Methods and systems for managing financial loan products using co-signor arrangements

摘要

Systems and methods are disclosed for managing financial loan products. The systems and methods may manage a financial loan product for a principal monetary amount and associated with a borrower, a co-signor, and an item of property, where the co-signor has a liability associated with the financial loan product. The system and method may receive payment data concerning payments made by the borrower towards the principal amount, and monitor a principal-to-value factor reflecting a currently owed amount of principal based on the received payment data and reflecting a market value of the item of property. The system and method may then determine, based on the monitored principal-to-value factor, whether to update the liability of the co-signor.