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Mortgage Rates explained by videos

Video on "What is a Mortgage" The Basics of Mortgage and Home Ownership

A sample from the video "A mortgage is a loan by a bank or other financial institutions that a person can use to finance the purchase of the home. A mortgage is different from other looks like personal more student loans since the bank can you answer house as collateral. Meaning, if you don't pay the bank back on time they can take possession of your home."

A more complex video explaining factors that influence mortgage rates today

Selected quotes from the video include: "It all starts with securitization that's where we take a bunch of individual mortgages and put them together into a giant pool of mortgage loans. That pool of mortgage loans is further segmented down in a mortgage bonds which themselves are classified based upon their risk profile. From triple-a rated bonds, lowest response bonds, to unrated or junk bonds, bonds the highest risk."

"Mortgage-backed securities are traded every day just like stocks and like stocks mortgage-backed securities are very volatile, which means that they move up and down throughout the day in from day to day. Now the price of these bonds in the mortgage rates that are tied with them move a lot like a teeter-totter meaning that when one goes up the other goes down and vice versa"