Quantitative Series | 24-11
Freddie Mac's SOFR Transition: A Deep Dive into Index Buffers
The transition from LIBOR to the Secured Overnight Financing Rate (SOFR) has introduced a new layer of complexity to the residential adjustable-rate mortgage (ARM) market. We provide a proprietary analysis of SOFR index volatility buffers and how they compare against historical benchmarks. For the executive borrower, understanding these technical index shifts is the difference between a predictable payment environment and unexpected capital exposure in a high-interest cycle.
Access Research Data
Strategy Series | Capital Allocation
The Tax-Advantaged Mortgage: Structuring for Multi-Generational Wealth
Residential debt should not be viewed as a liability, but as a tactical capital management tool. We explore the methodology of the 'Tax-Advantaged Mortgage'—specifically how sophisticated borrowers in high-tax jurisdictions like Pennsylvania can structure their loan to maximize interest deductibility while maintaining portfolio liquidity. Our advisory team deconstructs the intersection of debt service and estate preservation strategies.
View Strategy Framework
Audit Series | Transparency Reporting
Institutional vs. Retail: Why Your Lender's 'Par Rate' is Often a Fiction
The concept of 'Par Rate' is one of the most misunderstood terms in the retail lending industry. In this transparency report, we reveal how retail lenders utilize 'Rate Padding' and 'Service Spreads' to capture an additional 0.375% - 0.5% in margin beyond the institutional benchmarks. We provide the technical checklist required for an executive-level loan audit to ensure you are receiving the absolute benchmark rate reserved for institutional-class borrowers.
Launch Rate Audit