Category: General
Posted by: uscybertek
Index: The index is the measure of interest rate changes that the lender uses to decide how much the interest rate on an ARM will change over time. No one can be sure when an index rate will go up or down. To help you get an idea of how to compare different indexes, the following chart shows a few common indexes over a ten-year period (1977-87). As you can see, some index rates tend to be higher than others, and some more volatile. (But if a lender bases interest rate adjustments on the average value of an index over time, your interest rate would not be as volatile.) You should ask your lender how the index for any ARM you are considering has changed in recent years, and where it is reported.

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Category: General
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Contract sale or deed: A contract between purchaser and a seller of real estate to convey title after certain conditions have been met. It is a form of installment sale.

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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
Amortization: Means loan payment by equal periodic payment calculated to pay off the debt at the end of a fixed period, including accrued interest on the outstanding balance.

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Category: General
Posted by: uscybertek
Settlement/Settlement Costs: see closing/closing costs

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Category: General
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Credit Report: A report documenting the credit history and current status of a borrower's credit standing.

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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
Buydown: With a buydown, the seller pays an amount to the lender so that the lender can give you a lower rate and lower payments, usually for an early period in an ARM. The seller may increase the sales price to cover the cost of the buydown. Buydowns can occur in all types of mortgages, not just ARMs.

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Category: General
Posted by: uscybertek
FHLMC: The Federal Home Loan Mortgage Corporation provides a secondary market for savings and loans by purchasing their conventional loans. Also known as "Freddie Mac."

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Category: General
Posted by: uscybertek
Interim Financing: A construction loan made during completion of a building or a project. A permanent loan usually replaces this loan after completion.

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