Abstract: Some embodiments include a method of making available a synthetic variable interest rate to a borrower under a loan and a fixed interest rate to a lender of the loan. The method includes generating a settlement notice and sending the settlement notice. The settlement notice includes one of a notice of a first interest payment amount or a notice of a second interest payment amount. Further, when the settlement notice comprises the notice of the first interest payment amount, the method includes sending the first interest payment amount, and when the settlement notice comprises the notice of the second interest payment amount, the method includes receiving the second interest payment amount. Further still, the method includes receiving from the borrower a shared security interest in collateral securing the loan, and the shared security interest is shared with the lender. Other embodiments of related methods and systems are also provided.

Abstract: Some embodiments include a method of making available a synthetic fixed interest rate to a borrower under a loan and a variable interest rate to a lender of the loan. The method includes generating a settlement notice and sending the settlement notice. The settlement notice includes one of a notice of a first interest payment amount or a notice of a second interest payment amount. Further, when the settlement notice comprises the notice of the first interest payment amount, the method includes sending the first interest payment amount, and when the settlement notice comprises the notice of the second interest payment amount, the method includes receiving the second interest payment amount. Further still, the method includes receiving from the borrower a shared security interest in collateral securing the loan, and the shared security interest is shared with the lender. Other embodiments of related methods and systems are also provided.