Credit, Loans & Mortgages

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  1. Securitization

    June 20, 2016
    The process through which an issuer creates a financial instrument by combining other financial assets and then marketing ...
  2. Loan-To-Value Ratio - LTV Ratio

    June 20, 2016
    A lending risk assessment ratio that financial institutions and others lenders examine before approving a mortgage.
  3. Sovereign Debt

    June 20, 2016
    Bonds issued by a national government in a foreign currency, in order to finance the issuing country's growth. Sovereign ...
  4. Down Payment

    June 20, 2016
    A type of payment made in cash during the onset of the purchase of an expensive good/service. The payment typically represents ...
  5. Adjustable-Rate Mortgage - ARM

    June 20, 2016
    A type of mortgage in which the interest rate paid on the outstanding balance varies according to a specific benchmark. The ...
  6. Default Risk

    June 20, 2016
    The event in which companies or individuals will be unable to make the required payments on their debt obligations. Lenders ...
  7. Paydown

    June 20, 2016
    This occurs when the amount a company or government repays in debt exceeds the amount they currently borrow. A Paydown takes ...
  8. Pledged Asset

    June 20, 2016
    An asset that is transferred to a lender for the purpose of securing debt. The lender of the debt maintains possession of ...
  9. Retail Banking

    June 20, 2016
    Typical mass-market banking in which individual customers use local branches of larger commercial banks. Services offered ...
  10. Lender

    June 20, 2016
    Someone who makes funds available to another with the expectation that the funds will be repaid, plus any interest and/or ...
  11. Principal, Interest, Taxes, Insurance - PITI

    June 20, 2016
    The components of a mortgage payment. Principal is the money used to pay down the balance of the loan; interest is the charge ...
  12. Amortized Loan

    June 20, 2016
    A loan with scheduled periodic payments of both principal and interest. This is opposed to loans with interest-only payment ...
  13. How to Lend Money to Family and Not Regret It

    June 20, 2016
    It’s hard to refuse a family member’s request for a loan, but be sure to go into such arrangements with your eyes open.
  14. UK House Prices Outside London Rise

    June 20, 2016
    Property website Rightmove says that asking prices for homes in England and Wales have risen to high levels and the pace ...
  15. Vanderbilt Mortgage Reviews: What You Need to Know

    June 18, 2016
    Learn about the business of Vanderbilt Mortgage and Finance Inc. Discover which mortgage products the company offers and ...
  16. 4 Ways to Reduce Mortgage Fees

    June 17, 2016
    Learn several ways to save on mortgage fees, such as increasing your down payment amount, shopping between lenders, not paying ...
  17. U.S. Housing Market on Fire in May

    June 16, 2016
    The number of homes sold during May not only increased year-over-year but the pace at which the transaction happened is also ...
  18. Household Debt Surpasses $90,000

    June 16, 2016
    Study finds that the average debt in U.S. households is over $90,000.
  19. Chase vs. Wells Fargo: Which Is Best for High-Net-Worth Accounts? (JPM, WFC)

    June 16, 2016
    Compare private banking services offered by Chase and Wells Fargo to high-net-worth individuals, and decide which bank provides ...
  20. Job Market for Recent College Grads Looks Brighter

    June 16, 2016
    Understand the challenges recent college graduates have faced in the job market and learn why the picture was brightening ...
  21. Google Is Banning Bad Ads (GOOG)

    June 16, 2016
    Explore the reasons behind Google's ban on payday loan ads, the cost in lost revenues to Google, and the search engine's ...
  22. Why Student Loans Are Now 20% of Graduates' Salaries

    June 15, 2016
    Learn why college debts absorb 18 to 20% of salaries due to higher college costs, mismatched wages, disproportionate federal ...
  23. Does marrying someone with bad credit affect my credit score?

    June 14, 2016
    Married couples generally maintain two separate credit records and histories. However, if you decide to take out a loan with ...
  24. Are U.S. Banks Becoming Aggressive on Lending Again?

    June 14, 2016
    Discover why banks are increasing their credit portfolios to include more credit cards and how this may impact your ability ...
  25. Japan’s Sovereign Debt Outlook Lowered by Fitch

    June 14, 2016
    Japan is the largest indebted country with government debt as a percentage of GDP touching 229% at the end of 2015.
  26. Visa Stock Declines Despite Price Target Increase (V)

    June 13, 2016
    Visa shares fell as much as 1.74% to $79.84 despite the credit card company receiving some positive comments from analysts ...
  27. Student Indebtedness Increasing: Fed Survey

    June 12, 2016
    Student loans are becoming increasingly necessary to get an education, a trend likely to reinforce the cycle of inequality ...
  28. Why High Levels of Household Borrowing Is Not Concerning

    June 11, 2016
    Discover how global debt levels have risen beyond the 2008 financial crisis levels and learn how the current interest rate ...
  29. Buying a Home? Avoid the ‘Debt Domino’ Effect

    June 10, 2016
    If you’ve recently purchased or refinanced a new home and you're taking on additional debt, chances are you’ve fallen victim ...
  30. LendingClub Stock Rises 5% on Funding Deals (LC)

    June 10, 2016
    LendingClub has been under pressure since founder Renaud Laplanche was forced to resign last month over allegations of several ...
  31. Wells Fargo Launches 3% Mortgage Down Payment (WFC)

    June 9, 2016
    Late last month the lender unveiled a 3% down program.
  32. Warehouse Lending

    June 9, 2016
    A line of credit extended by a financial institution to a loan originator to fund a mortgage that a borrower initially used ...
  33. Secured Debt

    June 9, 2016
    Debt backed or secured by collateral to reduce the risk associated with lending. An example would be a mortgage, your house ...
  34. Half-Life

    June 9, 2016
    A date some time in the future when half of the total principal of a mortgage-backed security will be paid off. The interest ...
  35. Dwarf

    June 9, 2016
    A slang term used to describe a pool of mortgage backed securities (MBSs) that have been issued by Fannie Mae and have a ...
  36. Creditworthiness

    June 9, 2016
    An assessment of the likelihood that a borrower will default on his or her debt obligations. It is based upon factors, such ...
  37. Credit Card Balance

    June 9, 2016
    The amount of charges, or lack thereof, owed to the credit card company. A new credit card balance can take up to 24 hours ...
  38. Consumer Credit

    June 9, 2016
    A debt that someone incurs for the purpose of purchasing a good or service. This includes purchases made on credit cards, ...
  39. Thrift

    June 9, 2016
    Thrifts are savings and loans associations. Thrifts also refer to credit unions and mutual savings banks that provide a variety ...
  40. Overdraft

    June 9, 2016
    An extension of credit from a lending institution when an account reaches zero. An overdraft allows the individual to continue ...
  41. Mortgage Broker

    June 9, 2016
    An intermediary who brings mortgage borrowers and mortgage lenders together, but does not use its own funds to originate ...
  42. IOU

    June 9, 2016
    An informal document that acknowledges a debt owed. IOU is an abbreviation, in phonetic terms, of "I owe you." The debt owed ...
  43. Closing Costs

    June 9, 2016
    The expenses, over and above the price of the property that buyers and sellers normally incur to complete a real estate transaction. ...
  44. U.S. Credit Card Debt Poised To Reach $1 Trillion

    June 9, 2016
    American's love of putting purchases on credit cards isn't stopping, positioning the nation to collectively owe $1 trillion ...
  45. This New Bill Could Improve Your Credit Score

    June 9, 2016
    The H.R.5282 Bill seeks to amend the Fair Credit Reporting Act to improve consumer credit scores and help consumers understand ...
  46. Capital One Stock Downgraded by Sterne Agee (COF)

    June 9, 2016
    Capital One stock fell after some negative comments by analysts at Stern Agee, who lowered its rating to "underperform" from ...
  47. Rates Fall as Mortgage Applications Soar

    June 8, 2016
    Despite last week's less than rosy jobs report, mortgage applications surged to 9.3% versus the previous week.
  48. Why Investors Should Care About Compound Interest

    June 8, 2016
    Learn about compounding interest and how it impacts savings decisions, debt management, investment strategies and retirement ...
  49. VeriFone Stock Plunges 28% on Q2 Miss, Layoffs (PAY)

    June 8, 2016
    Not only did VEriFone miss Wall Street's second-quarter earnings estimates, it slashed its 2016 guidance and announced layoffs ...
  50. The Top 5 Fannie Mae Shareholders (FNMA)

    June 8, 2016
    Find about the individuals, funds and companies that are top shareholders of Fannie Mae stock. Learn about their profiles ...
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