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Mortgages

Empirical monitoring of mortgage-backed securities, conforming loan limits, amortization tables, and refinancing breaks.

Monitored Entities & Industry Scope

Fannie Mae Freddie Mac Rocket Mortgage Wells Fargo PennyMac

Published Editorial Briefs

5 articles

mortgage 7 min read

DSCR Non-QM Mortgages: Debt Service Coverage Ratio Calculation & Real Estate Investor Loan Limits

A lending guide to non-QM residential investor mortgages, Debt Service Coverage Ratio (DSCR) underwriting formulas, and interest-only options.

dscr-rental-property-mortga… Read Brief

mortgage 8 min read

CMBS Conduit Loans: Defeasance Portfolio Optimization vs. Yield Maintenance Penalty Calculation

A commercial mortgage guide to CMBS prepayment penalties, Treasury security defeasance portfolios, and yield maintenance premium equations.

cmbs-conduit-loans-defeasan… Read Brief

mortgage 8 min read

Agency Multifamily Loans: Fannie Mae DUS Underwriting Tiers, Amortization & Supplemental Financing

Underwriting criteria for Fannie Mae Delegated Underwriting and Servicing (DUS) multifamily loans, Tier 2/Tier 3 requirements, and non-recourse carveouts.

fannie-mae-dush-multifamily… Read Brief

mortgage 7 min read

Hard Money Bridge Lending: Loan-to-Cost (LTC) vs. Loan-to-After-Repair-Value (LTARV) Sizing

A bridge lending underwriting analysis comparing Loan-to-Cost (LTC) ceilings, 70% LTARV limits, extension fees, and default rate triggers.

hard-money-bridge-loans-loa… Read Brief

mortgage 9 min read

Mortgage Warehouse Facilities: Advance Rates, Haircut Spreads, Gestation Periods & Repurchase Lines

Technical mechanics of non-bank mortgage warehouse lending, repurchase agreements, haircut margin calls, and secondary agency take-out timelines.

commercial-mortgage-warehou… Read Brief

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