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Tag Archives: mortgage experience adjustment factor

Proposed Rules Could Change Penalty Box for Life Company Lenders

Posted in Articles, Good Times for Lenders, MEAF

As commercial real estate lenders, life insurance companies have a unique approach on dealing with potential losses or loan loss reserves in their mortgage loans holdings.  Unlike bank mortgage lenders, who apply their risk based capital requirements on a loan level basis, life insurance companies use an approach that applies at the portfolio level (called… Continue Reading

Early Pay-off of a Commercial Mortgage Loan? Shhhh – here’s “why” it makes sense

Posted in Tough Times for Lenders, Workout Issues

Acceptance by commercial real estate lenders of a partial payment in full satisfaction of the loan (as a “discounted payoff” – a “DPO”), prior to the maturity of the loan, is a topic that receives little “public” attention. Here are a few reasons why we hear so little about this topic, and the challenges in… Continue Reading

The CREF-C June ’10 Convention: A Short Summary With Comments

Posted in Good Times for Lenders, Market Trends, Tough Times for Lenders

(This is my last blog covering the CREF-C June Convention) Below is a very random collection of information (and comments) as “take aways” from my attendance at this convention earlier this week. You’ll note that I really don’t jump into the CMBS 2.0 panels, nor into the special servicing panels. Why? Most of the content from those… Continue Reading

No Credit Crisis Relief From Life Insurance Companies: 2010 Allocations For Commerical Mortgage Loans Actually May Be Smaller Than Announced

Posted in Good Times for Lenders, Market Trends

Some people point to this as a positive point on the credit crisis trend line: Life company commitment to commercial mortgage lending remains strong Generally, life companies generally have NOT decreased their commercial mortgage origination allocations for 2010 (when compared to 2009) Question: is it correct to say that, at least for commercial mortgage credit… Continue Reading

Into the Looking Glass: MBA Servicing & Technology Conference – day two

Posted in Good Times for Lenders, Market Trends, Single Purpose Entity, Tough Times for Lenders, Workout Issues

Yesterday (Thursday) was the second, and my last, day of the conference.  As I did with the first day of the conference, I summarize some of the sessions.  So, here’s the executive summary: From a session on bankruptcy issues: as reported by the Commercial Mortgage Securities Ass’n in its press release, the bankruptcy court in the General… Continue Reading