Credit, Loans & Mortgages

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  1. How People Fall Into a Debt Spiral

    ...and how they can break their way out of it. Hint: You'll need to develop discipline and patience.
  2. The 6 Best Peer-To-Peer Lending Websites (LC)

    A look at some of the most well-known and reputable peer-to-peer lending websites, their business models and successes to ...
  3. Right Of Redemption

    Right of redemption is the legal right of any mortgagor or borrower to reclaim property they would otherwise lose in foreclosure ...
  4. Asset Protection

    Asset protection is the concept of exercising strategies to guard one's wealth from taxation, seizure or other losses.
  5. Power Of Sale

    Power of sale is a clause in a mortgage that gives the lender the right to foreclose on a property without judicial review ...
  6. Use And Occupancy - U&O

    Use and occupancy refers to a type of permit required when real property is transferred or an agreement that allows temporary ...
  7. Recourse Loan

    A recourse loan is a type of financing that allows a lender to seek damages and attach the accounts of the borrower if they ...
  8. In Escrow

    In escrow is a status for an item that has been transferred to a third party to be released later to a grantee as part of ...
  9. Distressed Sale

    A distressed sale is a situation where a seller attempts to divest themselves of an asset in an urgent manner even if means ...
  10. Standard Floor Limit

    A Standard Floor Limit is the maximum amount a merchant can charge a credit card without authorization.
  11. Credit Analyst

    A credit analyst is a financial professional who possesses expertise in assessing the creditworthiness of individuals, companies, ...
  12. Standing Mortgage

    A standing mortgage can be contrasted with a normal mortgage as a kind of interest-only loan.
  13. Construction Loan

    A construction loan is a short-term loan used to finance the building or renovation of a home or other real estate project. ...
  14. Consumer Credit Delinquency Bulletin

    The Consumer Credit Delinquency Bulletin is a newsletter designed to help banks evaluate their loan portfolios.
  15. Conjoined Account

    A conjoined account is an account that has more than one account holder, each of whom has equal rights to access the account.
  16. Defect Of Record

    A defect of record is public record outlining any encumbrance on a piece of property, such as a property tax lien or mortgage.
  17. HOPE For Homeowners

    HOPE for Homeowners was a federal program aimed at helping homeowners in financial distress due to the collapse of the subprime ...
  18. Chip-And-Signature Card

    A chip-and-signature card contains data embedded in a microchip and requires consumers to sign to complete transactions in ...
  19. Servicemen's Readjustment Act

    The Servicemen's Readjustment Act gives benefits to military veterans, including low-interest mortgages, unemployment compensation ...
  20. Secure Option ARM

    A secure option ARM is a type of payment-option adjustable-rate mortgage with a fixed interest rate period.
  21. Behavior-Based Repricing

    Behavior-based repricing occurs when a credit card company changes a credit card holder’s interest rate based on their repayment ...
  22. Recast Trigger

    A recast trigger is a clause that creates an unscheduled recasting of a loan's remaining amortization schedule when certain ...
  23. Unscheduled Recast

    An unscheduled recast is when the amortization schedule changes following the trigger of certain clauses contained in the ...
  24. Open Listing

    An open listing is a property listing that uses multiple real estate agents in a nonexclusive arrangement to find potential ...
  25. Buy Here Pay Here (BHPH)

    Buy here pay here (BHPH) refers to used car dealers that sell vehicles as well as finance them, usually to buyers with bad ...
  26. Reloading

    Reloading is the practice of taking out a new loan to pay off an existing loan to obtain a lower interest rate or to consolidate ...
  27. Precision Score

    Precision score is the former name of the TransUnion credit reporting agency's NextGen credit model.
  28. Balance Chasing

    Balance chasing is the practice by some banks of reducing a customer’s available line of credit as they pay down their credit ...
  29. FAKO Score

    A FAKO score is a derogatory term for a credit score that is not among the FICO scores lenders access when evaluating credit ...
  30. No-Fee Mortgage

    A no-fee mortgage is when a lender charges no fees applications, appraisals, underwriting, processing, and third-party closing ...
  31. Inflexible Expense

    An inflexible expense is one that cannot be adjusted or eliminated by a company or individual.
  32. Cloning

    Cloning is copying stolen credit or debit card information to a new card. Card information is scanned then transferred to ...
  33. Corporate Lien

    A corporate lien is a claim made against a business for outstanding debt owed to another business or tax obligations owed ...
  34. Take-Out Lender

    A take-out lender is a type of financial institution that provides a long-term mortgage on property, which replaces interim ...
  35. Nellie Mae

    Nellie Mae is a New England student financial-services firm that was purchased by Sallie Mae in 1999. Today, it exists as ...
  36. Penalty Repricing

    Penalty repricing is an increase in a credit-card borrower's interest rate for failing to make at least the minimum payment ...
  37. Keep And Pay

    Keep and pay is a bankruptcy exemption. It lets a person keep an asset provided the individual continues to make payments.
  38. Carbon-Paper Packets

    Multilayered slips that merchants used to manually process credit cards before dial-up card readers became widespread.
  39. Fee-Harvesting Card

    A fee-harvesting card is a credit card that charges excessive fees. It's often marketed to individuals with weak credit scores.
  40. Implied Call

    An implied call is the right borrowers have to pay back a mortgage or other loan early if they so choose.
  41. Approval Response

    An approval code sent to a point of sale terminal that verifies that a credit or debit card has sufficient funds to make ...
  42. Semi-Secured Credit Card

    A semi-secured credit card is marketed to individuals who carry a higher credit risk. It offers credit, but also requires ...
  43. Mixed File

    A mixed file is credit bureau record that contains more than one consumer’s information.
  44. Accommodation Endorser

    An accommodation endorser is one who agrees to back the credit obligations of another party.
  45. Accommodation Endorsement

    An accommodation endorsement is a written agreement from one business entity to back the credit liability of another.
  46. Rate-Improvement Mortgage

    A Rate-Improvement Mortgage gives a borrower a one-time option to reduce their home loan interest rate.
  47. Direct Mail

    Direct Mail is a form of advertising using the postal service to deliver targeted advertising materials.
  48. Stipulated Judgment

    A Stipulated Judgment is a court decision ordering a debtor to pay back a debt according to an agreed schedule.
  49. Discretionary ARM

    A Discretionary ARM is a form of variable-rate home loan in which the interest rate is can be changed at the lender’s discretion. ...
  50. Canada Mortgage and Housing Corporation - CMHC

    Canada Mortgage and Housing Corporation (CMHC) is the national housing agency of Canada.
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