Agency Mortgage Pass-Throughs

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Construct a loan amortization table for a 20-year fixed rate mortgage with annual interest rate of 3.6%. The amount borrowed is $500,000. In addition, compute the WAL (weighted average life) of the loan. Assume there is no prepayment throughout the life of the loan.

Please use EXCEL to complete this question. The loan amortization table should show the monthly mortgage payment, monthly interest payment and principal repayment, and monthly beginning/ending loan balance.

Reference: https://ucirvine.instructure.com/courses/28601/files/11908248?module_item_id=1027125 Spreadsheet posted on Canvas.

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Bonds and Finance

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A home buyer borrowed a 5/1 ARM (30 year amortization) with an annual interest rate of 3% fixed for the first five years. The amount of the loan is $600,000. (15 points)
Compute her monthly mortgage payment for the first five years.
In the first month, how much is she paying the interest? How much is she paying the principal?
A home buyer borrowed a 5/1 Interest Only Hybrid ARM (30 year amortization) with an annual interest rate of 3% fixed for the first five years. The amount of the loan is $600,000.(15 points)
Compute her monthly mortgage payment for the first five years.
Suppose after the first five years, the annual interest rate adjusted to 6% for the 6th year into the loan, and she would need to start paying principal. Assuming the homeowner did not make any prepayment during the first five years, how much would be her monthly mortgage payment for the sixth year? In the first month of year 6, how much is she paying in interest? How much in principal?

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Computer privacy

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Using a Web search tool, identify cases in which private information was disclosed when computer equipment was discarded. Recent examples have included smartphones (like BlackBerry) that were sold without proper data cleansing and hard drives that were sold without data cleansing after the computers they were originally used in were upgraded.

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Research on a newer malware variant

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Using a Web browser, perform some research on a newer malware variant that has been reported by a major malware containment vendor. Using a search engine, go to the vendor’s Web site; this could be Symantec, McAfee, or any of their competitors. Visit one malware prevention software vendor. Search for the newest malware variants and pick one. Note its name and try to understand how it works. Now look for information about that same malware from at least one other vendor. Were you able to see this malware at both vendors? If so, are there any differences in how they are reported between the two vendors?

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