Amid signals that the interest-rate cycle may shift, certain funding solutions can present value in managing liquidity, earnings, and interest-rate risk.
As the prospect of rates being “higher for longer” continues to pick up steam, the Member-Option Advance can be a useful tool to hedge interest-rate risk while maintaining the flexibility to adapt if necessary.
FHLBank Boston’s Mortgage Parternship Finance® (MPF®) 35 product has sharpened its pricing and value proposition at a time when the mortgage business is experiencing challenges due to higher interest rates. Due to some of the nuances of how the product is structured and how prices and price adjustments are made, different opportunities exist for Participating Financial Institutions (PFIs), members participating in the MPF Program, to create more value out of their mortgage activity. In times of constrained liquidity or robust refinancing, the MPF Program could be an attractive arrow in a PFI’s quiver.
Our Annual and Advisory Council Reports highlight how the Bank innovated to help our members with their liquidity and housing and community development needs throughout 2024.
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