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Adjustable Rate Mortgage (ARM a mortgage in which the interest rate is adjusted periodically based on an index.
The method for calculating YTM can then be represented with the following formula: or, solving the equation by hand requires an understanding of the relationship between a bonds price and its yield, as well as of the different types of bond pricings.
Private Mortgage Insurance (PMI) Paid by a borrower to protect the lender in case of default.
Pledge Account Mortgage (PAM) Combines GPM (graduated payment mortgage) with a subsidizing savings account to provide the borrower with a low payment plan, registered sex offenders in gwinnett county ga the lender with amortizing payments and the seller with cash.Phone The table list the correct telephone numbers to access the loan department of each institution.Adjustment Interval, for an adjustable rate mortgage, the time between changes in the interest rate charged.Discount Points A term used in government subsidized loans, such as FHA and VA loans.Mortgage Banker A financial intermediary that originates or funds loans, collects payments, inspects the property, and forecloses if necessary.When the bond is priced at par, the bonds interest rate is equal to its coupon rate.O P, q R, s T, u ollow Us Copyright 2018 by WebFinance, Inc.Escrow Analysis An analysis performed by a lender each year to escrow accountholders to ensure that the correct amount of money is being collected to cover anticipated payments.Residential mortgage-backed securities can also be non-agency, meaning that they are not backed by the government and are issued privately by banks and other financial institutions.Depreciation In real estate and mortgage terms, the decline in the property value.Points are broken out on the site for Discount and Origination.This mortgage provides that instead of making payments to a lender, the lender makes payments to the individual.A mortgage or a first trust deed is a lien.Escrow fees range from several hundred to over a thousand dollars, based on the purchase price of your home.What is 'Yield To Maturity (YTM.This is usually given at an 80 loan-to-value ratio.Rent-Loss Insurance Insurance that protects a landlord against loss of rent or rental value due to fire or other casualty, resulting in the tenant being excused from paying rent.The date when a new monthly payment amount takes effect on an adjustable rate mortgage (ARM) or a graduated payment mortgage (GPM).
Truth-in-Lending Law Provision that requires lenders to reveal the actual costs of borrowing.
Mortgage Broker A mortgage company that originates loans, joining the borrower and lender for a real estate loan, earning a placement fee.
Firm Commitment A lenders agreement to provide a loan to a specific borrower on a specific property.
The interest rate is brought down for a temporary period, usually from one to three years.