[Metabosim+cpn] NUMBER ONE Success System

Tommy Lee noss1233 at gmail.com
Wed Aug 22 05:08:50 EDT 2007


Mortgage loans are generally structured as long-term loans, the periodic
payments for which are similar to an annuity and calculated according to the
time value of money formulae. The most basic arrangement would require a
fixed monthly payment over a period of ten to thirty years, depending on
local conditions. Over this period the principal component of the loan (the
original loan) would be slowly paid down through amortization. In practice,
many variants are possible and common worldwide and within each country.

Lenders provide funds against property to earn interest income, and
generally borrow these funds themselves (for example, by taking deposits or
issuing bonds). The price at which the lenders borrow money therefore
affects the cost of borrowing. Lenders may also, in many countries, sell the
mortgage loan to other parties who are interested in receiving the stream of
cash payments from the borrower, often in the form of a security (by means
of a securitization). In the United States, the largest firms securitizing
loans are Fannie Mae and Freddie Mac, which are government sponsored

Mortgage lending will also take into account the (perceived) riskiness of
the mortgage loan, that is, the likelihood that the funds will be repaid
(usually considered a function of the creditworthiness of the borrower);
that if they are not repaid, the lender will be able to foreclose and recoup
some or all of its original capital; and the financial, interest rate risk
and time delays that may be involved in certain circumstances.

More recently, mortgage loan brokers have expanded their businesses to
include a web presence. There is now even a market for standard web
templates which are used by brokers who want to quickly develop an online
component to their business.
There are no profit making benefits of any kind associated with this
activity. No benefit or return of any nature is expressed or implied and no
promises or guarantees of any such return are permitted to be made by any
participant of this activity.
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