Remember, not all math puns are terrible.just sum. Analyzing residential servicing is a combination of math and psychology. If you were an institution thinking of buying mortgage servicing rights (MSR), or a lender running the numbers on retaining servicing rather than selling it to an aggregator like AmeriHome or Penny Mac, you don’t like hearing the saying, “Marry the house, date the rate.” You’d prefer that the loan stay “on your books” well into the future because you want the monthly cash flow. In 2020 and 2021 origination income was dominant. But in 2022 servicing income won the day for those who owned it. What will happen to servicing in 2023? No one has a crystal ball, but if rates stay in the 5’s or 6’s, loans funded in 2020 and 2021 still stick. Prepayments have plummeted: no one wants to pay off their 2.875 percent loan. Of course, there are numerous parties slicing and dicing the numbers. For example, Black Knight
Cultural events, performances and competitions marked the Day 2 of the three-day Rose Festival at Rose Garden, Sector 16, here today. Punjabi and Bengali musical shows enthralled the audience.
After muted celebrations over the past two years owing to the Covid pandemic, hundreds of visitors thronged the Rose Garden as the 51st Rose Festival kicked off amid pomp and show here today.
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