Federal Home Loan Mortgage Corporation

Other

Federal Home Loan Mortgage Corporation (freddie Mac)

Freddie Mac

Federal Home Loan Mortgage Association

Paul Alan Thomas

Martin M Loketek

Robert J Fishman

Clifford V Rossi

Morgan C Snyder

John P McMurray

Jacqueline Marie Doty

Lynne Sroka Mayo

Richard Peter Nespola, Jr

Daniel Wayne Kelly

Gary M Ayers

A system and method of structuring a supplemental interest mortgage is disclosed. A principal debt obligation and a supplemental debt obligation based on the principal debt loan are secured by a single security instrument. The principal debt obligation includes the principal loan and principal interest to compensate a lender for use of the lender's funds. The supplemental debt obligation includes supplemental interest to compensate a lender for the risk of borrower nonpayment.

Method for structuring a supplemental interest mortgage

Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.

Risk-based reference pool capital reducing systems and methods

A marble game includes a game board in the form of a cruciform and requires a player to move marbles around a board, or to and from a center location. Each player is provided with five marbles and the first player to move all five marbles either to and from the center location, or around the board wins the game. Some marbles have to be returned to a home position during the game when certain occurrences happen.

Marble game

A hold-down device for office equipment or the like is disclosed herein having an elongated base with a lock retainer at one end and a hook retainer at its opposite end for releasably engaging with the opposite ends of a support member to which equipment is carried. The support member is adhesively attached to the underside of the equipment and the lock retainer includes a rotating latch carried on the support member engageable with an undercut provided on a raised portion carried on the base. A shoulder provided on a lock retainer mounting element guides and locates the placement of the equipment onto the support member.

Equipment hold-down apparatus

Growing community of inventors

Ashburn, VA, United States of America

Paul Alan Thomas