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Looking to fund loans or securities with advances? A Federal Home Loan Bank of Boston funding-strategy model can help you develop strategies to hedge interest-rate risk and maximize profitability. Whether you're looking to fund fixed-rate portfolio products, hybrid ARMs, commercial loans, or mortgage-backed securities, a funding-strategy model can help you make informed funding decisions.

Our Financial Strategies team works with members to help them manage their balance sheets and address risk. Prepared for actual members, the following case studies represent a sampling of different strategy ideas.

Contact your relationship manager or our Member Financial Strategies department to discuss your institution’s overall sensitivity position, strategy objectives, and interest in customized funding strategies tailored to your institution's needs.  Please call Kevin Martin, Vice President, Member Financial Strategies Manager, at 617-292-9644 or Marianne Cacciola, Financial Strategist at 617-425-9452.

Learn to interpret a funding strategy model by taking a quick tutorial available on our web site.

Several of the following solutions involve the use of HLB-Option advances. HLB-Option advances require active management as interest rates change. Please see the HLB-Option Advance Primer for a discussion of the risks and other considerations associated with the HLB-Option advance. FHLB Boston does not act as a financial adviser, and members should independently evaluate the suitability and risks of these solutions.

Please note the date on each case. The scenario described may not reflect today’s current market conditions. 

Current Funding-Strategy Models

30-Year Fixed Rate Mortgage – First-Time Home-Buyer Credit
January 11, 2010

Five-Year Fixed Equity Loan
November 02, 2009

The Debt-Free Mortgage
October 07, 2009

Funding 15-Year Fixed-Rate Mortgages
September 09, 2009

15-Year Fixed-Rate Mortgage at 4.875 Percent
August 11, 2009

Leverage Strategies
July 17, 2009

Leverage Stategies
July 08, 2009

30-Year Fixed Rate Mortgages at 5.50 Percent
July 02, 2009

Funding a Pool of 30-Year Fixed-Rate Mortgages
June 08, 2009

Funding 15-Year Fixed-Rate Mortgages at 4.625 Percent
May 27, 2009

Leverage Stategies
May 15, 2009

Funding 15-Year Fixed-Rate Mortgages at 4.875 Percent
May 08, 2009

Leverage Strategies
May 01, 2009

15-Year Fixed-Rate Mortgages at 4.50 Percent
April 21, 2009

15-Year Fixed-Rate Mortgage at 4.70 Percent
April 02, 2009

15-Year Fixed-Rate Mortgage at 4.625 Percent
March 27, 2009

Funding Fixed-Rate Mortgages at 5 Percent
March 20, 2009

Leverage Strategies
March 16, 2009

30-Year Fixed-Rate Mortgages at 5.375 Percent
March 05, 2009

15-Year Fixed-Rate Mortgage at 4.75 Percent
February 26, 2009

30-Year Fixed-Rate Mortgages at 5.125 Percent
February 11, 2009

10-Year Fixed-Rate Mortgages at 4 Percent
February 06, 2009

Funding a Pool of 30-Year, Fixed-Rate Mortgages
January 30, 2009

Funding 12-Year Fixed-Rate Equity Loans
January 21, 2009

Funding Promotions for 30-Year Fixed-Rate Mortgages
January 16, 2009

Fixed-Rate Home Equity Loans
January 02, 2009

Funding 30-Year Fixed Rate Mortgages
November 28, 2008

Funding a Ginnie Mae MBS with FHLB Advances
November 19, 2008

Commercial Real Estate Funding Strategies
November 06, 2008

30-Year Fixed-Rate Mortgage Funding Strategies
September 19, 2008

20-year MBS Funding Strategies
August 12, 2008

Commercial Loan Funding Strategies
July 25, 2008

20-year FNMA MBS Funding Strategies
July 01, 2008

30-year Fixed Rate Mortgage Funding Strategies
June 25, 2008

30-year Fixed Rate Mortgage Funding Strategies
May 30, 2008

30-Year Fixed Rate Mortgage Funding Strategies
April 22, 2008

15-Year MBS Funding Strategies
April 18, 2008

5/1 Adjustable Rate Mortgage Funding Strategies
April 04, 2008

5/1 ARM Strategies Funded to the Reset Date
January 09, 2008

Loan Pools Can Offer Growth Opportunities
November 28, 2007

Lock in Spread on 30-Year Originations with Funding at Historically Low Levels
November 13, 2007

Using Advances to Fund the Pre-Purchase of Investments Maturing over the Next Year
November 01, 2007

CD Investments Offer Fixed Spreads and Growth Opportunities
November 01, 2007

Funding Alternatives for 10-Year Commercial Loans with 25-Year Amortization Schedules
October 26, 2007

Funding a 3/1 Jumbo ARM
October 26, 2007

Funding 30-Year Mortgages with a Five-Rung Bullet Ladder
October 19, 2007

Risk Versus Reward
October 15, 2007

3/1 ARM Strategy Compared with 30-year Fixed Rate Mortgage Strategy
October 10, 2007