European Central Bank keeps key deposit rate at -0.5%

“The Governing Council expects the key ECB interest rates to remain at their present or lower levels until it has seen the inflation outlook robustly converge to a level sufficiently close to, but below, 2% within its projection horizon, and such convergence has been consistently reflected in underlying inflation dynamics,” the central bank said.

This new trend in house selling could cast a cloud over America’s property market.

‘With these types of transactions gaining market share, it reduces the accuracy and usefulness of data that is based on traditional multiple listing service sources’

This new startup claims it will help you buy a home without a mortgage.

Los Angeles-based investor-backed startup buys the house of a customer’s choice and sells it back to them in shares, piece-by-piece, in whatever time frame and amount the consumer wants.

U.S. Renters Spent $4.5 Trillion on Housing This Decade.

In 2019 alone, renters spent more than $512 billion on housing – the most of any year in this decade. Altogether, renters spent 2.9% more on rent this year than they did in 2018 and 46.5% more than in 2009.
What We Do
Three reasons to choose us for all your Ideal hedging

Services

Maximize your Execution The mortgage pipeline is a very dynamic component of a mortgage banking business. Each day, new locked applications are coming in, loans are closing, locked applications are being denied or withdrawn and terms of existing locks are

Philosophy

At Vice Capital Markets, our hedging philosophy and process is both conservative and analytical.  Using your own historical data, we determine the expected fallout levels for each type of mortgage product in your pipeline.  Using this information along with the

Benefits

  Primary Benefits of Hedging Greatly improved execution over best efforts. In typical market environments, a 25 to 55 basis point improvement in execution is realized. In high-volume environments, double the typical improvement is not unusual. Improved flexibility and execution
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About Us
At Vice Capital Markets our goal is to help you

Since 2001, Vice Capital Markets has successfully managed the interest rate risk and maximized the profitability on over $400 billion of mortgage-backed securities trades and mortgage-related transactions.

Our expertise and familiarity with many types of executions and end investors has yielded superior results for our clients.

Through long rallies, swift declines, and multiple interest rate shocks our fallout models and risk management strategies have steadily and successfully weathered market fluctuations of all degrees.

Meet the Team
Some of our Company Officers

Troy D. Baars

President

Shawn D. Ansley

Managing Director

Kimberly M. Campbell

Vice President

Christopher M. Bennett

Principal
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