Abstract: A Risk Reduction Mortgage System and Method is provided. In one aspect of the present disclosure is a system and method of calculating and reducing risk by offering consumers, as a feature of their mortgage transaction, the practical means of trading local price risk as measured by changes in local housing price indices for the performance of the national real estate price risk as measured by a national housing price index. In another aspect, the present disclosure is a method, system, and a computer readable medium for generating and managing a risk reduction mortgage.

Abstract: An improved Hall effect sensor includes a four-terminal Hall plate with orthogonally paired terminals that produce voltage signals in response to changes in an ambient magnetic field created by the proximity of a ferrous gear tooth to the sensor. Voltage signals from orthogonally paired terminals of the Hall plate are controlled by switches that are coupled to a clock signal generator. In response to the clock signal, the switches allow current to flow in a first direction corresponding to a first phase of the clock and to flow in a second direction corresponding to a second phase of the clock. A plurality of pass gate transistors in the sensor circuitry are connected to a timing generator synchronized with the clock signal generator. The timing generator outputs are received by the gate transistors and the gate transistors control the sequence in which a plurality of capacitors are charged. This plurality of capacitors store the voltage output from the Hall plate.