Vishaal B. Bhuyan's AARP Reverse Mortgages and Linked Securities. The Complete PDF

By Vishaal B. Bhuyan

ISBN-10: 047092151X

ISBN-13: 9780470921517

AARP electronic variations give you useful information, confirmed options, and specialist assistance.

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Additional resources for AARP Reverse Mortgages and Linked Securities. The Complete Guide to Risk, Pricing, and Regulation

Sample text

Tony) Frank, who was then CEO of Nationwide Savings and chairman of the Federal Home Loan Bank board, about creating a pilot Reverse Annuity Mortgage (RAM) program. This program was launched in Northern California and closed the first RAM loan in 1981. Tony was later my partner in creating Transamerica HomeFirst, the private reverse mortgage subsidiary of Transamerica Corporation. The RAM program expanded throughout California in 1982 under the direction of Bronwyn Belling, later the program director at AARP.

In addition to the depreciation of assets held by this group of Americans, unprecedented amounts of leverage used to finance their daily living, automobile purchases, and children’s educations, as well as to purchase primary and even secondary residences in many cases, have left a large number of older Americans on the brink of financial ruin. The Baby Boomers (born between 1946 and 1960) currently comprise 26 percent of the population of the United States or roughly 78 million people. S. history.

Transamerica HomeFirst discontinued its captive sales force HouseMoney program in 1998. Clearly, HECM and Home Keeper loans sold by large and small mortgage broker organizations that could cross-sell would be the trend in the future. In 2000, Financial Freedom merged with Unity Mortgage to become the largest reverse mortgage brokerage. It was quickly overtaken by Wells Fargo Bank and Bank of America. The appeal is that reverse mortgages offer strong fee revenue to brokerages that can leverage their branches and existing marketing programs.

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AARP Reverse Mortgages and Linked Securities. The Complete Guide to Risk, Pricing, and Regulation by Vishaal B. Bhuyan


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