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powerforward


Total Posts: 4
Joined: Dec 2015
 
Posted: 2016-05-16 02:42
As a college student with a die hard interest in fixed income, I wish to learn a bit more on how the MBS market will change.
I know that mortgages and mortgage securities won't go away, but due to factors such as:

1) Fed & QE dominating the agency market
2) Rise of new lenders entering the market
3) Possibly Fannie and Freddie Moving out of Government Control
4) Demographical changes aka debt ridden young people with poor credit living with parents, unable to take out a mortgage till later on.
5) Technology speeding up applications and enabling the sharing economy

Furthermore, do you think MBS can be electronically traded? ex:quant firms trading TBA's?

Given those considerations, what will the market and it’s structure look like in the future?


ethanFX
Banned

Total Posts: 3
Joined: Oct 2017
 
Posted: 2019-06-19 09:35
Nowadays I would just recommend you to check some mortgage reviews online since that's the best way to find the best option on the Internet; it can save you a lot of time and money.
You can get what I'm talking about checking the commentaries here: cityworth mortgage reviews - you can see real people experiences and decide for yourself whether it is worth it or not.

baghead


Total Posts: 868
Joined: Sep 2004
 
Posted: 2019-06-19 12:43
We started a tech-enabled commercial mortgage broking business in 2017 with the view that the vertical integration of distribution and balance sheet (read- BOA's takeover of countrywide etc) still makes sense. Traditional mortgage banks are very slow in their adaptation of new tech and there is a lot of efficiency gains to be captured in streamlining the commercial mortgage process from origination to securitisation.

Still early days.

tbretagn


Total Posts: 281
Joined: Oct 2004
 
Posted: 2019-06-19 13:49
Quite interesting. Are you using blockchain? I'm not a proponent of that but in the case of Mortgages/MBS I could actually see a use.
Not anywhere near that market so just curious.

Et meme si ce n'est pas vrai, il faut croire en l'histoire ancienne

baghead


Total Posts: 868
Joined: Sep 2004
 
Posted: 2019-06-19 14:07
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