Credit, Loans & Mortgages

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  1. 5 Surprising Things That Will Hurt Your Credit Score

    Here are five ways that you can damage your credit score without even knowing it.
  2. The Main Differences between Credit Unions and Banks

    Consumers should know the main differences between credit unions and commercial banks when deciding where to do business. ...
  3. 5 Landscaping Tips that Won’t Break the Bank

    Are you considering selling your home this summer? Then you should get your landscape in shape. Here are five secrets to ...
  4. How Credit Card Companies Fight Fraud

    Credit card companies are relying on the full arsenal of weapons, including traditional and emerging big-data analysis to ...
  5. Capital One Stock Trades Ex-Dividend Thursday (COF)

    Capital One will send its dividend payment on August 18 to shareholders of record as of August 8.
  6. Looking for a Tuition-Free College? Move Abroad

    College tuition abroad is free in some cases, allowing students to get a debt-free jump on life. But you might need to brush ...
  7. 8 Essential Four-Letter Words for Financial Health

    By embracing these four-letter words, you can take the steps necessary to improve your financial health.
  8. Unencumbered

    An asset or property that is free and clear of any encumbrances such as creditor claims or liens. An unencumbered asset is ...
  9. Total Debt Service Ratio - TDS

    A debt service measure that financial lenders use as a rule of thumb to give a preliminary assessment of whether a potential ...
  10. Sweat Equity

    Contribution to a project or enterprise in the form of effort and toil. Sweat equity is the ownership interest, or increase ...
  11. Subprime Loan

    A type of loan that is offered at a rate above prime to individuals who do not qualify for prime rate loans. Quite often, ...
  12. Subprime Mortgage

    A type of mortgage that is normally made out to borrowers with lower credit ratings. As a result of the borrower's lowered ...
  13. Standard & Poor's - S&P

    The world's leading index provider and the foremost source of independent credit ratings. Standard & Poor's has been ...
  14. Standard & Poor's 500 Index - S&P 500

    An index of 500 stocks chosen for market size, liquidity and industry grouping, among other factors. The S&P 500 is designed ...
  15. Second Lien Debt

    Debts that are subordinate to the rights of other, more senior debts issued against the same collateral, or a portion of ...
  16. Right Of Rescission

    A right under federal law set forth by the Truth in Lending Act that gives a borrower the right to cancel a home equity loan ...
  17. Revolving Loan Facility

    A financial institution that allows the borrower to obtain a business or personal loan where the borrower has the flexibility ...
  18. Residential Mortgage-Backed Security (RMBS)

    A type of security whose cash flows come from residential debt such as mortgages, home-equity loans and subprime mortgages. ...
  19. Promissory Note

    A financial instrument that contains a written promise by one party to pay another party a definite sum of money either on ...
  20. Prepayment Risk

    The risk associated with the early unscheduled return of principal on a fixed-income security. Some fixed-income securities, ...
  21. Personal Property

    A type of property which, in its most general definition, can include any asset other than real estate. The distinguishing ...
  22. Periodic Interest Rate

    The interest rate charged on a loan or realized on an investment over a specific period of time. Most interest rates are ...
  23. Mortgage-Backed Security (MBS)

    A type of asset-backed security that is secured by a mortgage or collection of mortgages. These securities must also be grouped ...
  24. Mortgage Servicing Rights - MSR

    A contractual agreement where the right, or rights, to service an existing mortgage are sold by the original lender to another ...
  25. Microfinance

    A type of banking service that is provided to unemployed or low-income individuals or groups who would otherwise have no ...
  26. Loan

    The act of giving money, property or other material goods to a another party in exchange for future repayment of the principal ...
  27. Lien

    The legal right of a creditor to sell the collateral property of a debtor who fails to meet the obligations of a loan contract. ...
  28. Fully Amortizing Payment

    A periodic loan payment, part of which is principal and part of which is interest, where if the borrower makes payment according ...
  29. Forbearance

    A temporary postponement of mortgage payments.
  30. Discretionary Income

    The amount of an individual's income that is left for spending, investing or saving after taxes and personal necessities ...
  31. Creditor

    An entity (person or institution) that extends credit by giving another entity permission to borrow money if it is paid back ...
  32. Credit Score

    A statistically derived numeric expression of a person's creditworthiness that is used by lenders to access the likelihood ...
  33. Bridge Loan

    A short-term loan that is used until a person or company secures permanent financing or removes an existing obligation. This ...
  34. Balloon Loan

    A type of loan which does not fully amortize over its term. Since it is not fully amortized, a balloon payment is required ...
  35. Balloon Payment

    An oversized payment due at the end of a mortgage, commercial loan or other amortized loan. Because the entire loan amount ...
  36. Amortization Schedule

    A complete schedule of periodic blended loan payments, showing the amount of principal and the amount of interest that comprise ...
  37. 5-1 Hybrid Adjustable-Rate Mortgage - 5-1 Hybrid ARM

    An adjustable-rate mortgage (ARM) with an initial five-year fixed-interest rate. After this initial five-year period, the ...
  38. Escrow Agent

    An entity that has fiduciary responsibilities in the transfer of property from one party to another. Typically associated ...
  39. Delinquent

    The failure to accomplish what is required by law or duty, such as the failure to make a required payment or to perform a ...
  40. Collateralized Mortgage Obligation - CMO

    A type of mortgage-backed security in which principal repayments are organized according to their maturities and into different ...
  41. Buyer's Market

    A situation in which supply exceeds demand, giving purchasers an advantage over sellers in price negotiations. Buyer's Market ...
  42. Floating Charge

    A security (i.e. mortgage, lien, etc.) that has an underlying asset or group of assets which is subject to change in quantity ...
  43. Homeowners Association Fee - HOA Fee

    An amount of money that must be paid monthly by owners of certain types of residential property to an organization that assists ...
  44. Credit Risk

    The risk of loss of principal or loss of a financial reward stemming from a borrower's failure to repay a loan or otherwise ...
  45. Fannie Mae - Federal National Mortgage Association - FNMA

    A government-sponsored enterprise (GSE) that was created in 1938 to expand the flow of mortgage money by creating a secondary ...
  46. Chattel Mortgage

    A term used to describe a loan arrangement in which an item of movable personal property is used as security for the loan. ...
  47. Collateral

    Property or other assets that a borrower offers a lender to secure a loan. If the borrower stops making the promised loan ...
  48. Hypothecation

    The established practice of a borrower pledging an asset as collateral for a loan, while retaining ownership of the assets ...
  49. Fixed Interest Rate

    An interest rate on a liability, such as a loan or mortgage, that remains fixed either for the entire term of the loan or ...
  50. Discount Points

    A type of prepaid interest mortgage borrowers can purchase that lowers the amount of interest they will have to pay on subsequent ...
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