risks, often resulting in refusal of credit or their manifestations in the course of servicing the debt: unac-ceptable for the lender level of capitalization and liquidity of the collateral, the degree of occupan-cy of commercial real estate and the level of indexing of interest rates on leases; rental impropriety of the object for commercial use; encumbrances accept collateral in other liabilities etc. It is noted that one of the ways to improve the process of commercial mortgage lending in order to reduce transaction risks is its standardization. In the Russian Federation, the Association of Russian Banks is developing banking standards, which to date has approved more than fifteen standards (most of them are banking business process quality standards and methodological documents). It is pro-posed to develop a Standard for the lending process secured by commercial real estate; a matrix of requirements for the components of this process is provided, reflecting the best practices of leading Russian banks working in the field of commercial mortgages. In using the Standard, stakeholders are both credit institutions and borrowers.

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Vestewig, Robert P. "A review of commercial mortgage loan servicing best practice in the USA." Briefings in Real Estate Finance 3, no. 1 (June 2003): 35–49. http://dx.doi.org/10.1002/bref.87.

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Parihar, Mr Jayesh, and Prof Megha Bhogawar. "Review Paper- Reverse Mortgage in India." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 01 (January 8, 2024): 1–10. http://dx.doi.org/10.55041/ijsrem27949.

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In today's fast paced business environment, banks operating in retail space require a change resilient vertically integrated value chain for delivering the most competitive product and services. This need is redefining the boundaries of a bank's value chain creating greater thrust for the value add, right from the lowest end of the delivery channels. In the loans and advances product space, this requires an integration strategy right from sourcing, evaluating and servicing to collections, recoveries and written-off management. This project elaborate the delivery capability of bank, operating loan against property space which is faced with challenges of rapid changing products and business process and also to handle large transaction volume handling due to high business volumes. This project focuses on the business challenges faced by one of the largest bank having 3000 concurrent users and with over 3 million customers worldwide. The bank needs to implement a business process with the needed level of automation and to build up services capabilities foe tapping a nationwide market for loans and advances business of secured and unsecured portfolio. Keywords – Reverse Mortgage, Retirement Planning, India, Financial Independence.

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Yurkiv, Nadiia, Oleksandr Dubrovin, and Serhii Davydenko. "State Support of Mortgage Lending as a Condition for Ensuring Stable Development of the National Economy." ЕКОНОМІКА І РЕГІОН Науковий вісник, no. 1(80) (March 25, 2021): 92–99. http://dx.doi.org/10.26906/eir.2021.1(80).2243.

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The issues of state support of mortgage lending in Ukraine as a tool to stimulate the housing market, expand the opportunities of a wide range of citizens to meet housing needs and ensure the stable development of the national economy are considered. The fragmentation of the state housing policy and various instruments of state support for housing market participants are noted. Emphasis is placed on the significant unrealized potential of the construction sector, whose contribution to the domestic economy is three times smaller than the European average. The state and dynamics of the housing stock of Ukraine, the development of which remains highly sensitive to changes in the economy, are analysed. The problem of inaccessibility of mortgage lending for the general population is emphasized, which is mitigated both by market decisions of banks to reduce real mortgage rates and government initiatives to introduce and improve programs for affordable loans and housing. The practice of state programs in the housing market is analysed and the preservation of problems of their effective implementation is noted, including limited and instability of financing, the ambiguity of participation conditions, narrow target orientation, the inconsistency of responsibility of program participants. The peculiarities of the current mortgage lending are determined, among which the increase of new mortgage loans, the dominance of agreements on the secondary market, the limited number of mortgage lending banks, the provision of mortgage loans for a short period. New government initiatives to stimulate mortgage lending are considered, among the positive aspects of which is the priority of reducing the % of loan servicing, harmonization of relevant regulations, clarification of the procedure for participation. It is proposed to apply a systematic approach to the development of state support programs, which will be based on priorities by stimulating the growth of incomes and solvency of broad sections of citizens and the involvement of innovative developers in programs.

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Dissertations / Theses on the topic "Mortgage loan servicing"

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Chan, Yuen-yee Emily. "A Study of mortgage transaction goverance in Hong Kong with particular reference to mortgage default." Click to view the E-thesis via HKU Scholars Hub, 2004. http://lookup.lib.hku.hk/lookup/bib/B37905284.

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Burkhalter, Jenna M. "A climate assessment of Pulte Homes Mortgage Department." Menomonie, WI : University of Wisconsin--Stout, 2007. http://www.uwstout.edu/lib/thesis/2007/2007burkhalterj.pdf.

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Chang, Joon Keun. "Analysis of distressed Commercial Mortgage backed Securities (CMBS) loans and special servicing : a case study." Thesis, Massachusetts Institute of Technology, 2020. https://hdl.handle.net/1721.1/129103.

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Thesis: S.M. in Real Estate Development, Massachusetts Institute of Technology, Program in Real Estate Development in conjunction with the Center for Real Estate, September, 2020
Cataloged from student-submitted PDF of thesis.
Includes bibliographical references (pages 49-53).
The outbreak of the COVID-19 pandemic in late 2019 has largely impacted the global economy by changing every aspect of our living environment with limited social and economic activities throughout 2020. This unprecedented economic downfall exposed real estate properties to high risk of default, pushing the CMBS loans delinquency rate to 10.32% in June 2020. As such an economic halt is likely to prevail, it is expected that the Commercial Real Estate (CRE) market would experience more distress in terms of debt service. Thus, it is imperative to overview the CMBS securitization process, the servicing structure, and the workout scenarios in case of loan default in order to understand the complexity of the CMBS structure and better prepare appropriate measures or strategies in response to current market landscape. By having a case study on 666 Fifth Avenue in New York, this paper will analyze one of the most high-profile properties that was transferred to special servicing to review strategies to resolve financial distress.
by Joon Keun Chang.
S.M. in Real Estate Development
S.M.inRealEstateDevelopment Massachusetts Institute of Technology, Program in Real Estate Development in conjunction with the Center for Real Estate

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Shikangalah, Rosemary N. "Challenges of delivering low-income housing : a case study of the Build Together Programme of Namibia." Thesis, 2005. http://hdl.handle.net/10413/2145.

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A common strategy in dealing with housing shortages is the provision of loans to low-income groups. Tried in many countries for a very long time, this approach has produced a common phenomenon - poor servicing of loans. Thus, an empirical study was undertaken in Namibia, using the country's Build Together Programme as a case study. The aim of the study was to understand how the livelihood circumstances of the beneficiaries might be contributing to their inability to meet their loan obligations. The BTP's beneficiaries and the housing officers at both local and national level constituted the study's respondents. Housing officers responded to questions in an interview schedule while the beneficiaries were engaged using an interviewer-administered questionnaire. All beneficiaries were purposefully identified on account of outstanding arrears on their loans. Reviewing of literature covered the challenge of urban housing and strategies used to address it at both global and national level, documentary analysis on government documents to provide information on establishment of BTP and lastly, the direct observation of the concerned sites. The study focused on BTP in Windhoek (WHK) particularly in two settlements, Katutura (a formal settlement) and Goreangab (an informal settlement). Poor servicing of loans was shown to be closely associated with the socio-economic circumstances of the beneficiaries. This suggests the importance to recognise that housing is not just about the physical structure called a house, but there are other more subtle but equally important considerations that need to be met. Issues such as reliance on wage labour and large household sizes combined in ways that placed limitations on their ability to service the loans. An important conclusion from the study is that understanding beneficiary' constraints and their livelihood strategies might be a very important step in future housing policy actions in Namibia. The study also highlighted concerns about the programme such as inadequate communication. Some recommendations are provided, prominent among them being the need to strengthen the training component so as to assist the beneficiaries with some of the issues, The study consists of two components: A and B. Component A comprises the study background, the problem statement, aim, objectives, literature review and methodology. Component B is presented as a research paper for publication purposes and complies with the requirements of the selected journal (Appendix six). For the purposes of the paper, relevant information from component A on the purpose of the study and methodology are incorporated in Component B.
Thesis (M.Env.Dev.)-University of KwaZulu-Natal, Pietermaritzburg, 2005.

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Books on the topic "Mortgage loan servicing"

1

Education, Institute of Financial, ed. Mortgage loan servicing. 6th ed. Chicago, Ill: Institute of Financial Education, 1989.

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2

Association, Federal National Mortgage, ed. Servicing. [Washington, D.C.]: FannieMae, 1990.

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Association, Federal National Mortgage. General servicing fundamentals. Washington, DC: FannieMae, 2004.

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Siegel, Dale Robyn. The new rules for mortgages. New York: Alpha Books, 2009.

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Siegel, Dale Robyn. The new rules for mortgages. New York: Alpha Books, 2009.

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6

Association, Federal National Mortgage, ed. Delegated underwriting and servicing guide. [Washington, D.C.]: The Association, 1992.

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7

Lewis, Kathy. Dictionary of underwriting guidelines. Marietta, GA (2000 Powers Ferry Rd., Suite 2-3, Marietta 30067): Capstone Institute of Mortgage Finance, 1999.

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8

Corporation, SMR Research. Correspondent mortgage lenders: Loan buyers & sellers--matched, top 500 sellers, top 100 buyers, buyer & seller loan volumes, directory of companies. Hackettstown, N.J: SMR Research Corp., 2003.

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Institute, Pennsylvania Bar. Mortgage modification program. Mechanicsburg, Pennsylvania: Pennsylvania Bar Institute, 2013.

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10

Benchetrit, Gilat. Halṿaʼot mashkanta be-Yiśraʼel: Keshalim be-firʻonam : memade ha-tofaʻah ṿe-gormeha, hamlatsot le-shinuyim. Ḥefah: ha-Merkaz le-ḥeḳer ha-ʻir ṿeha-ezor, ha-Faḳulṭah le-arkhiṭeḳṭurah u-vinui ʻarim, ha-Ṭekhniyon, 2008.

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