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If you are in the process of refinancing your home mortgage qualifying for the lowest mortgage rate will s

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

ave you a lot of money. Did you know that mortgage loans are sold as retail products just like your kitch

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

n appliances? If you accept retail interest rates when refinancing your loan you could overpay thousands

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

of dollars every month you keep the loan. Here are the basics you need to know about mortgage interest ra

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

es before refinancing your home loan.

Retail vs. Wholesale

When you’re talking about mortgage interest r

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

ates what's the difference between wholesale and retail? Most homeowners are unaware that mortgage compan

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

es and brokers mark up their interest rate for a commission. This markup of your mortgage interest rate i

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

s called Yield Spread Premium and is what makes mortgage rates “retail.”

Why do mortgage companies and br

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

ker mark up interest rates? Loan originators mark up your rate with Yield Spread Premium because the whol

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

esale lender pays them a bonus for charging you above market mortgage rates. For every .25% you agree to

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

verpay when refinancing your loan originator gets a bonus of 1.0% of your loan amount. This bonus is paid

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

in addition to the origination fees you already paying for their services.

Yield Spread Premium in Action

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

Suppose you refinance your home for $300,000. Your mortgage broker tells you that you qualify for a 6.7

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

% interest rate and charges you 1% or $3,000 for the origination fees. What your broker isn’t telling you

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

is that the wholesale lender approved you for a mortgage rate of 6.0% and they marked it up for a bonus o

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

$9,000. You get stuck paying retail mortgage rates and your broker pockets $12,000. Does this sound lik

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

e a scam to you?

Some People Get Wholesale Mortgage Rates…You Can Too

How can you avoid paying Yield Spr

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ad Premium when refinancing your mortgage? Homeowners who learn to recognize this unnecessary markup can

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

negotiate with potential mortgage companies and brokers to avoid paying it. You can learn more about refi

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

ancing your mortgage without paying Yield Spread Premium by registering for a free mortgage video tutorial

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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