BUYERS BUY HOUSE © Copyright NoteSchool 2013. All Rights Reserved.

Slides:



Advertisements
Similar presentations
Understanding Land Contracts
Advertisements

Funds administration, also referred to as funds control, funds disbursement, funds management, and escrow, is a method that sureties use to offset the.
Copyright © 2009 Pearson Prentice Hall. All rights reserved Facts of Financial Structure 1.Stocks are not the most important source of external financing.
Credit Derivatives.
Hire Purchase and Instalment Purchase system
LeaseOwn Homes We invest in real estate without risk or liability and create homeownership opportunities for those who don’t qualify for traditional financing.
LeaseOwn Homes We invest in real estate without risk or liability and create homeownership opportunities for those who don’t qualify for traditional financing.
INTEREST What does that mean?. What interest would anyone have in lending you money?
Financing Residential Real Estate Lesson 1: Finance and Investment.
Real Deal Ollie Hooper Director - The Vendor Finance Experts.
Chapter © 2010 South-Western, Cengage Learning Investing in Bonds Evaluating Bonds Buying and Selling Bonds 13.
REI ETUTOR No Money Down Investing. What is No Money Down Investing? REI eTutor Different Investors Have Different Meanings Meaning # 1  No cash out.
Warm – Up Housing Question Monday, October 7, 2013 While creating your budget, what was most important to you have enough money for?
Consumer Math p Definitions  Down payment – part of the price paid at the time of purchase  Financed – borrowed  Mortgage – a property loan.
Unit Home Ownership Learning Objectives: Understand the three requirements to buy a home How to calculate debt-to-income ratios Realize how home.
HAWKES LEARNING SYSTEMS math courseware specialists Copyright © 2011 Hawkes Learning Systems. All rights reserved. Hawkes Learning Systems: Prealgebra.
An Overview of Financial Markets and Institutions
Homeowners get mortgage loans from lenders in order to buy homes. This has long been the so-called American dream. As homeowners pay off their mortgages.
Investment Opportunities in Today’s Real Estate Market.
Q3: Ms. Rigsby made a $40,000 down payment on a $165,000 house and took out a 20 year mortgage (at 6% compounded monthly) on the balance. How much will.
In December of 2007, approximately 7.5 million Americans were unemployed. Today, three years later, that number stands at 14.9 million.
Note card  Gallery Walk: Please walk around the room and select a house you would like to purchase.  1: House #  2: Monthly payment for your home.
CREDIT DEFAULT SWAPS Amanda Williams. Used to shift credit exposure to a credit protection seller. Primary purpose is to hedge the credit exposure to.
Redlands Mortgages MORTGAGE TYPES. REDLANDS MORTGAGES HOME LOAN TYPES Fixed Rate Variable Rate P&I V’s Interest Only Low Doc Line Of Credit 100% Offset.
Background to 2008 Meltdown Learn from History?. Background of Great Depression American finance companies in the 1920s were merged. Banks held depositor’s.
The Stock Market. In some countries, most businesses are owned and operated by the government. But in the United States, most businesses are privately.
THE GREAT CONTRACTION : WHO CAUSED IT & HOW DID IT HAPPEN? By : Charlie Haumesser Discussants : Ashley Hucksoll & Mikael Leveille.
© 2008 Pearson Education Canada13.1 Chapter 13 Hedging with Financial Derivatives.
By Ben Youn Copyright 2014 Quantum Business House WELCOME to QUANTUM BUSINESS HOUSE.
Saving Homes, Saving Cities Solving the Mortgage Crisis Locally Processes and Cash Flows.
The subprime crisis and the credit crunch MK, Unit 14.
Loans - Mortgages. Amortization Table Just like Credit cards Month Beginning BalancePaymentInterestPrincipalEnd Balance.
Rookies and Newcomers: The Road to Success Daily Reconciliation Source Documents Type of Entity Funding Sources Balance Sheet Profit & Lost Cash Flow Statement.
Options Chapter 19 Charles P. Jones, Investments: Analysis and Management, Eleventh Edition, John Wiley & Sons 17-1.
What are REOs? REO stands for “Real Estate Owned.” Bank owned properties. Clean title and clear of any liens. Time is of the essence. Window opportunity.
Financial Derivatives Chapter 12. Chapter 12 Learning Objectives Define financial derivative Explain the function of financial derivatives Compare and.
Article: The Real Cause of the Financial Crisis. Outline What is financial leverage How financial leverage works Example how financial leverage related.
Balance sheet Business Studies.
Monetary Policy and Federal Reserve. What is Money? Money is what people use to buy things and services and what they take for selling their own things.
Chapter 10: Money and Banking Section 3
Derivatives. derive (derives, deriving, derived): to obtain sg from sg else derivative: sg derived, dependent upon another thing.
Team #4 Personal Investing Options-Buying a House Stephen Tran- Organizer Shake Babakhanyan- Techie Paige Lewis- Summarizer.
Transaction Exposure Risk due to lags in payments Hedging strategies October 27, 20151Transaction Exposure.
0 Glencoe Accounting Unit 4 Chapter 15 Copyright © by The McGraw-Hill Companies, Inc. All rights reserved. Chapter 15, Section 3 Analyzing and Recording.
McGraw-Hill/Irwin Copyright © 2006 by The McGraw-Hill Companies, Inc. All rights reserved. Chapter 1 An Introduction to Money and the Financial System.
Copyright: M. S. Humayun Financial Management Lecture 2 Addendum Some Definitions.
McGraw-Hill /Irwin Copyright © 2004 by The McGraw-Hill Companies, Inc. All rights reserved Chapter Twenty-four Managing Risk with Derivative Securities.
Chapter 24 Principles PrinciplesofCorporateFinance Tenth Edition The Many Different Kinds of Debt Slides by Matthew Will Copyright © 2010 by The McGraw-Hill.
The Stock Market Content Objectives: Students will learn about the stock market and how it effects the economy. Language Objective: Students will be able.
Aditya Birla Money Limited Copyright Aditya Birla Nuvo Limited 2008 Options 1 “Options” is essentially an  Insurance Type of a Standard Contract  Entered.
Bonds. How to Borrow?  Two traditional ways of borrowing: –Borrow from a bank (e.g., get a loan) –Interest rate is set when the contract is signed 
Trade Credit Insurance Presentation 2015 Finance Ministers’ Process (FMP) Conference on Reforming the Asia-Pacific Financial Infrastructure Panel Discussion.
Chapter 17 Financing a Business Methods of Obtaining Capital Selecting a Method of Obtaining Capital Sources of Outside Capital.
#1: What is a mortgage? Housing Bubble Review It is a loan to buy a house.
1 Press Ctrl-A ©G Dear2010 – Not to be sold/Free to use Value Shares Stage 6 - Year 11 Applied Mathematic (Preliminary General 1)
Copyright 2014 © W. Seth Hunter ConsumerMath.org L12.3 Home Loans BUYING A HOUSE A home can be a castle, a refuge from outside influences. Prepare for.
Millennials are biggest part of Labor Force. Interest Rates Loans for Houses, Cars & College.
Refinancing decisions Real Estate Finance, February XX, 2016.
1. »Are vital because a business cannot exist without cash flow »Focus on the following: –creating up-to-date, accurate financial statements –making a.
I. MORTGAGE ORIGINATION PROCESS Borrower Mortgage Originator Borrower Mortgage Originator Housing Market Housing Market Down Payment Mortgage Loan Payment.
HOME BUYING. How Much Can You Afford? Monthly payments – 28% of Gross Income Price of Home – 2-3 X Gross Income Gross Income – total income before taxes.
Chapter © 2010 South-Western, Cengage Learning Investing in Bonds Evaluating Bonds 13.
Characteristics of the US Economy & Types of Businesses.
HAS IT BEEN IMPOSSIBLE TO REFINANCE? IS YOUR PROPERTY UPSIDE DOWN? IS THERE NO EQUITY IN YOUR HOME?
Copyright © 2009 Pearson Prentice Hall. All rights reserved. Chapter 10 Derivatives: Risk Management with Speculation, Hedging, and Risk Transfer.
LeaseOwn Homes We invest in real estate without risk or liability and create homeownership opportunities for those who don’t qualify for traditional.
Include your photo, your name, your company name and a logo
Procedures for long-term financing
Interest Rates, Terms, Total Financed Amount
Financial Management Lecture 2
Presentation transcript:

BUYERS BUY HOUSE © Copyright NoteSchool All Rights Reserved.

SIGN NOTE & MAKES PAYMENTS © Copyright NoteSchool All Rights Reserved.

PAYMENTS TO THE BANK © Copyright NoteSchool All Rights Reserved.

BUYER PAYS OFF MORTGAGE © Copyright NoteSchool All Rights Reserved.

PAYMENT DEFAULT © Copyright NoteSchool All Rights Reserved. If Not paid

PAYMENT DEFAULT © Copyright NoteSchool All Rights Reserved. If Not paid

BANK BUNDLES BAD MORTGAGES © Copyright NoteSchool All Rights Reserved.

HEDGE FUNDS CREATE TAPES © Copyright NoteSchool All Rights Reserved. Mortgage Information

TAPES SENT TO INVESTORS © Copyright NoteSchool All Rights Reserved. Mortgage Information

INVESTOR DUE DILIGENCE © Copyright NoteSchool All Rights Reserved. Preliminary Pricing $$

SIGN CONTRACT WITH HEDGE FUND © Copyright NoteSchool All Rights Reserved.

SIGN CONTRACT WITH HEDGE FUND © Copyright NoteSchool All Rights Reserved.

HEDGE FUNDS CREATE TAPES © Copyright NoteSchool All Rights Reserved.

HEDGE FUNDS CREATE TAPES © Copyright NoteSchool All Rights Reserved. New note owner

MODIFICATION = CASH FLOW © Copyright NoteSchool All Rights Reserved. New note owner

4 EXIT & PROFIT STRATEGIES © Copyright NoteSchool All Rights Reserved. New note owner

4 EXIT & PROFIT STRATEGIES © Copyright NoteSchool All Rights Reserved. New note owner