AU2001263302A1 - System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with mortgage loan - Google Patents

System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with mortgage loan

Info

Publication number
AU2001263302A1
AU2001263302A1 AU2001263302A AU6330201A AU2001263302A1 AU 2001263302 A1 AU2001263302 A1 AU 2001263302A1 AU 2001263302 A AU2001263302 A AU 2001263302A AU 6330201 A AU6330201 A AU 6330201A AU 2001263302 A1 AU2001263302 A1 AU 2001263302A1
Authority
AU
Australia
Prior art keywords
mortgage
reducing
interest rate
insurance premiums
loan
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
AU2001263302A
Inventor
Andrew W. May
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
American International Group Inc
Original Assignee
American International Group Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by American International Group Inc filed Critical American International Group Inc
Publication of AU2001263302A1 publication Critical patent/AU2001263302A1/en
Abandoned legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
AU2001263302A 2000-11-16 2001-05-18 System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with mortgage loan Abandoned AU2001263302A1 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US24942200P 2000-11-16 2000-11-16
US60249422 2000-11-16
PCT/US2001/016237 WO2002041215A1 (en) 2000-11-16 2001-05-18 System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with a mortgage loan

Publications (1)

Publication Number Publication Date
AU2001263302A1 true AU2001263302A1 (en) 2002-05-27

Family

ID=22943419

Family Applications (1)

Application Number Title Priority Date Filing Date
AU2001263302A Abandoned AU2001263302A1 (en) 2000-11-16 2001-05-18 System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with mortgage loan

Country Status (3)

Country Link
US (1) US6671677B2 (en)
AU (1) AU2001263302A1 (en)
WO (1) WO2002041215A1 (en)

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US8024248B2 (en) 2001-06-08 2011-09-20 Genworth Financial, Inc. System and method for imbedding a defined benefit in a defined contribution plan
US8433634B1 (en) 2001-06-08 2013-04-30 Genworth Financial, Inc. Systems and methods for providing a benefit product with periodic guaranteed income
US8781929B2 (en) 2001-06-08 2014-07-15 Genworth Holdings, Inc. System and method for guaranteeing minimum periodic retirement income payments using an adjustment account
US8370242B2 (en) 2001-06-08 2013-02-05 Genworth Financial, Inc. Systems and methods for providing a benefit product with periodic guaranteed minimum income
US7783562B1 (en) * 2001-11-21 2010-08-24 Clayton Fixed Income Services Inc. Credit risk managing loan pools
US8015091B1 (en) * 2001-11-21 2011-09-06 Clayton Fixed Income Services, Inc. Analyzing investment data
US8285626B2 (en) * 2002-04-24 2012-10-09 Tykhe, Llc Securitization of sales participation certificates
US8442897B2 (en) * 2002-04-24 2013-05-14 Tykhe, Llc Securitization of sales participation certificates
US20040019508A1 (en) * 2002-07-29 2004-01-29 Howard Yaruss System for providing information related to insurance on a loan for real property
US7996313B1 (en) * 2003-03-03 2011-08-09 Federal Home Loan Mortgage Corporation (Freddie Mac) Method for structuring a supplemental interest mortgage
US20040243450A1 (en) * 2003-06-02 2004-12-02 Bernard Thomas James Method, system, and computer program product for real property metric monitoring
US20050055296A1 (en) * 2003-09-08 2005-03-10 Michael Hattersley Method and system for underwriting and servicing financial accounts
US8412545B2 (en) 2003-09-15 2013-04-02 Genworth Financial, Inc. System and process for providing multiple income start dates for annuities
US20060100946A1 (en) * 2004-11-10 2006-05-11 Kazarian Paul B Co-investment structure with multi-option hurdle rate alternatives for performance based asset allocation
CA2588542A1 (en) 2004-11-30 2006-06-08 Michael Dell Orfano System and method for creating electronic real estate registration
US9076185B2 (en) 2004-11-30 2015-07-07 Michael Dell Orfano System and method for managing electronic real estate registry information
WO2006088975A2 (en) * 2005-02-17 2006-08-24 Bert Ely A financial product and method which link a debt instrument to a bond
US7707104B2 (en) * 2005-03-25 2010-04-27 Andrew Kalotay System and a method for determining whether to refinance a consumer debt instrument
US20060259440A1 (en) * 2005-05-13 2006-11-16 Keycorp Method and system for electronically signing a document
US20060271473A1 (en) * 2005-05-26 2006-11-30 New York University Process, system, software arrangement and storage medium which is capable of providing various financing options
US20060282376A1 (en) * 2005-06-14 2006-12-14 Goldberg Peter L System and method for automated processing of real estate title commitments
US8478670B2 (en) 2005-08-30 2013-07-02 Andrew Kalotay Associates, Inc. Method and system for determining which mortgage choice is best for a consumer
US20080005016A1 (en) * 2005-09-20 2008-01-03 Uhlmann Charles E Methods and media for presenting costs associated with rate protection on a mortgage
EP1969551A2 (en) * 2005-09-20 2008-09-17 Uhlmann, Charles E. System and method for providing a custom hedged adjustable rate mortgage
US7805350B2 (en) * 2006-03-22 2010-09-28 Andrew Kalotay Method and a system for valuing and analyzing bonds with estate put features
US20070260534A1 (en) * 2006-05-03 2007-11-08 Daniel Park Method and system for implementing changes in a mortgage loan index
US8185456B2 (en) * 2006-05-24 2012-05-22 Crew Financial Llc Method and system for structuring a mortgage
US7925580B2 (en) * 2006-06-06 2011-04-12 Warren Brasch Mortgage loan product
US20080249871A1 (en) * 2006-10-06 2008-10-09 Cheaphousepayments.Com, Inc. System and Method for the Advertising, Marketing and Sale of Real Estate
US7865429B2 (en) * 2007-04-23 2011-01-04 Bank Of America Corporation Bundled mortgage package
US20090037232A1 (en) * 2007-07-30 2009-02-05 Goldman, Sachs & Co. Loans Collateralized by Life Insurance Policies
US20090083178A1 (en) * 2007-09-24 2009-03-26 Scott Nash Method and apparatus for providing mortgage
US8612263B1 (en) 2007-12-21 2013-12-17 Genworth Holdings, Inc. Systems and methods for providing a cash value adjustment to a life insurance policy
AU2008200417A1 (en) * 2008-01-29 2008-09-25 Ares Capital Management Pty Ltd Mortgage Insurance Premium Calculation Method, System & Apparatus
US20090287615A1 (en) * 2008-05-13 2009-11-19 St Rose Richard Forward-Looking Expense Allocation (FLEA)
US8543494B2 (en) 2009-01-09 2013-09-24 Bank Of America Corporation Shared appreciation loan modification system and method
US20150026034A1 (en) * 2013-07-18 2015-01-22 Credibility Corp. Financial Systems and Methods for Increasing Capital Availability by Decreasing Lending Risk
US20150193873A1 (en) * 2014-01-09 2015-07-09 Capital One Financial Corporation Systems and methods for dynamic, risk-based purchase financing
US10664907B2 (en) 2016-03-01 2020-05-26 Finx Software Technology Inc. System and method for determining interest rates and interest rate buy down for indirect financing transactions
US11367133B2 (en) 2016-03-01 2022-06-21 Finx Software Technolgy Inc. System and method for determining interest rates and interest rate buy down for indirect financing transactions
SG11202102554PA (en) 2020-04-13 2021-04-29 Alipay Hangzhou Inf Tech Co Ltd Method and system for optimizing allocation of borrowing requests

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5644727A (en) * 1987-04-15 1997-07-01 Proprietary Financial Products, Inc. System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing
US4953085A (en) 1987-04-15 1990-08-28 Proprietary Financial Products, Inc. System for the operation of a financial account
US5852811A (en) * 1987-04-15 1998-12-22 Proprietary Financial Products, Inc. Method for managing financial accounts by a preferred allocation of funds among accounts
WO1991011772A1 (en) * 1990-02-02 1991-08-08 Intaforce Limited Method and apparatus for releasing value of an asset
US5930776A (en) * 1993-11-01 1999-07-27 The Golden 1 Credit Union Lender direct credit evaluation and loan processing system
US5819230A (en) * 1995-08-08 1998-10-06 Homevest Financial Group, Inc. System and method for tracking and funding asset purchase and insurance policy
US6016482A (en) * 1996-01-11 2000-01-18 Merrill Lynch & Co., Inc. Enhanced collateralized funding processor
US5995947A (en) 1997-09-12 1999-11-30 Imx Mortgage Exchange Interactive mortgage and loan information and real-time trading system
US5966700A (en) 1997-12-23 1999-10-12 Federal Home Loan Bank Of Chicago Management system for risk sharing of mortgage pools
US6345262B1 (en) * 1999-04-23 2002-02-05 Martin P. Madden System and method for implementing a mortgage plan

Also Published As

Publication number Publication date
WO2002041215A1 (en) 2002-05-23
US20020059136A1 (en) 2002-05-16
US6671677B2 (en) 2003-12-30

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