Category: General
Posted by: uscybertek
Equity: The difference between the fair market value and current indebtedness, also referred to as the owner's interest. The value an owner has in real estate over and above the obligation against the property.

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Category: General
Posted by: uscybertek
Closing: The meeting between the buyer, seller and lender or their agents where the property and funds legally change hands. Also called settlement. closing costs usually include an origination fee, discount points, appraisal fee, title search and insurance, survey, taxes, deed recording fee, credit report charge and other costs assessed at settlement. The cost of closing usually are about 3 percent to 6 percent of the mortgage amount.

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Category: General
Posted by: uscybertek
Fannie Mae: seeFederal National Mortgage Association.

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Category: General
Posted by: uscybertek
Pledged account Mortgage (PAM): Money is placed in a pledged savings account and this fund plus earned interest is gradually used to reduce mortgage payments.

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Category: General
Posted by: uscybertek
Adjustment interval: On an adjustable rate mortgage, the time between changes in the interest rate and/or monthly payment, typically one, three or five years, depending on the index.

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Category: General
Posted by: uscybertek
Permanent Loan: A long term mortgage, usually ten years or more. Also called an "end loan."

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Category: General
Posted by: uscybertek
FHA loan: a loan insured by the Federal Housing Administration open to all qualified home purchasers. While there are limits to the size of FHA loans ($155,250 as of 1/1/96), they are generous enough to handle moderately-priced homes almost anywhere in the country.

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Category: General
Posted by: uscybertek
Reverse Annuity Mortgage (RAM): A form of mortgage in which the lender makes periodic payments to the borrower using the borrower's equity in the home asSatisfaction of Mortgage: The document issued by the mortgagee when the mortgage loan is paid in full. Also called a "release of mortgage."

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Category: General
Posted by: uscybertek
Appraisal: An estimate of the value of property, made by a qualified professional called an "appraiser".

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Category: General
Posted by: uscybertek
Federal National Mortgage Association: (FNMA) also know as "Fannie Mae" A tax-paying corporation created by Congress that purchases and sells conventional residential mortgages as well as those insured by FHA or guaranteed by VA. This institution, which provides funds for one in seven mortgages, makes mortgage money more available and more affordable.

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