Mortgages Are About Math: Open-Source Loan-Level Analysis of Fannie and Freddie

Amortization. As an example, at today’s mortgage rates, in the first year of a loan, a 15-year mortgage payment is comprised of 38% interest and 62% principal. A 30-year mortgage is 72% interest and 28% principal. The 30-year loan payment will not be meet the 38/62 ratio until its 18th year.

Mortgages Are About math: open-source loan-level analysis of Fannie and Freddie Fannie Mae Second Home Guidelines On Vacation Home Purchases – Fannie Mae Second Home Guidelines require that the mortgage loan borrower put 10% down payment on second home purchase versus 20% on investment homes. Mortgages Are About Math: Open-Source Loan-Level.

Loan-level analysis of Fannie Mae and Freddie Mac data – toddwschneider/agency-loan-level

I was asked to do an analysis of Fannie and Freddie during a job interview in 2001. A 3 page report of 2 institutions I’d never heard of before, with a stack a papers around 3 feet high consisting of a variety of financial statements, promotional material, and news clippings, to be completed in pen within 3 hours.

The money was made, therefore, with ever more refined tools of analysis. -Michael Lewis, Liar’s Poker (1989) Fannie Mae and Freddie Mac began reporting loan-level credit performance data in 2013 at the direction of their regulator, the Federal Housing Finance Agency.

c) For our computations, we turn to an analysis of about $4.5 trillion of mortgage pools, including almost all Fannie Mae, Freddie Mac, FHA and VA 12 Our calculations suggest that the GSEs would break even on their losses from their retained mortgage portfolio if they were to have an additional spread of only 15 basis points, so a total GSE

[edit]Conforming loans Fannie Mae and Freddie Mac have a limit on the maximum sized loan they will guarantee. This is known as the “conforming loan limit.” The conforming loan limit for Fannie Mae, along with Freddie Mac, is set by Office of Federal Housing Enterprise Oversight (OFHEO), the regulator of.

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The first part is to estimate credit losses for all loans sold by a BHC that have outstanding representations and warranties liability, including loans sold as whole loans, into private-label securities (pls) or to a GSE (Fannie Mae and Freddie Mac) or loans insured by the government.