Core Viewpoint - The Gross Law Firm has issued a notice to shareholders of Rocket Companies, Inc. regarding a class action lawsuit due to alleged misleading statements and failure to disclose critical information during a specified class period [1][3]. Summary by Relevant Sections Class Period and Allegations - The class period for the lawsuit is from March 29, 2021, to April 1, 2021 [3]. - Allegations include that Rocket's gain on sale margins were contracting at the highest rate in two years due to increased competition among mortgage lenders and a shift towards lower margin segments [3]. - It is claimed that Rocket was engaged in a price war, further compressing margins in its Partner Network operating segment [3]. - The adverse trends were reportedly accelerating, with gain on sale margins expected to plummet by at least 140 basis points in the first half of 2021 [3]. - The favorable market conditions that previously allowed Rocket to achieve high gain on sale margins had disappeared, returning to levels not seen since Q1 2019 [3]. - Overall, the positive statements made by the defendants about the company's operations were deemed materially misleading [3]. Next Steps for Shareholders - Shareholders are encouraged to register for the class action by July 8, 2025, to participate in the case [4]. - Once registered, shareholders will receive updates through a portfolio monitoring software [4]. - There is no cost or obligation for shareholders to participate in the case [4]. About the Gross Law Firm - The Gross Law Firm is a nationally recognized class action law firm focused on protecting investors' rights against deceit and illegal business practices [5]. - The firm aims to ensure companies adhere to responsible business practices and seeks recovery for investors who suffered losses due to misleading statements [5].

Core Points - Atrium Mortgage Investment Corporation has declared a monthly dividend of $0.0775 per common share for July 2025, payable on August 12, 2025, to shareholders of record on July 31, 2025 [1] - The company currently pays monthly dividends at an annual rate of $0.93 per share, with a potential special dividend at year-end if declared dividends are less than taxable income for that fiscal year [2] - Atrium offers a Dividend Reinvestment Plan (DRIP) allowing shareholders to reinvest dividends in new shares at a 2% discount from market price without commissions, facilitating compound growth of their investment [3] - Atrium is recognized as a non-bank provider of residential and commercial mortgages in major urban centers in Canada, focusing on stable and liquid real estate markets [4] - As a Mortgage Investment Corporation (MIC) under the Canada Income Tax Act, Atrium is not taxed on income as long as taxable income is distributed to shareholders as dividends within 90 days after year-end [5]

Core Insights - Greystone Housing Impact Investors LP has entered into a new Credit Agreement for a secured revolving line of credit totaling $80 million, replacing a previous agreement of $50 million [1][2][3] Group 1: Credit Agreement Details - The new Acquisition LOC provides temporary financing for investment purchases, with advances expected to be repaid from traditional debt financing sources [2] - The outstanding balances on the Acquisition LOC will incur interest at Term SOFR plus 2.50%, with a minimum interest rate of 2.60% [2] - The stated maturity of the Acquisition LOC is June 2027, with the possibility of extension to June 2029 under customary conditions [2] Group 2: Company Strategy and Operations - The increase in the Acquisition LOC by $30 million reflects strong relationships with bank lenders and enhances the Partnership's capacity for managing capital and liquidity [3] - Greystone Housing Impact Investors LP focuses on acquiring, holding, and managing a portfolio of mortgage revenue bonds aimed at financing affordable housing [4] - The Partnership aims to achieve investment growth through acquiring additional mortgage revenue bonds and leveraging attractive financing structures available in the market [4]

Core Insights - AGNC Investment Corp. (AGNC) and Annaly Capital Management (NLY) are leading players in the mortgage real estate investment trusts (mREITs) sector, both providing attractive long-term returns and substantial dividend yields, but differing in portfolio strategies and risk profiles [1] Capital Distribution & Dividend Yield - AGNC has a dividend yield of 15.34% with a payout ratio of 81%, but has not increased its dividend in the last five years [2] - NLY announced a cash dividend of 70 cents per share for Q1 2025, a 7.7% increase from the previous payout, with a current dividend yield of 14.37% and a payout ratio of 101% [3] - AGNC has a share repurchase plan authorizing up to $1 billion of common stock until December 31, 2026 [6] - NLY has a share repurchase program allowing for the repurchase of up to $1.5 billion of common stock until December 31, 2029, but has not executed any repurchases since its announcement [7] Business Model & Portfolio Diversification - AGNC focuses exclusively on agency mortgage-backed securities (MBS), which exposes it to volatility, while NLY employs a diversified capital allocation strategy that includes residential credit and mortgage servicing rights, reducing rate sensitivity [8][11] - NLY's diversified strategy is expected to contribute to long-term growth and stability, allowing it to capitalize on various market cycles [12] Interest Rate Sensitivity - AGNC is significantly affected by interest rate changes due to its concentrated agency MBS exposure, leading to increased borrowing costs and profit margin pressures [13][14] - AGNC's interest expenses surged from $75 million in 2021 to $2.9 billion in 2024, reflecting its vulnerability to rate hikes [15] - NLY's diversified portfolio allows it to better withstand interest rate volatility, resulting in lower increases in borrowing costs compared to AGNC [16] Benefits From Mortgage Rates - Both AGNC and NLY are expected to benefit from declining mortgage rates, with the average 30-year fixed-rate mortgage dropping from 6.95% to 5.80% year-over-year [19] - NLY is likely to see stronger book value appreciation due to tightening spreads in the Agency MBS market, while AGNC may benefit from increased refinancing activity [20][21] Earnings Estimates - AGNC's earnings estimates for 2025 and 2026 indicate year-over-year declines of 11.2% and 3.9%, respectively [22] - NLY's earnings estimates for the same period suggest year-over-year growth of 6.3% and 1.4% [25] Price Performance & Valuations - Over the past year, AGNC gained 12.6% and NLY rose 17.7%, outperforming the industry average of 8.6% [29] - AGNC trades at a forward price-to-tangible book (P/TB) multiple of 1.10X, while NLY trades at 0.99X, both above the industry average of 0.98X [31][34] Conclusion - NLY's recent dividend hike and diversified strategy position it as a more attractive option for long-term stability and growth compared to AGNC, which has faced challenges due to its concentrated agency MBS exposure [36][38]

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Core Viewpoint - The Gross Law Firm has issued a notice to shareholders of Rocket Companies, Inc. regarding a class action lawsuit due to alleged misleading statements and failure to disclose critical financial information during a specified class period [1][2]. Summary by Relevant Sections Allegations - The complaint alleges that during the class period from March 29, 2021, to April 1, 2021, Rocket's gain on sale margins were contracting at the highest rate in two years due to increased competition among mortgage lenders and a shift towards lower margin segments [2]. - It is claimed that Rocket was engaged in a price war with competitors, further compressing margins in its Partner Network operating segment [2]. - The adverse trends were reportedly accelerating, with gain on sale margins expected to plummet by at least 140 basis points in the first half of 2021 [2]. - The favorable market conditions that had previously allowed Rocket to achieve high gain on sale margins had disappeared, returning to levels not seen since Q1 2019 [2]. - Company-wide gain-on-sale margins had fallen materially below recent historical averages, contradicting earlier positive statements made by the defendants [2]. Next Steps for Shareholders - Shareholders who purchased shares of RKT during the specified timeframe are encouraged to register for the class action by July 8, 2025, to potentially be appointed as lead plaintiffs [3]. - Registered shareholders will receive updates through a portfolio monitoring software throughout the lifecycle of the case [3]. Law Firm Background - The Gross Law Firm is a nationally recognized class action law firm dedicated to protecting the rights of investors who have suffered losses due to deceitful practices [4].

Core Insights - Albert Anthony is a Croatian-American business author and media contributor with a focus on financial markets, launching a book titled "Financial Markets: The Next Generation" in 2025 [1] - He has a non-traditional financial background, having worked as an analyst in the IT sector for Fortune 500 companies, which has informed his approach to equities research [1] - In 2021, he founded his own equities research firm, Albert Anthony & Company, which operates remotely [1] Background and Experience - Albert Anthony grew up in the New York City area and has ties to Austin, Texas, and Croatia, where he has participated in numerous business and innovation events [1] - He holds degrees and certifications from institutions such as Drew University and the Corporate Finance Institute [1] - In addition to his financial commentary, he has experience in European casting agencies and has appeared in regional media in Croatia [1] Future Endeavors - A new YouTube show titled "Financial Markets with Albert Anthony" is set to launch in 2025, where he will provide market commentary similar to his written work [1]

Core Viewpoint - A class action securities lawsuit has been filed against Rocket Companies, Inc. for alleged securities fraud affecting investors between March 29, 2021, and April 1, 2021 [1][2]. Group 1: Allegations of Fraud - The lawsuit claims that Rocket's gain on sale margins were contracting at the highest rate in two years due to increased competition among mortgage lenders and a shift towards lower margin segments [2]. - It is alleged that Rocket was engaged in a price war with competitors, further compressing margins in its Partner Network operating segment [2]. - The complaint states that adverse trends were accelerating, with gain on sale margins expected to plummet by at least 140 basis points in the first half of 2021 [2]. - The favorable market conditions that previously allowed Rocket to achieve high gain on sale margins had disappeared, returning to levels not seen since Q1 2019 [2]. - The company's gain-on-sale margins had fallen materially below recent historical averages, contradicting positive statements made by the defendants about the company's operations and prospects [2]. Group 2: Legal Process and Participation - Investors who suffered losses during the relevant time frame have until July 8, 2025, to request to be appointed as lead plaintiff, although participation does not require this role [3]. - Class members may be entitled to compensation without any out-of-pocket costs or fees, with no obligation to participate [3]. Group 3: Firm Background - Levi & Korsinsky has a history of securing hundreds of millions of dollars for shareholders and has been recognized as one of the top securities litigation firms in the U.S. for seven consecutive years [4].

Core Viewpoint - Orchid Island Capital, Inc. (ORC) offers a high dividend yield of 20.3%, significantly above the industry average of 12.4%, and has increased its dividend three times in the past five years [1][9]. Dividend Yield - ORC is a specialty finance mortgage real estate investment trust (mREIT) that invests in residential mortgage-backed securities (RMBS) on a leveraged basis, providing favorable long-term returns and substantial dividend yields [3]. - Competitors AGNC Investment and Arbor Realty Trust have dividend yields of 15.8% and 15.5%, respectively [3]. Financial Position - As of March 31, 2025, ORC had $446.5 million in cash and cash equivalents, with no debt [4]. - The company has a share repurchase plan, with 2.7 million shares available for repurchase as of April 25, 2025 [5]. Market Conditions - The Federal Reserve has lowered interest rates by 100 basis points in 2024, and mortgage rates have slightly declined, with the average 30-year fixed-rate mortgage at 6.77% as of June 26, 2025 [7]. - Fannie Mae projects mortgage rates to reach 6.6% by the end of Q3 2025 and 6.5% by year-end [8]. Earnings Projections - Earnings for 2025 are projected to rise by 394.4%, with a year-over-year growth estimate of 266.67% for Q2 2025 [9][17]. - The Zacks Consensus Estimate for ORC's earnings in 2025 is $0.53, with a significant increase from a loss of $0.18 the previous year [19]. Valuation Analysis - ORC is currently trading at a forward 12-month price-to-sales (P/S) multiple of 2.47X, higher than the industry average of 2.35X [20]. - The company's share price has increased by 12.5% over the past three months, outperforming the industry average of 10% [14]. Strategic Focus - ORC maintains a focus on agency RMBS, which positions it well in the competitive market, with expectations of improved loan demand and net interest spreads as mortgage rates decline [10][11][22]. - The company generated a positive total return of 2.6% in Q1 2025, driven by its monthly dividend [12].

Core Insights - The average 30-year fixed-rate mortgage (FRM) decreased to 6.67% as of July 3, 2025, marking a decline from 6.77% the previous week and down from 6.95% a year ago [1][6] - The 15-year FRM also saw a decrease, averaging 5.80%, down from 5.89% last week and 6.25% a year ago [6] - This marks the fifth consecutive week of decline in the average 30-year FRM, representing the largest weekly drop since early March [2] Market Context - The PMMS focuses on conventional, conforming, fully amortizing home purchase loans for borrowers with excellent credit who put 20% down [3] - The decline in mortgage rates is seen as encouraging, with more sellers entering the market, which may provide prospective buyers with an advantage despite ongoing affordability challenges [2] Company Mission - Freddie Mac's mission is to enhance liquidity, stability, and affordability in the housing market, having assisted millions of families in buying, renting, or maintaining their homes since 1970 [4]