Patent ID: 8082202

Claim:
A computer-based method of indexing mortgages to at least one market index, carried out by one or more processors accessing one or more electronic information sources, the method comprising: aggregating cash amounts received from a plurality of investors into a pool of cash; defining at least one index representative of market values of real property in a class of real property; for each of a plurality of borrowers, wherein the plurality of borrowers includes owners of real property in the class being financed or refinanced with market-indexed mortgage loans: allocating cash from the pool of cash to a borrower for financing or refinancing an identified real property in the class as a market-indexed mortgage loan; calculating time-based payments to be made by the borrower as a loan repayment obligation, based on the cash allocated to the borrower; and electronically adjusting one or more of the payments using the at least one index, and storing values representing the adjusted one or more payments, wherein adjustments in the time-based payments reflect changes in market values associated with the class of real property; and pooling market-indexed mortgage loans of the plurality of borrowers in a fund that issues one or more class of shares or units to investors, including shares or units whose values fluctuate in response to the at least one index.