Systems and methods for assumable note valuation and investment management

A non-transitory computer-readable storage medium with an executable program stored thereon, wherein the program instructs a microprocessor to perform the following steps:

• receiving, at a computer system, an identification of a property having a target assumable mortgage;
• determining a mortgage assumption value based on at least the unpaid principal balance, interest rate, remaining term of the assumable mortgage, and the difference between the mortgage rate of the assumable mortgage and the present mortgage interest rate;
• displaying, on a computerized interface, said mortgage assumption value and one or more of said unpaid principal balance, remaining term of the assumable mortgage, mortgage rate of the assumable mortgage, and the present mortgage interest rate;
• allowing, on said computerized interface, one or more of said displayed unpaid principal balance, remaining term of the assumable mortgage, mortgage rate of the assumable mortgage, and the present mortgage interest rate to be altered by a user;
• determining a revised mortgage assumption value;
• and
• displaying said revised mortgage assumption value to said user.

A mortgage scoring system, said system including:

• a propensity scoring system, wherein said propensity scoring system receives sale information including predetermined attributes with regard to a plurality of recent house purchases wherein said house purchases were financed using an assumable mortgage prior to said purchase, wherein said propensity scoring system uses said sale information to associate a propensity score with specific predetermined attributes of an assumable mortgage, wherein said propensity score represents the likelihood of an assumable mortgage loan to be transferred from a home seller to a home buyer when a property is sold;
• and
• a computerized interface system receiving an identification of a target property having a target assumable mortgage, wherein said target assumable mortgage includes target assumable mortgage attributes, wherein said target assumable mortgage attributes are passed to said propensity scoring system and said target assumable mortgage attributes are used to determine a propensity score for said target assumable mortgage,
• wherein said propensity score for said target assumable mortgage is displayed on said interface system.

A method for identifying a propensity value associated with an assumable mortgage, said method including:

• defining a plurality of mortgage categories, each category representing a unique quantized range of each of a plurality of mortgage variables;
• associating a propensity value with each of said categories;
• receiving an identification of an assumable mortgage, wherein said identification includes an identification of a mortgage-specific value for each of said plurality of mortgage variables;
• classifying said assumable mortgage as belonging to one of said categories based on said plurality of mortgage-specific mortgage variables;
• and
• identifying said propensity value for said category as a propensity value for said assumable mortgage.