Patents by Inventor Pamela Marguerite Howard

Pamela Marguerite Howard 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).

  • Modifiable mortgage
    Patent number: 8595130
    Abstract: Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where exercising the option results in one or more terms of the mortgage loan being modified, and where one or more terms of the option are based at least partially on a non-mortgage relationship between a borrower associated with the mortgage loan and a lender associated with the mortgage loan.
    Type: Grant
    Filed: August 31, 2010
    Date of Patent: November 26, 2013
    Assignee: Bank of America Corporation
    Inventors: Shane A. Johnson, Lisa D. Curry, Pamela Marguerite Howard, Michael J. Kelly
  • MODIFIABLE MORTGAGE
    Publication number: 20110022512
    Abstract: Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where exercising the option results in one or more terms of the mortgage loan being modified, and where one or more terms of the option are based at least partially on a non-mortgage relationship between a borrower associated with the mortgage loan and a lender associated with the mortgage loan.
    Type: Application
    Filed: August 31, 2010
    Publication date: January 27, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Shane A. Johnson, Lisa D. Curry, Pamela Marguerite Howard, Michael J. Kelly
  • MORTGAGE LOAN HAVING EXERCISABLE OPTION
    Publication number: 20110022507
    Abstract: Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where the mortgage loan includes a fixed interest rate, and where the option includes an interest rate modification feature, such that exercising the option results in the value of the fixed interest rate being modified from a first value to a second value.
    Type: Application
    Filed: August 31, 2010
    Publication date: January 27, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Shane A. Johnson, Lisa D. Curry, Pamela Marguerite Howard, Michael J. Kelly