Patents by Inventor Kimberly J. Hirsch

Kimberly J. Hirsch has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Computerized systems and methods for facilitating the flow of capital through the housing finance industry
    Patent number: 6988082
    Abstract: Computerized systems and methods facilitate the flow of capital through the housing finance industry. A system for determining an interest rate quote and points for a mortgage loan that are specific to a borrower includes input means for obtaining borrower and mortgage loan information, means for retrieving underwriting characteristics and means for calculating the interest rate quote and points based on the borrower and mortgage loan information and based on the underwriting characteristics. The means for calculating includes means for retrieving a required yield which reflects market conditions in a secondary mortgage market including being indicative of a price that can be obtained for the mortgage loan in the secondary mortgage market.
    Type: Grant
    Filed: December 30, 2002
    Date of Patent: January 17, 2006
    Inventors: Michael J. Williams, David N. Voth, Kimberly J. Hirsch, Michael W. Koch, Peter G. Kopperman, Richard N. Plotnick, Martin T. Schulz, Peter A. Simon