Alexander Suslov | Source | Head of Capital Markets at A&D Mortgage, LLC at A&D Mortgage, LLC
Alexander Suslov
A results-oriented professional in Structured Finance world with strong analytical, management and leadership skills. A Fordham University alum with a Master's degree in Global Finance. BS in Public Administration at MSU.
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A&D Mortgage, LLC
Head of Capital Markets at A&D Mortgage, LLC
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15-year vs. 30-year mortgage: Which is the better option?
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Surviving non-QM lenders are gaining business now
But high rates and tight pricing in the capital markets are sparking liquidity woes and profit-margin challenges
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USA Today: “Opting for a 30-year mortgage over a 15-year one makes sense when you prioritize flexibility in your monthly payments,” says Alexander Suslov, head of capital markets at A&D Mortgage.
Alexander Suslov, head of capital markets at A&D Mortgage LLC, said whole loans in the current mortgage market, on a weighted average, are selling in the range of 102 or 103 — with par being 100.
“When mortgage originators get 102 [for a whole-loan sale] and their cost to originate is around 102 as well, those who have less efficient production … they tend to [exit] the market, while those who can get as efficient as possible survive and thus acquire larger market share,” he said.