Credit, Loans & Mortgages

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  1. 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, ...
  2. First-Time Homebuyer's Guide

    Buying a home for the first time can seem daunting. Learn the buying process & what to watch out for in order to be a ...
  3. How to Outsmart Private Mortgage Insurance

    It's possible to use a second mortgage to avoid this fee, but is it in your best interest?
  4. Why Do Most of My Mortgage Payments Start Out as Interest?

    When you make a mortgage payment, the amount paid is a combination of an interest charge and principal repayment. Over the ...
  5. What’s Up with Mortgage Applications

    Mortgage applications have been up and down in recent weeks, despite some slight declines in mortgage rates.
  6. Is it Time to Get a HELOC?

    With home values rising, more Americans are taking advantage of their increasing equity by taking out home equity lines of ...
  7. Promissory Note

    A financial instrument that contains a written promise by one party to pay another party a definite sum of money either on ...
  8. Origination Fee

    An up-front fee charged by a lender for processing a new loan application, used as compensation for putting the loan in place. ...
  9. Origination Points

    A type of fee borrowers pay to lenders or loan officers to compensate them for the role they play in evaluating, processing ...
  10. Points

    1. A 1% change in the face value of a bond or a debenture. 2. In futures contracts, a price change of one one-hundredth, ...
  11. 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 ...
  12. Cities Where Americans Are Best and Worst at Managing Money

    A new study demonstrates that geography may play a part in how well Americans are managing their finances.
  13. 4 Signs You're In Financial Trouble

    These four situations that should set off alarm bells.
  14. HSBC Sells Mortgage Business to Cerdit Suisse (HSBC, CS)

    The Hong Kong juggernaut is giving up on residential loans, hoping corporate finance will be a more lucrative business.
  15. What Is a Lawsuit Settlement Loan?

    A lawsuit settlement loan is a cash advance for an impending settlement or judgment. There can be pricey strings attached.
  16. The Best Family Neighborhoods in Chicago

    Which are the best family neighborhoods in Chicago? Here are five to explore.
  17. Loan

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

    Someone who makes funds available to another with the expectation that the funds will be repaid, plus any interest and/or ...
  19. Interest Expense

    The cost incurred by an entity for borrowed funds. Interest expense is a non-operating expense shown on the income statement. ...
  20. Collateralized Mortgage Obligation - CMO

    A type of mortgage-backed security in which principal repayments are organized according to their maturities and into different ...
  21. Assessed Value

    Assessed value is the dollar value assigned to a property for purposes of measuring applicable taxes.
  22. Credit Score: Hard Vs. Soft Inquiry

    There are two types of credit inquiries, but only one can lower your credit score. Learn the difference and act accordingly.
  23. Debt Instrument

    A paper or electronic obligation that enables the issuing party to raise funds by promising to repay a lender in accordance ...
  24. Down Payment

    A type of payment made in cash during the onset of the purchase of an expensive good/service. The payment typically represents ...
  25. Balloon Payment

    An oversized payment due at the end of a mortgage, commercial loan or other amortized loan. Because the entire loan amount ...
  26. How Your Credit Can Affect Homeownership

    Keeping your credit clean is important when buying, qualifying and paying for a home.
  27. Alternative Data Like Cell Phone Bills Can Help Your Credit Rating

    Millions of Americans could see their credit rating rise as credit bureaus rely more on alternative data like cell phone ...
  28. Amortization Schedule

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

    An adjustable rate mortgage is a type of mortgage in which the interest rate paid on the outstanding balance varies according ...
  30. 5-1 Hybrid Adjustable-Rate Mortgage - 5-1 Hybrid ARM

    An adjustable-rate mortgage (ARM) has an initial five-year fixed-interest rate. After this initial five-year period, the ...
  31. Credit Card Review: Platinum American Express (AXP, JPM)

    But you get a $200 Uber bonus. Fee rises March 30. Is this premium travel rewards card still worth it?
  32. Is a Reverse Mortgage Right for You?

    There are pros and cons to consider before taking out a reverse mortgage on your home.
  33. Cities Where People Overspend Most on Car Loans

    High car prices are leading to an epidemic of overspending on car loans – at least in some cities. Here's why.
  34. Mortgage Originator

    A mortgage originator is an institution or individual that works with a borrower to complete a mortgage transaction.
  35. Personal Property

    A type of property which, in its most general definition, can include any asset other than real estate. The distinguishing ...
  36. Should Your Credit Rating Scare You?

    Take the mystery out of credit scores by learning the most important ways it can impact your life.
  37. Why Advisors Say Debt Isn’t Always a Bad Thing

    When managed properly, debt can be used to achieve a higher overall rate of return.
  38. Gen X: Can Your House Cost You Your Retirement?

    If you're in Generation X and thinking about retirement, be sure to review your housing expenses.
  39. Foreclosure - FCL

    A situation in which a homeowner is unable to make principal and/or interest payments on his or her mortgage, allowing the ...
  40. Commercial Mortgage-Backed Securities (CMBS)

    A type of mortgage-backed security that is secured by the loan on a commercial property. A CMBS can provide liquidity to ...
  41. 4 Financial Planning Tips for Doctors

    Doctors should use these financial tips to make up for income lost during school and residency.
  42. Mortgage Do’s and Don’ts for 2017

    With rising mortgage rates this year, homebuyers need to be especially smart about mortgage do’s and don’ts.
  43. Pros and Cons of VA Loan Down Payments

    Are making VA loan down payments when buying a home a good idea? Why put money down when you don’t have to? Let’s take a ...
  44. Creditor

    A creditor is an entity that extends credit by giving another entity permission to borrow money if it is paid back at a later ...
  45. 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 ...
  46. Home Mortgage

    A home mortgage is a loan given by a bank, mortgage company or other financial institution for the purchase of a primary ...
  47. More People to Pay Off Debt than Spend Tax Refund Cash in 2017

    Financial security weighs heavy as people choose prudence over spending the extra refund cash
  48. How HELOCs Can Hurt You

    A home equity line of credit is a convenient way to borrow money. Just be careful to avoid the pitfalls.
  49. Buying A Second Home to Rent: Dos and Don'ts

    Mortgage interest rates are low, but consider these dos and don'ts before making the leap into rental property ownership.
  50. The Pros and Cons Of A 30-Year Mortgage

    It's the most popular choice, but home buyers with 30-year mortgages may be paying more to finance their home than they need ...
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