Credit, Loans & Mortgages

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  1. Rate And Term Refinance

    Rate and term refinance is the refinancing of an existing mortgage for the purpose of changing the interest and/or term of ...
  2. Fair And Accurate Credit Transactions Act - FACTA

    The Fair and Accurate Credit Transactions Act (FACTA) is a U.S. resolution passed in 2003 aimed at enhancing protection measures ...
  3. Mortgage Rate Lock Float Down

    An option know as a mortgage rate lock float down lets home buyers secure the best possible rate while a mortgage is processing.
  4. Skimming

    Skimming is a method used by identity thieves to capture information from a cardholder.
  5. What are the benefits of credit ratings?

    Credit ratings are an important tool for borrowers to gain access to loans and debt. Typically, the better your credit rating, ...
  6. Loan Committee

    The loan committee is the lending or management committee of a bank or other lending institution.
  7. Mortgage Interest

    The interest paid by a homeowner on the financing used to pay for their home is called mortgage interest.
  8. FICO (Fair Isaac)

    A software company that specializes in services for assessing credit scores, FICO serves banks and other financial institutions.
  9. Credit Agency

    A company called as a credit agency gathers debt information that is used to generate a score that indicates creditworthiness. ...
  10. Indexed Rate

    An indexed rate is an interest rate that is tied to a specific benchmark with rate changes based on the movement of the benchmark.
  11. Satisfaction of Mortgage

    A satisfaction of mortgage is a document that confirms a mortgage has been paid off and details the provisions for the transfer ...
  12. How a Stock Market Shakeup Affects Mortgages

    Will the recent stock market shakeup affect mortgages and home sales? And if it does, should that factor into your decision ...
  13. Impound

    Impound is an account maintained by mortgage companies to collect payments for property taxes, private mortgage insurance ...
  14. Points

    Points are a 1% change in the face value of a bond or a debenture or in futures contracts, a price change of one one-hundredth, ...
  15. Key Rate

    The key rate is the specific interest rate that determines bank lending rates and the cost of credit for borrowers.
  16. Payoff Statement

    A payoff statement is a statement prepared by a lender providing a payoff quote for prepayment on a mortgage or other loan. ...
  17. Closed Loop Card

    A closed loop card is an electronic payment card that a cardholder can only use to make purchases from a single company. ...
  18. Home Equity Conversion Mortgage (HECM)

    A home equity conversion mortgage (HECM) is a type of Federal Housing Administration (FHA) insured reverse mortgage.
  19. Credit Card Posting

    Credit card posting occurs when a cardholder transaction has been settled and recorded with a post date.
  20. Actuarial Assumption

    An actuarial assumption is an estimate of an uncertain variable input into a financial model for the purposes of calculating ...
  21. Convenience Fee

    A convenience fee is a fee assessed by a payee when a consumer pays with an electronic payment card rather than by cash, ...
  22. Per Diem Interest

    Per diem interest is the daily interest on a loan that occurs outside of the standard repayment period.
  23. Principal Reduction

    A principal reduction is a decrease granted toward the principal owed on a loan, typically a mortgage.
  24. Housing Expense Ratio

    Housing expense ratio is a ratio comparing housing expenses to pre-tax income.
  25. Co-Applicant

    A co-applicant is an additional person considered in the underwriting and approval of a loan.
  26. Chargeback

    A chargeback is a charge that is returned to a payment card after a customer successfully disputes an item on his account ...
  27. Billing Statement

    A billing statement is a monthly report that credit card companies issue to credit card holders showing their recent transactions, ...
  28. Underwater Mortgage

    An underwater mortgage is a home purchase loan with a higher principal than the free-market value of the home.
  29. American Debt: Credit Card Balances Up $26Billion in 4Q 2017

    Rising balances and credit limits may be fine for now, but with household debt rising faster than GDP, there could be consequences ...
  30. American Debt: Auto Loan Balances Total $1.22 Trillion in 4Q 2017

    Consumer auto debt has continued to snowball, a reflection of continued optimism about the economy. But there could be a ...
  31. American Debt: Mortgage Debt Reaches $9.33 Trillion in 4Q 2017

    In the fourth quarter of 2017, mortgage debt is up $402 billion from the fourth quarter of 2016. Is this a good or a bad ...
  32. American Debt: Student Loan Balances Up $21 Billion in 4Q 2017

    It isn’t news that student loan debt is large and growing, up $21 billion in Q4. What would be news is a solution to the ...
  33. Property Lien

    A property lien is a legal claim on assets which allows the holder to obtain access to property if debts are not paid.
  34. Post Date

    The post date is the day, month and year when a card issuer posts a transaction and adds it to the cardholder’s account balance. ...
  35. Credit Report

    A credit report is a detailed report of an individual's credit history.
  36. Batch Credit Card Processing

    The transmission of all credit card transactions on a given day is called batch credit card processing.
  37. Seasoning

    Seasoning is the length of time a debt security has been publicly traded. Seasoning determines if a premium should be made ...
  38. Hybrid ARM

    A Hybrid adjustable-rate mortgage is a type of mortgage will have an initial fixed interest rate period followed by an adjustable ...
  39. Due-On-Sale Clause

    A section of a mortgage known as a due-on-sale clause gives the lender the right to full repayment when a property is sold.
  40. Non-Owner Occupied

    Real estate that is not used as a personal domicile by the owner is called non-owner occupied.
  41. Was I Hacked? Find Out If the Equifax Breach Affects You

    147.9 million Americans may have been affected – 2.4 million more than previously reported. In other news, Equifax's profits ...
  42. Conduit Financing

    Conduit financing is a financing arrangement involving a government or other qualified agency using its name in an issuance ...
  43. Personal Identification Number (PIN)

    A personal identification number (PIN) is a numerical code used in many electronic financial transactions.
  44. Authorized Transaction

    An authorized transaction is a debit or credit card purchase for which the merchant has received approval from the bank that ...
  45. Yield Maintenance

    Yield maintenance is a prepayment premium that allows investors to attain the same yield as if the borrower made all scheduled ...
  46. Permanent Loan

    A permanent loan is an agreement in which an individual, trust, or company loans artwork or other objects to a museum for ...
  47. Private-Passenger Auto Insurance Policyholder Risk Profile

    Private-passenger auto insurance policyholder risk profile is an estimate of the risk an insurance company will take on by ...
  48. Title Binder

    A title binder is a temporary form of real estate insurance coverage related to the transfer of ownership.
  49. Social Security Number (SSN)

    A Social Security Number (SSN) is a numerical identifier assigned to U.S. citizens and some residents to track their income ...
  50. 8 Alternatives To A Credit Card Cash Advance

    Sometimes you can find a better deal than a cash advance – but some alternatives are even more pricey. Learn where to find ...
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