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the free encyclopedia Mortgage-backed security From.
Payments are typically made monthly over the lifetime of the underlying loans.
Because curtailment and prepayment affect the remaining loan principal.
the monthly cash flow of a MBS is not known in advance.
and therefore presents an additional risk to MBS investors.
Contents 1 Reasons for issuing mortgage-backed securities
Finding the theoretical fair value 2.
The link between interest rates and loan prepayment speed
There are many reasons for mortgage originators to finance their activities by issuing mortgage-backed securities.
Mortgage-backed securities transform relatively illiquid.
individual financial assets into liquid and tradeable capital market instruments.
allow mortgage originators to replenish their funds.
which can then be used for additional origination activities.
allow issuers to diversify their financing sources.
by offering alternatives to more traditional forms of debt and equity financing.
allow issuers to remove assets from their balance sheet.
which can help to improve various financial ratios.
utilize capital more efficiently and achieve compliance with risk-based capital standards.
Pricing a vanilla corporate bond is based on two sources of uncertainty.
The number of homeowners in residential MBS securitizations who prepay goes up when interest rates go down.
One reason for this phenomenon is that homeowners can refinance at a lower fixed interest rate.
Commercial MBS often mitigate this risk using call protection.
solving mathematical models of MBS value is a difficult problem in finance.
The level of difficulty rises with the complexity of the IR model.
and the sophistication of the prepayment IR dependence.
to the point that no closed form solution exists.
In models of this type numerical methods provide approximate theoretical prices.
These are also required in most models which specify the credit risk as a stochastic function with an IR correlation.
Practitioners typically use Monte Carlo method or Binomial Tree numerical solutions.
Most traders and money managers use Bloomberg and Intex to analyze MBS pools.
Intex is also used to analyze more esoteric products.
Some institutions have also developed their own proprietary software.
This is due to the actual pools not being shown - only the issuing agency.
coupon and dollar amount are revealed.
Another factor which influences pricing is prepayment speed.
When a mortgage refinances or the borrower prepays during the month.
the prepayment measurement increases.
This is usually measured in units of CPR or PSA.
it may be advantageous to the holder for the borrower to prepay.
if the pool was bought at a discount.
This is due to the fact that when the borrower pays back the mortgage he does so at “par.
So if the investor bought a bond at 95 cents on the dollar.
as the borrower prepays he gets the full dollar back and his yield increases.
This is unlikely to happen as holders of low-coupon MBS have very little incentive to refinance.
as is common for higher coupons then they are at risk for prepayment.
the investor loses 5 cents for every dollar that’s prepaid.
possibly significantly decreasing the yield.
This is likely to happen as holder of higher-coupon MBS have good incentive to refinance.
Loan Balance is yet a third factor in pricing.
Between 85k - 150k High Loan Balance.
presumably with a lower rate or shorter term.
Prepayment is classified as a risk for the MBS investor despite the fact that they receive the money.
To compensate investors for the prepayment risk associated with these bonds.
they trade at a spread to government bonds.
This is referred to as an Option Adjusted Spread.
which is correlated with increased turnover in the housing market
if borrowing requirements or tax laws in a country change this can change the market profoundly.
and a shifting risk aversion profile.
which can make fixed rate mortgages relatively more or less attractive.
The credit rating of MBS is fairly high because.
The mortgage originator will generally research the mortgage taker’s ability to repay.
and will try to lend only to the credit-worthy.
guarantee against homeowner default risk.
the chance of catastrophic loss is reduced.
If the property owner should default.
Although real estate prices can move below the value of the original loan.
this increases the solidity of the payment guarantees and deters borrower default.
because borrowers with improving credit ratings would opt-out of their mortgage to refinance at a lower credit risk.
but those with deteriorating credit ratings never would.
the price of any bond is essentially quoted at fair value.
Total market value of all outstanding U.
MBS at the end of the first quarter of 2006 was approximately USD 6.
according to The Bond Market Association.
This is much larger than the market value of outstanding asset-backed securities.
The MBS market overtook the market for US Treasury notes and bonds in 2000.
According to The Bond Market Association.
Any bond ultimately backed by mortgages is classified as a MBS.
To distinguish the basic MBS bond from other mortgage-backed instruments the qualifier pass-through is used.
in the same way that ‘vanilla’ designates an option with no special features.
Mortgage-backed security sub-types include.
Pass-through mortgage-backed security is the simplest MBS.
a securitization of the mortgage payments to the mortgage originators.
with each tranche sold as a separate security.
Each mortgage payment is partly used to pay down the loan’s principal and partly used to pay the interest on it.
These two components can be separated to create SMBS’s.
Varieties of underlying mortgages in the pool.
generally prime borrowers but non-conforming in some way.
no verification of income or assests.
when the size is bigger than the “conforming loan amount” as set by FannieMae.
Pfandbriefe were first created in 19th century Germany when Frankfurter Hypo began issuing mortgage covered bonds.
The market has been regulated since the creation of a law governing the securities in Germany in 1900.
This means that when a company with mortgage assets on its books issue the covered bond its balance sheet grows.
which it wouldn’t do if it issued an MBS.
although it may still guarantee the securities payments.
a European Experience and Bond Basics.
and detail the roles of the various parties.
All text is available under the terms of the GNU Free Documentation License.
is a trademark of the Wikimedia Foundation.
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