Computer implemented method for transforming bank-owned real property assets and/or bank held mortgage note receivables into a negotiable hybrid mortgage/asset-backed security.

摘要

A method for transforming bank-owned real property assets and/or bank held mortgage note receivables, suitable for refinancing, into a negotiable hybrid mortgage/asset-backed security. The method includes providing a bank mortgage at a below-market mortgage rate for purchase of the real property or refinance by the mortgagor. The bank mortgage, having a face value, is assigned to a secondary market buyer at a market price greater than 30% of the mortgage face value. The face value minus the market price defining mortgage note equity. Using the current bond price % of the mortgage face value, a negotiable government security or Non-governmental organization security is purchased by the secondary market buyer. The bank mortgage note and government security/non-governmental organization security are securitized into a single negotiable hybrid security suitable for selling or pledging to a central bank as collateral securing funds to recycle the process.

主权项

1. A computer implemented method for transforming bank-owned real property assets and/or bank held mortgage note receivables into a negotiable hybrid/asset-backed security, said method comprising:
displaying, using one or more processors, a real estate or property bank mortgage at a below-market mortgage rate for purchase by a secondary market buyer, the bank mortgage having a face value; selecting, using one or more of the processors, a bank mortgage stored in an electronic database; applying the database to purchase and restructure mortgage note and government or a non-governmental organization (NGO) security into a single hybrid financial instrument for providing 0% mortgage on the real estate asset by:
transferring, using one or more of the processors, the bank mortgage to a secondary market buyer at a market price greater than 30% of the mortgage face value, the face value minus the market price defining mortgage note equity; calculating, using one or more of the processors, the mortgage note face value at a ratio of the current bond price to determine the dollar amount, the secondary market buyer purchasing a negotiable or administratively issued security; securitizing, using one or more of the processors, the bank mortgage and security into a single negotiable hybrid mortgage/asset-backed security for purchase or pledging to an institutional investor; and printing the hybrid/asset-backed security with a DNA fingerprint certificate device that applies a DNA fingerprint of an authorized person to the hybrid/asset-backed security, wherein the DNA fingerprint certificate device uses a printer ink made from the authorized person′ unique DNA and pigmented ink, and wherein the printer ink is applied to a mold of the authorized person's fingerprint during printing of the hybrid/asset-backed security to show authenticity.