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House Bill Looks to Kill Yield Spread Premiums

And given the well-documented outrages pervading the industry these days – exorbitant overdraft fees, late fees, nuisance fees and balloon payments buried in opaque legalese, slimy yield spread premiums that banks give brokers who push high-risk mortgages – it’s awkward to argue against it. Not impossible, though.

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"House Democrats look. at a spread of 278 basis points. It was at 240 basis points before june 1 downgrades. “We are seeing a huge bump in Illinois State paper,” said Edward Lee at IHS Markit. A.

To decide if your offer is a good deal for you, you’ll need to compare APR, the interest rate, mortgage closing costs, yield spread premium (YSP) to the monthly house payments and loan amount. Make sure you get, in addition to all federal and state required disclosures, these three documents: 1) Truth In Lending Statement which discloses the APR

Yield Spread Premium: was it disclosed according to the law? – Yield Spread premiums are typically not disclosed (according to the law) properly. Conversely, the interest rate on the borrowers mortgage is higher than he qualified for and he pays a higher interest rate over the life of the loan . Was Your Yield Spread Premium Disclosed?

Yield is a general term that relates to the return on the capital you invest.. Investor Home. Get Rid of Debt · Save for Retirement · Get Help with a Broker Dispute.. In the yield curve above, interest rates (and also the yield) increase as the. period increases-yield on a 30-day T-bill is 2.55 percent, compared to 4.80.

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The "yield spread premium," or YSP as it’s known in the industry, is the fee (commission) paid by the mortgage lender to the broker in exchange for a higher interest rate, or an above market mortgage rate.. Though the borrower may qualify for a mortgage at a lower interest rate, the broker or loan officer can charge this fee and give the borrower a slightly higher rate to make more.

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