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BANK OF AMERICA HISTORY
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Bank of America Corporation (NYSE: BAC), based in Charlotte, North Carolina is the largest financial
services company in the world[4], largest bank by assets,[3] second largest commercial bank by
deposits, and (previously) third largest by market capitalization in the United States.[5][6] Also, Bank of
America is the number one underwriter of global high yield debt, the third largest underwriter of
global equity and the ninth largest adviser on global mergers and acquisitions.[7]
Bank of America serves clients in more than 150 countries and has a relationship with 99 percent of
the U.S. Fortune 500 companies and 83 percent of the Fortune Global 500. The company is a component
of the Dow Jones Industrial Average and a member of the Federal Deposit Insurance Corporation
(FDIC).[8]
The Bank, once considered one of the winners and healthiest survivors of the 2007 credit crisis,
plunged in market value after its purchase of Merrill Lynch.
services company in the world[4], largest bank by assets,[3] second largest commercial bank by
deposits, and (previously) third largest by market capitalization in the United States.[5][6] Also, Bank of
America is the number one underwriter of global high yield debt, the third largest underwriter of
global equity and the ninth largest adviser on global mergers and acquisitions.[7]
Bank of America serves clients in more than 150 countries and has a relationship with 99 percent of
the U.S. Fortune 500 companies and 83 percent of the Fortune Global 500. The company is a component
of the Dow Jones Industrial Average and a member of the Federal Deposit Insurance Corporation
(FDIC).[8]
The Bank, once considered one of the winners and healthiest survivors of the 2007 credit crisis,
plunged in market value after its purchase of Merrill Lynch.
Merger of NationsBank and BankAmerica
In 1997, BankAmerica lent D. E. Shaw & Co., a large hedge fund,
$1.4bn so that the hedge fund would run various businesses for
the bank. However, D.E. Shaw suffered significant loss after the
1998 Russia bond default. BankAmerica was acquired by
NationsBank later that year in October.
The purchase of BankAmerica Corp. by the NationsBank
Corporation was the largest bank acquisition in history at that
time. While the deal was technically a purchase of BankAmerica
Corporation by NationsBank, the deal was structured as merger
with NationsBank renamed to Bank of America Corporation,
Acquisition of Countrywide Financial
On August 23, 2007 the company announced a $2 billion
repurchase agreement for Countrywide Financial. This purchase
of preferred stock was arranged to provide a return on
investment of 7.25% per annum and provided the option to
purchase common stock at a price of $18 per share.[14]
Following that initial investment, on January 11, 2008, Bank of
America announced that they would buy Countrywide Financial
for $4.1 billion.[15] This acquisition, which closed on July 1, 2008,
gave the bank a substantial market share of the mortgage
business, and access to Countrywide's expertise, technology,
and employees for servicing mortgages.[
On July 1, 2008, Bank of America Corporation completed its
purchase of Countrywide Financial Corporation. This purchase
made it the USA's leading mortgage originator and servicer,
controlling between 20 to 25 percent of the home loan market
Acquisition of Merrill Lynch
On September 15, 2008, Bank of America announced its
intentions to purchase Merrill Lynch & Co., Inc. in an all-stock
deal worth approximately $ 50 billion, about 86% of the Bank of
America stock price at close. This acquisition will make Bank of
America the largest financial services company in the world.[
In 1997, BankAmerica lent D. E. Shaw & Co., a large hedge fund,
$1.4bn so that the hedge fund would run various businesses for
the bank. However, D.E. Shaw suffered significant loss after the
1998 Russia bond default. BankAmerica was acquired by
NationsBank later that year in October.
The purchase of BankAmerica Corp. by the NationsBank
Corporation was the largest bank acquisition in history at that
time. While the deal was technically a purchase of BankAmerica
Corporation by NationsBank, the deal was structured as merger
with NationsBank renamed to Bank of America Corporation,
Acquisition of Countrywide Financial
On August 23, 2007 the company announced a $2 billion
repurchase agreement for Countrywide Financial. This purchase
of preferred stock was arranged to provide a return on
investment of 7.25% per annum and provided the option to
purchase common stock at a price of $18 per share.[14]
Following that initial investment, on January 11, 2008, Bank of
America announced that they would buy Countrywide Financial
for $4.1 billion.[15] This acquisition, which closed on July 1, 2008,
gave the bank a substantial market share of the mortgage
business, and access to Countrywide's expertise, technology,
and employees for servicing mortgages.[
On July 1, 2008, Bank of America Corporation completed its
purchase of Countrywide Financial Corporation. This purchase
made it the USA's leading mortgage originator and servicer,
controlling between 20 to 25 percent of the home loan market
Acquisition of Merrill Lynch
On September 15, 2008, Bank of America announced its
intentions to purchase Merrill Lynch & Co., Inc. in an all-stock
deal worth approximately $ 50 billion, about 86% of the Bank of
America stock price at close. This acquisition will make Bank of
America the largest financial services company in the world.[
HISTORY
Bank of Italy
The Bank of Italy was founded in San Francisco by Amadeo
Giannini in 1904, based on catering to immigrants. Amadeo
was raised by the Fava/Stanghellini family when his father
was shot while trying to collect on a $10.00 debt. When the
1906 San Francisco earthquake struck, Giannini was able to
get all of the deposits out of the bank building and away from
the fires.
In 1922, Giannini established Bank of America and Italy in Italy
by buying Banca dell'Italia Meridionale, itself only established
in 1918.
In the late 1920s, Giannini approached Orra E. Monnette,
President and founder of Bank of America, Los Angeles,
about a merger between the two entities. The Los Angeles
based bank had exhibited strong growth throughout the
1920s, due in part to its success in developing an advanced
branch banking system. The merger was completed in early
1929 and took the name Bank of America. The combined
company was headed by Giannini with Monnette serving as
co-Chair.
Bank of Italy
The Bank of Italy was founded in San Francisco by Amadeo
Giannini in 1904, based on catering to immigrants. Amadeo
was raised by the Fava/Stanghellini family when his father
was shot while trying to collect on a $10.00 debt. When the
1906 San Francisco earthquake struck, Giannini was able to
get all of the deposits out of the bank building and away from
the fires.
In 1922, Giannini established Bank of America and Italy in Italy
by buying Banca dell'Italia Meridionale, itself only established
in 1918.
In the late 1920s, Giannini approached Orra E. Monnette,
President and founder of Bank of America, Los Angeles,
about a merger between the two entities. The Los Angeles
based bank had exhibited strong growth throughout the
1920s, due in part to its success in developing an advanced
branch banking system. The merger was completed in early
1929 and took the name Bank of America. The combined
company was headed by Giannini with Monnette serving as
co-Chair.
BANK OF AMERICA CORPORATE CENTER
CHARLOTTE, NORTH CAROLINA
CHARLOTTE, NORTH CAROLINA
BANK OF AMERICA IN WASHINGTON, DC
BANK OF AMERICA PLAZA ATLANTA, GEORGIA
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THE 16 DAYS THAT SHOOCK THE US ECONOMY
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A shocking series of events that forever
changed the financial and credit markets.
With the failure of Subprime mortgages
and the reduction of Home Equity. When
banks don't lend to each other and the
credit system gets backed up,
consumers have a hard time getting a
loan to make their purchases or small
businesses can't expand and employees
are at risk of losing their jobs. What is
subprime mortgages?
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guide.
Here you have a chance to learn more
about the American credit system,
increase your knowledge in Real Estate
investment, a complete Home-buying and
Home-selling guide with a Mortgage
Loans Learning Center
Knowledge financial.com brings you the
opportunity to get the financial
knowledge you may need with methods
and strategies to make money and to
save more money perhaps to obtain the
financial freedom you deserve in time of
financial and credit crisis.
Knowledge Financial.com can help you
find ways to discover where the money is
to invest in Real Estate, in small business
we're here to help you find out which
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you can learn how to find the and ways to
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South Florida Real Estate market
Everybody, foreigners and national want
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Ways to Avoid Foreclosure & Lower the
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Here again you can find many ways to:
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REDUCE YOUR MONTHLY PAYMENT, AVOID
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Now in Florida, This time could be a
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HOW TO GET PRE-QUALIFY FOR A HOME
LOAN? PRE-APPROVAL CAN SPEED UP THE
BUYING PROCESS AND IMPROVE YOUR
CHANCE OF REACHING AN AGREEMENT ON
THE PURCHASE PRICE.
a life changing website with great ideas
of small business, with important things
to know about our economy, and
investment Practical Keys to Amassing
Investment Capital for building wealth.
THE 16 DAYS THAT SHOOCK THE US ECONOMY
IN SEPTEMBER, 2008.
A shocking series of events that forever
changed the financial and credit markets.
With the failure of Subprime mortgages
and the reduction of Home Equity. When
banks don't lend to each other and the
credit system gets backed up,
consumers have a hard time getting a
loan to make their purchases or small
businesses can't expand and employees
are at risk of losing their jobs. What is
subprime mortgages?
Home-buying guide and Home-selling
guide.
Here you have a chance to learn more
about the American credit system,
increase your knowledge in Real Estate
investment, a complete Home-buying and
Home-selling guide with a Mortgage
Loans Learning Center
Knowledge financial.com brings you the
opportunity to get the financial
knowledge you may need with methods
and strategies to make money and to
save more money perhaps to obtain the
financial freedom you deserve in time of
financial and credit crisis.
Knowledge Financial.com can help you
find ways to discover where the money is
to invest in Real Estate, in small business
we're here to help you find out which
Lenders who are willing to borrow you
money, to help you Refinance your
property at a lower rate.
Here's the occasion for you Americans
to know more about Social Security
Retirement Account. SOCIAL SECURITY; THE
ULTIMATE RETIREMENT GUIDE. HOW DOES
SOCIAL SECURITY WORK?
COMMERCIAL REAL ESTATE
Whether this is your first venture at
entrepreneurship or you are a
well-established business owner you can
still learn What are the advantages of
commercial property investment and
Rental Property
Mobile Home
For people who love Mobile Home here
you can learn how to find the and ways to
finance them.
South Florida Real Estate market
Everybody, foreigners and national want
to know what kind of opportunity the
South Florida Real Estate market offers
and also the specific Miami market.
Ways to Avoid Foreclosure & Lower the
Mortgage payments.
Here again you can find many ways to:
SAVE YOUR HOME, SAVE YOUR CREDIT,
REDUCE YOUR MONTHLY PAYMENT, AVOID
FORECLOSURE.
Now in Florida, This time could be a
particularly great time for first-time
buyers say a variety of real estate
professionals.
HOW TO GET PRE-QUALIFY FOR A HOME
LOAN? PRE-APPROVAL CAN SPEED UP THE
BUYING PROCESS AND IMPROVE YOUR
CHANCE OF REACHING AN AGREEMENT ON
THE PURCHASE PRICE.
| LISTING YOUR PROPERTY FOR SALE FAST & FOR THE TOP PRICE! ATTENTION SELLERS: LET US HELP YOU SELLING YOUR PROPERTY. WITH US: IS MORE ADVERTISEMENT, MORE EXPOSURE, MORE SHOWINGS, MORE OFFERS, AND MORE MONEY FOR YOUR PROPERTY! CALL: 786- --- SOUTH FLORIDA |
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If you’re looking to buy a nice property in a great
location in south Florida
Drastic price reductions, many options,
negotiation power with interest rate still
historically low. What’s a better time to invest in
real estate?
Real Estate remains among the best, the safest
long-term investments
Let us help you purchase a property this year; and
you will be thankful for years to come!
COMMERCIAL REAL ESTATE
Now is the Perfect Time for Investing in
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REVERSE MORTGAGE
A Reverse Mortgage is a home
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FHA might be just what you need.
Your down payment can
be as low as 3.5% of the purchase
price, and most of your
closing costs and fees can be
included in the loan.
Available on 1-4 unit properties.
--------------------------------------
REAL ESTATE FINANCING:
HOW AND WHERE TO FIND MONEY
TO BUY A PROPERTY
PRE-QUALIFICATION
MORTGAGE LOAN
PRE-QUALIFICATION, LOW INTEREST
RATES. CLICK HERE
HOME REFINANCING
RATES ARE STILL NEAR HISTORIC
LOWS
IT MAY BE A GOOD TIME NOW TO
REFINANCE!
LEARN MORE...
COMMERCIAL MORTGAGE LOANS:
COMMERCIAL MORTGAGES,
COMMERCIAL REAL ESTATE FOR
INVESTORS
Low down payments
Low closing costs
Easy credit qualifying
FHA HAS
Programs that help low and
moderate income families
become homeowners by
lowering some of the costs of
their mortgage loans
--------------------------------------
REVERSE MORTGAGE
A Reverse Mortgage is a home
loan available to individuals aged
62 or older as a payout of home
equity to the borrower. Reverse
mortgage borrowers can receive
a lump sum, monthly payments
or hold the money in a savings
account as a credit line.
Commercial Mortgage for
Commercial Real Estate Investors.
Discover How Fast, Easy And
Flexible Commercial Real Estate
Mortgage Loans Can Be.
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GOVERNMENTS GENERAL INFORMATION
CENTER: MIAMI DADE COUNTY, BROWARD
COUNTY, MONROE COUNTY, PALM BEACH
COUNTY, STATE OF FLORIDA AND THE U.S.
FEDERAL GOVERNMENT.
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INVESTMENT SECRETS REVEALED. HOW
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Ten Resolutions to Make Your Financial
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THE ULTIMATE FINANCIAL FREEDOM!
ID- THEFT: How to Protect Yourself
AGAINST IDENTITY THEFT:
You can take action to protect your identity
and your personal information.
Federal Housing Administration {FHA}
Mortgage Loan Programs Information
Center. --- Government's general
information; Local, State, and Federal.
Housing Finance Authority of Miami dade,
Monroe, Broward, and Palm Beach County
Money Management: Ten Resolutions to
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PROPERTIES ARE AVAILABLE BELOW
MARKET VALUE!
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Build better credit with guidance
CENTER: MIAMI DADE COUNTY, BROWARD
COUNTY, MONROE COUNTY, PALM BEACH
COUNTY, STATE OF FLORIDA AND THE U.S.
FEDERAL GOVERNMENT.
You name it, You get it
You need it, You find
You want it, Search for it!
FREE CREDIT REPORT
Did you know that you have three credit
reports, and these credit reports are not
necessarily the same. Obtain your free
report now!
CREDIT INFO: SAVE YOUR CREDIT, RESCUE
IT, PROTECT IT, INCREASE YOUR SCORE.
LEARN HOW TO FIX CREDIT RIGHT HERE,
RIGHT NOW !
FINANCIAL REPORT: REAL ESTATE
INVESTMENT SECRETS REVEALED. HOW
DOES OWNER FINANCING REALLY WORK?
CREDIT HELP: Do-it-Yourself Debt
Reduction. Six Smart Credit Card
Strategies. Understanding Your Debt
Collection Rights
BUILDING FINANCIAL FREEDOM
Ten Resolutions to Make Your Financial
Life Easier. EXECUTIVE METHODS AND
TECHNIQUES TO HELP YOU REALLY OBTAIN
THE ULTIMATE FINANCIAL FREEDOM!
ID- THEFT: How to Protect Yourself
AGAINST IDENTITY THEFT:
You can take action to protect your identity
and your personal information.
Federal Housing Administration {FHA}
Mortgage Loan Programs Information
Center. --- Government's general
information; Local, State, and Federal.
Housing Finance Authority of Miami dade,
Monroe, Broward, and Palm Beach County
Money Management: Ten Resolutions to
Make Your Financial Life Easier. 10 Ways to
Avoid Overdraft and Bounced Check Fees
Credit cards: Have a questions about
credit cards? We have answers the top
ten most frequently asked credit card
questions. Six Smart Credit Card
Strategies. The Top 10 Credit Mistakes to
avoid!
FREE FINANCIAL ADVICE. WAYS TO SAVE
MONEY, TO MAKE MONEY, AND GET OUT OF
DEBT. THE SECRETS OF GETTING AHEAD TO
BUILD WEALTH
How to take steps to respond to and
recover from identity theft as soon as you
suspect it?
How to understand a mortgage statement?
GOVERNMENT HOMES AND FORECLOSURE
PROPERTIES ARE AVAILABLE BELOW
MARKET VALUE!
SAVING: THE SECRETS OF SAVING; WAYS TO
SAVE A LOT OF MONEY AND GETTING
RICHER. 66 WAYS TO SAVE MONEY
HOW NOT TO PAY ANY FEES AND INTERESTS
ON YOUR CREDIT CARDS? FREE RIDE. Credit
Card Fraud: 21 Tips to Protect Yourself!
Although credit card fraud is certainly on
the rise -- and credit card fraud on the
Internet is rising even more dramatically.
Although credit card fraud is certainly on
the rise -- and credit card fraud on the
Internet is rising even more dramatically
Protection: How to protect yourself
against identity theft?
Billions of dollars have been lost. Could
some of it be yours? UNCLAIMED
MONEY, UNCLAIMED PROPERTY, THE
FORGOTTEN TREASURE SEATING IN THE
HANDS OF THE STATES GOVERNMENT
COULD BE YOURS OR TO SOMEONE YOU
MAY KNOW!
Basic Finance: Learn the basics of
personal finance at the U.S.
government's
My Money
Study basic finance at your own
pace with free, Web-based
lessons from the Fed Money
Smart program.
Build better credit with guidance
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Search for properties in any city; Right
Here, Right Now. Fast, Easy and Simple.
CLICK HERE!
Motivated Sellers; Selling at
Unbelievable Prices. Learn More...
Live Your Dream
Search it, Find it, Learn about it,
Negotiate it, Buy it.
-------------------------------------------------------------------------------------------------
Coral Gables, Coconut Grove Real
Estate For Sale. Magnificent properties!
Search Now...
Pembroke Pines Florida Real Estate:
Find a property in Pembroke Pines area
Miramar Florida Real Estate:
Search for a home in the city of Miramar
Miami Lakes Florida Real Estate:
Look for luxury, prestigious properties
in the town of Miami Lakes
Aventura Florida, Williams Island
Condos For Sale at Reduced Price.
Search for luxury waterfront properties
with considerable price reduction
Broward County Florida Real Estate
Listing & Homes For Sale at
umbelievable price!
Hallandale Beach Florida Real Estate
For Sale.
Find for sale properties in the city of
Hallandale; Houses, Town-Homes,
Condos, Waterfront Properties.
Palm Beach County magnificent real
estate. Homes, Condos, Town-homes at
reduced price!
WHAT IS THE ADVANTAGE OF
COMMERCIAL REAL ESTATE?
COMMERCIAL REAL ESTATE; A BETTER
WAY TO INVEST AND GET RICHER!
MULTI-WAYS TO WIN BIG IN REAL
ESTATE.
MIAMI REAL ESTATE MARKET.
The Time is Now to Profit from Real
Estate investing--
A “Perfect Storm” of events has made
investing in Real Estate properties
better than ever - and now’s the time for
you to profit...
South Florida Real Estate great location
Low Prices, Below Market Value, Low
Interest rates
LIVE YOUR DREAM
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Bank of America Offers To Homeowners -- READ BELOW
Bank of America Offers Principal Reductions to
200,000 Homeowners
A select group of struggling mortgage borrowers are about to get an
offer that sounds too good to be true. Executives at Bank of America
say they will begin mailing 200,000 letters offering certain customers
mortgage principal reduction.
“If people get these things and toss them, they won’t be eligible,”
says Ron Sturzenegger, the Bank of America executive charged with
providing solutions to borrowers in need of mortgage assistance.
But the offer is real, and eligible borrowers could get as much as
$150,000 knocked off the balance of their mortgages. It is all part of
the $25 billion settlement reached this year between federal and
state agencies and the nation’s five largest mortgage servicers
over fraudulent foreclosure document processing (so-called “robo-
signing”). FINANCIALACADEMYSCHOOL.COM,
Bank of America (BAC), in a deal with state attorneys general and the
U.S. Department of Justice, committed $11 billion to mortgage
principal reduction, but executives say they will go beyond that if
enough borrowers respond to their offer.
Five thousand borrowers have already received a collective $700
million in principal reduction through a pilot program for those
already in a modification negotiation. The 200,000 borrowers being
targeted now may have already exhausted modification options or
may have yet to contact the lender.
Executives say borrowers receiving the letters are eligible, but they
still have to prove they qualify. In order to be eligible, a borrower
must be 60 days late on the mortgage payment as of Jan. 31, 2012.
The borrower has to owe more on the mortgage than the home is
currently worth, commonly known as being “underwater” on the
mortgage, and the borrower’s loan must either be owned by Bank of
America or serviced by Bank of America for an investor who is
allowing the modifications. FINANCIALACADEMYSCHOOL.COM,
200,000 Homeowners
A select group of struggling mortgage borrowers are about to get an
offer that sounds too good to be true. Executives at Bank of America
say they will begin mailing 200,000 letters offering certain customers
mortgage principal reduction.
“If people get these things and toss them, they won’t be eligible,”
says Ron Sturzenegger, the Bank of America executive charged with
providing solutions to borrowers in need of mortgage assistance.
But the offer is real, and eligible borrowers could get as much as
$150,000 knocked off the balance of their mortgages. It is all part of
the $25 billion settlement reached this year between federal and
state agencies and the nation’s five largest mortgage servicers
over fraudulent foreclosure document processing (so-called “robo-
signing”). FINANCIALACADEMYSCHOOL.COM,
Bank of America (BAC), in a deal with state attorneys general and the
U.S. Department of Justice, committed $11 billion to mortgage
principal reduction, but executives say they will go beyond that if
enough borrowers respond to their offer.
Five thousand borrowers have already received a collective $700
million in principal reduction through a pilot program for those
already in a modification negotiation. The 200,000 borrowers being
targeted now may have already exhausted modification options or
may have yet to contact the lender.
Executives say borrowers receiving the letters are eligible, but they
still have to prove they qualify. In order to be eligible, a borrower
must be 60 days late on the mortgage payment as of Jan. 31, 2012.
The borrower has to owe more on the mortgage than the home is
currently worth, commonly known as being “underwater” on the
mortgage, and the borrower’s loan must either be owned by Bank of
America or serviced by Bank of America for an investor who is
allowing the modifications. FINANCIALACADEMYSCHOOL.COM,
In order to qualify for the modification, the borrower must answer
the letter with full documentation of income, showing that under the
terms of the modification they can still make the monthly payment. A
borrower with no income would therefore not qualify. A borrower’s
current monthly payment must be more than 25 percent of gross
income, and the borrower must show they are unable to afford that.
“If you can afford to make your monthly payment and are choosing
not to, you will not get this principal modification,” says
Sturzenegger. FINANCIALACADEMYSCHOOL.COM,
If the borrower qualifies, Bank of America will bring the monthly
mortgage payment down to 25 percent of the borrower’s gross
income. That could mean principal forgiveness well over $100,000,
as there is no limit to the amount of the mortgage. If enough
borrowers respond, it could cost Bank of America far more than it
committed to in the settlement.
“Yes, we have the capability to go well beyond the $11 billion,” adds
Sturzenegger. FINANCIALACADEMYSCHOOL.COM,
Bank executives say that before choosing which borrowers will get
the offer, they performed a net present value test on each loan,
making sure that the principal reduction modification would net
Bank of America or the investor who owns the loan more than
foreclosing on the home. “It has to be fair to the investor as well,”
says Sturzenegger.
Not all of the 200,000 borrowers who receive the letters are
expected to respond. Executives say there is a level of fatigue
among delinquent borrowers who have already received several
notices or who may have gone through a failed modification process
already. Some borrowers simply don’t want to stay in their homes,
while others may think the offer is a scam.
“They have been contacted by a lot of other people, and this offer
may appear too good to be true,” says Sturzenegger.
That’s why Bank of America is sending the letters by certified mail
and trying to make the language as simple as possible. A sample
letter obtained by CNBC shows a bring red box in the top corner
labeled, “IMPORTANT” and simple language stating, “Qualifying
customers may reduce their monthly payment by an average of 35
percent.” FINANCIALACADEMYSCHOOL.COM,
Some 6,500 letters should be arriving in mailboxes across the
country this week, with a wave of new letters going out every week
until the end of the summer, when all 200,000 should have been
mailed. Bank of America is staggering the mailings in order to
handle the expected response.
The bank has staffed up to handle the task, with 50,000 employees
manning servicing desks, but the process will clearly take a lot of
time. That’s why Bank of America has suspended any foreclosure
actions against these 200,000 borrowers until the process is
complete. FINANCIALACADEMYSCHOOL.COM,
the letter with full documentation of income, showing that under the
terms of the modification they can still make the monthly payment. A
borrower with no income would therefore not qualify. A borrower’s
current monthly payment must be more than 25 percent of gross
income, and the borrower must show they are unable to afford that.
“If you can afford to make your monthly payment and are choosing
not to, you will not get this principal modification,” says
Sturzenegger. FINANCIALACADEMYSCHOOL.COM,
If the borrower qualifies, Bank of America will bring the monthly
mortgage payment down to 25 percent of the borrower’s gross
income. That could mean principal forgiveness well over $100,000,
as there is no limit to the amount of the mortgage. If enough
borrowers respond, it could cost Bank of America far more than it
committed to in the settlement.
“Yes, we have the capability to go well beyond the $11 billion,” adds
Sturzenegger. FINANCIALACADEMYSCHOOL.COM,
Bank executives say that before choosing which borrowers will get
the offer, they performed a net present value test on each loan,
making sure that the principal reduction modification would net
Bank of America or the investor who owns the loan more than
foreclosing on the home. “It has to be fair to the investor as well,”
says Sturzenegger.
Not all of the 200,000 borrowers who receive the letters are
expected to respond. Executives say there is a level of fatigue
among delinquent borrowers who have already received several
notices or who may have gone through a failed modification process
already. Some borrowers simply don’t want to stay in their homes,
while others may think the offer is a scam.
“They have been contacted by a lot of other people, and this offer
may appear too good to be true,” says Sturzenegger.
That’s why Bank of America is sending the letters by certified mail
and trying to make the language as simple as possible. A sample
letter obtained by CNBC shows a bring red box in the top corner
labeled, “IMPORTANT” and simple language stating, “Qualifying
customers may reduce their monthly payment by an average of 35
percent.” FINANCIALACADEMYSCHOOL.COM,
Some 6,500 letters should be arriving in mailboxes across the
country this week, with a wave of new letters going out every week
until the end of the summer, when all 200,000 should have been
mailed. Bank of America is staggering the mailings in order to
handle the expected response.
The bank has staffed up to handle the task, with 50,000 employees
manning servicing desks, but the process will clearly take a lot of
time. That’s why Bank of America has suspended any foreclosure
actions against these 200,000 borrowers until the process is
complete. FINANCIALACADEMYSCHOOL.COM,
There are currently 5.59 million U.S. loans that are either
delinquent or in the foreclosure process, according to Lender
Processing Services. FINANCIALACADEMYSCHOOL.COM,
Bank of America services one million of those loans, but many
of them are owned by Fannie Mae and Freddie Mac.
Their regulator, Edward DeMarco of the Federal Housing
Finance Agency, has yet to agree to principal reduction in loan
modifications, despite harsh criticism from some lawmakers on
Capitol Hill and increasing pressure from the White House.
FINANCIALACADEMYSCHOOL.COM,
delinquent or in the foreclosure process, according to Lender
Processing Services. FINANCIALACADEMYSCHOOL.COM,
Bank of America services one million of those loans, but many
of them are owned by Fannie Mae and Freddie Mac.
Their regulator, Edward DeMarco of the Federal Housing
Finance Agency, has yet to agree to principal reduction in loan
modifications, despite harsh criticism from some lawmakers on
Capitol Hill and increasing pressure from the White House.
FINANCIALACADEMYSCHOOL.COM,
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Collateralized debt obligation
A collateralized debt obligation (CDO) is a type of structured asset-backed security
(ABS).[1] Originally developed for the corporate debt markets, over time CDOs
evolved to encompass the mortgage and mortgage-backed security ("MBS")
markets.
Like other private label securities backed by assets, a CDO can be thought of as a
promise to pay investors in a prescribed sequence, based on the cash flow the
CDO collects from the pool of bonds or other assets it owns. The CDO is "sliced"
into "tranches", which "catch" the cash flow of interest and principal payments in
sequence based on seniority.
If some loans default and the cash collected by the CDO is insufficient to pay all of
its investors, those in the lowest, most "junior" tranches suffer losses first. The
last to lose payment from default are the safest, most senior tranches.
A collateralized debt obligation (CDO) is a type of structured asset-backed security
(ABS).[1] Originally developed for the corporate debt markets, over time CDOs
evolved to encompass the mortgage and mortgage-backed security ("MBS")
markets.
Like other private label securities backed by assets, a CDO can be thought of as a
promise to pay investors in a prescribed sequence, based on the cash flow the
CDO collects from the pool of bonds or other assets it owns. The CDO is "sliced"
into "tranches", which "catch" the cash flow of interest and principal payments in
sequence based on seniority.
If some loans default and the cash collected by the CDO is insufficient to pay all of
its investors, those in the lowest, most "junior" tranches suffer losses first. The
last to lose payment from default are the safest, most senior tranches.
Synthetic CDO..
What is a 'Synthetic CDO'
A synthetic CDO is a form of collateralized debt obligation (CDO) that invests in
credit default swaps (CDSs) or other noncash assets to gain exposure to a
portfolio of fixed income assets. Synthetic CDOs are typically divided into credit
tranches based on the level of credit risk assumed. Initial investments into the
CDO are made by the lower tranches, while the senior tranches may not have to
make an initial investment.
'Synthetic CDO'
In a synthetic CDO, all tranches will receive periodic payments based on the cash
flows from the credit default swaps. Normally, the payoffs of synthetic CDOs are
only affected by credit events associated with CDSs. If a credit event occurs in the
fixed income portfolio, the synthetic CDO and its investors become responsible for
the losses, starting from the lowest rated tranches and working its way up.
Synthetic CDOs are a modern advance in structured finance that can offer
extremely high yields to investors. However, investors can be on the hook for
much more than their initial investments if several credit events occur in the
reference portfolio.
Tranches
Tranches are also known as slices of credit risk between risk levels. Normally, the
tranches primarily used in CDOs are typically known as senior, mezzanine and
equity. The senior tranche includes securities with high credit ratings and tends to
be low risk and therefore have lower returns. Conversely, an equity-level tranche
carries a higher degree of risk and holds derivatives with lower credit ratings.
--------------
History of Synthetic CDOs
Synthetic CDOs were first created in the late 1990s as a way for large holders of
commercial loans to protect their balance sheets without actually selling the loans
and potentially harming client relationships.
They have become increasingly popular because they tend to have shorter life
spans than cash flow CDOs, and there is no extended ramp-up period for earnings
investment. Synthetic CDOs are also highly customizable between the underwriter
and investors.
What is a 'Synthetic CDO'
A synthetic CDO is a form of collateralized debt obligation (CDO) that invests in
credit default swaps (CDSs) or other noncash assets to gain exposure to a
portfolio of fixed income assets. Synthetic CDOs are typically divided into credit
tranches based on the level of credit risk assumed. Initial investments into the
CDO are made by the lower tranches, while the senior tranches may not have to
make an initial investment.
'Synthetic CDO'
In a synthetic CDO, all tranches will receive periodic payments based on the cash
flows from the credit default swaps. Normally, the payoffs of synthetic CDOs are
only affected by credit events associated with CDSs. If a credit event occurs in the
fixed income portfolio, the synthetic CDO and its investors become responsible for
the losses, starting from the lowest rated tranches and working its way up.
Synthetic CDOs are a modern advance in structured finance that can offer
extremely high yields to investors. However, investors can be on the hook for
much more than their initial investments if several credit events occur in the
reference portfolio.
Tranches
Tranches are also known as slices of credit risk between risk levels. Normally, the
tranches primarily used in CDOs are typically known as senior, mezzanine and
equity. The senior tranche includes securities with high credit ratings and tends to
be low risk and therefore have lower returns. Conversely, an equity-level tranche
carries a higher degree of risk and holds derivatives with lower credit ratings.
--------------
History of Synthetic CDOs
Synthetic CDOs were first created in the late 1990s as a way for large holders of
commercial loans to protect their balance sheets without actually selling the loans
and potentially harming client relationships.
They have become increasingly popular because they tend to have shorter life
spans than cash flow CDOs, and there is no extended ramp-up period for earnings
investment. Synthetic CDOs are also highly customizable between the underwriter
and investors.
Mortgage-backed security
A mortgage-backed security (MBS) is a type of asset-backed security that is secured
by a mortgage or collection of mortgages. The mortgages are sold to a group of
individuals (a government agency or investment bank) that securitizes, or packages,
the loans together into a security that investors can buy..
-----------------
The mortgages of an MBS may be residential or commercial, depending on whether it
is an Agency MBS or a Non-Agency MBS; in the United States they may be issued by
structures set up by government-sponsored enterprises like Fannie Mae or Freddie
Mac, or they can be "private-label", issued by structures set up by investment banks.
The structure of the MBS may be known as "pass-through", where the interest and
principal payments from the borrower or homebuyer pass through it to the MBS
holder, or it may be more complex, made up of a pool of other MBSs..
------------------
The basics are:
1.Mortgage loans (mortgage notes) are purchased
from banks and other lenders, and possibly assigned to a special purpose vehicle
(SPV).
2.The purchaser or assignee assembles these loans into collections, or "pools".
3.The purchaser or assignee securitizes the pools by issuing mortgage-backed
securities.
While a residential mortgage-backed security (RMBS) is secured by single-family or
two- to four-family real estate, a commercial mortgage-backed security (CMBS) is
secured by commercial and multi-family properties, such as apartment buildings,
retail or office properties, hotels, schools, industrial properties, and other
commercial sites. A CMBS is usually structured as a different type of security than an
RMBS.
These securitization trusts may be structured by government-sponsored enterprises
as well as by private entities that may offer credit enhancement features to mitigate
the risk of prepayment and default associated with these mortgages.
Since residential mortgage holders in the United States have the option to pay more
than the required monthly payment (curtailment) or to pay off the loan in its entirety
(prepayment), the monthly cash flow of an MBS is not known in advance, and an MBS
therefore presents a risk to investors.
In the United States, the most common securitization trusts are sponsored by Fannie
Mae and Freddie Mac, US government-sponsored enterprises. Ginnie Mae, a US
government-sponsored enterprise backed by the full faith and credit of the US
government, guarantees that its investors receive timely payments but buys limited
numbers of mortgage notes. Some private institutions also securitize mortgages,
known as "private-label" mortgage securities
A mortgage-backed security (MBS) is a type of asset-backed security that is secured
by a mortgage or collection of mortgages. The mortgages are sold to a group of
individuals (a government agency or investment bank) that securitizes, or packages,
the loans together into a security that investors can buy..
-----------------
The mortgages of an MBS may be residential or commercial, depending on whether it
is an Agency MBS or a Non-Agency MBS; in the United States they may be issued by
structures set up by government-sponsored enterprises like Fannie Mae or Freddie
Mac, or they can be "private-label", issued by structures set up by investment banks.
The structure of the MBS may be known as "pass-through", where the interest and
principal payments from the borrower or homebuyer pass through it to the MBS
holder, or it may be more complex, made up of a pool of other MBSs..
------------------
The basics are:
1.Mortgage loans (mortgage notes) are purchased
from banks and other lenders, and possibly assigned to a special purpose vehicle
(SPV).
2.The purchaser or assignee assembles these loans into collections, or "pools".
3.The purchaser or assignee securitizes the pools by issuing mortgage-backed
securities.
While a residential mortgage-backed security (RMBS) is secured by single-family or
two- to four-family real estate, a commercial mortgage-backed security (CMBS) is
secured by commercial and multi-family properties, such as apartment buildings,
retail or office properties, hotels, schools, industrial properties, and other
commercial sites. A CMBS is usually structured as a different type of security than an
RMBS.
These securitization trusts may be structured by government-sponsored enterprises
as well as by private entities that may offer credit enhancement features to mitigate
the risk of prepayment and default associated with these mortgages.
Since residential mortgage holders in the United States have the option to pay more
than the required monthly payment (curtailment) or to pay off the loan in its entirety
(prepayment), the monthly cash flow of an MBS is not known in advance, and an MBS
therefore presents a risk to investors.
In the United States, the most common securitization trusts are sponsored by Fannie
Mae and Freddie Mac, US government-sponsored enterprises. Ginnie Mae, a US
government-sponsored enterprise backed by the full faith and credit of the US
government, guarantees that its investors receive timely payments but buys limited
numbers of mortgage notes. Some private institutions also securitize mortgages,
known as "private-label" mortgage securities
A residential mortgage-backed security
(RMBS) is a pass-through MBS backed by mortgages on residential
property.
A commercial mortgage-backed security (CMBS) is a pass-through MBS backed
by mortgages on commercial property.
A collateralized mortgage obligation, or
"pay-through bond", is a debt obligation of a legal entity that is
collateralized by the assets it owns.
Pay-through bonds are typically divided into classes that have different
maturities and different priorities for the receipt of principal and in some cases of
interest
--------------
These types are not limited to Mortgage
Backed Securities. Bonds backed by
mortgages but that are not MBSs can also
have these subtypes.
There are two types of classifications
based on the issuer of the security:
Agency, or government, issued securities by government-sponsored enterprise
issuers, such as Fannie Mae, Freddie Mac, and Ginnie Mae. Fannie Mae and
Freddie Mac sell short term (3–6 month) bills at auction on a weekly schedule,[34]
and longer-term (1–10 year) notes at monthly auctions.
The underlying mortgages for Agency MBS are one to four-single family
residential mortgages only.
(RMBS) is a pass-through MBS backed by mortgages on residential
property.
A commercial mortgage-backed security (CMBS) is a pass-through MBS backed
by mortgages on commercial property.
A collateralized mortgage obligation, or
"pay-through bond", is a debt obligation of a legal entity that is
collateralized by the assets it owns.
Pay-through bonds are typically divided into classes that have different
maturities and different priorities for the receipt of principal and in some cases of
interest
--------------
These types are not limited to Mortgage
Backed Securities. Bonds backed by
mortgages but that are not MBSs can also
have these subtypes.
There are two types of classifications
based on the issuer of the security:
Agency, or government, issued securities by government-sponsored enterprise
issuers, such as Fannie Mae, Freddie Mac, and Ginnie Mae. Fannie Mae and
Freddie Mac sell short term (3–6 month) bills at auction on a weekly schedule,[34]
and longer-term (1–10 year) notes at monthly auctions.
The underlying mortgages for Agency MBS are one to four-single family
residential mortgages only.
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