MORTGAGE MANAGEMENT SYSTEM AND METHOD

摘要

Methods and systems for structuring a single financial product that combines mortgage and insurance. Periodic payments of mortgage interest are made during the existence of the mortgage and a guarantee of principal repayment is from an insurance policy at the end of the mortgage term. The proceeds from the insurance policy are reserved to pay the principal on the mortgage. A financial planning product for prospective and active homeowners is provided, and an investment product for individual and institutional investors. Mortgage interest rates for homeowners are reduced over the predetermined mortgage period while maximum financial protection to preserve the home for the family is provided.