Rate Simulation

MLN runs rate simulations weekly to assess which terms project to have the lowest hypothetical cost of borrowing given:

  • The leading nationally advertised rates
  • The market's current forward rate expectations
  • Historical rate spreads (used with forward rates to project renewal rates)
  • An estimated $300 in switching costs at each renewal.

Our simulations test all terms and combinations of terms (e.g., a 3-year fixed renewing into a 2-year fixed, a 4-year fixed renewing into a 1-year fixed, etc.).

All borrowing costs are estimated over a 5-year span for comparison purposes.

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