[et_pb_section fb_built=”1″ _builder_version=”4.9.0″ _module_preset=”default”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.9.0″ _module_preset=”default”][et_pb_column type=”1_2″ _builder_version=”4.9.0″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _module_preset=”default”]
Mortgage Terms 101
[/et_pb_text][et_pb_accordion admin_label=”Accordion” _builder_version=”4.9.0″ _module_preset=”default”][et_pb_accordion_item title=”Mortgage” open=”on” _builder_version=”4.9.0″ _module_preset=”default”]
A loan secured by real estate, typically used to purchase a home or property.
[/et_pb_accordion_item][et_pb_accordion_item title=”Purchase ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The act of acquiring real estate property.
[/et_pb_accordion_item][et_pb_accordion_item title=”Mortgage Insurance Premium – MIP” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Insurance paid by the borrower to protect the lender in case of default on an FHA loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Private Mortgage Insurance – PMI” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Insurance coverage that protects the lender in case the borrower defaults on the loan, typically required for borrowers with a down payment less than 20% of the home’s purchase price.
[/et_pb_accordion_item][et_pb_accordion_item title=”Refinance” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The process of replacing an existing mortgage with a new loan, often to obtain better terms or lower interest rates.
[/et_pb_accordion_item][et_pb_accordion_item title=”Mortgage Insurance ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Insurance coverage that protects the lender in case the borrower defaults on the loan, typically required for loans with a high loan-to-value ratio.
[/et_pb_accordion_item][et_pb_accordion_item title=”Flood Insurance” _builder_version=”4.9.0″ _module_preset=”default” hover_enabled=”0″ open=”off” sticky_enabled=”0″]
Insurance coverage protecting against property loss due to flooding.
[/et_pb_accordion_item][et_pb_accordion_item title=”Interest Rate ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The percentage charged by the lender for borrowing the principal amount, expressed annually.
[/et_pb_accordion_item][et_pb_accordion_item title=”Interest” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The cost of borrowing money, typically expressed as a percentage of the loan amount.
[/et_pb_accordion_item][et_pb_accordion_item title=”Property Taxes” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Taxes levied by local governments on property owners, based on the assessed value of the property.
[/et_pb_accordion_item][et_pb_accordion_item title=”Principal” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The original amount of money borrowed in a loan, excluding interest.
[/et_pb_accordion_item][et_pb_accordion_item title=”Loan To Value Ratio – LTV” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The ratio of the loan amount to the appraised value of the property, expressed as a percentage.
[/et_pb_accordion_item][et_pb_accordion_item title=”Homeowner’s Insurance ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Insurance coverage that protects against financial losses due to damage or destruction of a home and its contents.
[/et_pb_accordion_item][et_pb_accordion_item title=”Debt To Income Ratio – DTI ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A financial ratio calculated by dividing a borrower’s total monthly debt payments by their gross monthly income, used by lenders to assess a borrower’s ability to manage additional debt.
[/et_pb_accordion_item][et_pb_accordion_item title=”Credit Score ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A numerical representation of a borrower’s creditworthiness, based on their credit history and financial behavior.
[/et_pb_accordion_item][et_pb_accordion_item title=”Underwriting” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The process of evaluating a borrower’s creditworthiness and risk factors to determine whether to approve a loan application.
[/et_pb_accordion_item][et_pb_accordion_item title=”Loan Officer” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A professional who assists borrowers in obtaining loans, typically employed by a bank or mortgage company.
[/et_pb_accordion_item][et_pb_accordion_item title=”Loan” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Money borrowed from a lender, to be repaid with interest over time.
[/et_pb_accordion_item][et_pb_accordion_item title=”Underwriter” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A person who assesses the risk of lending money and determines whether to approve or deny a loan application.
[/et_pb_accordion_item][et_pb_accordion_item title=”Mortgage Broker” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A licensed professional who connects borrowers with lenders and helps facilitate the mortgage application process.
[/et_pb_accordion_item][et_pb_accordion_item title=”Points” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Upfront fees paid to a lender at closing in exchange for a lower interest rate on a mortgage loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Mortgage Banker ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A financial institution that originates and funds mortgage loans.
[/et_pb_accordion_item][et_pb_accordion_item title=”Down Payment” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A portion of the home’s purchase price paid upfront by the buyer, typically expressed as a percentage of the total purchase price.
[/et_pb_accordion_item][et_pb_accordion_item title=”Amortization” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The process of paying off a loan over time through regular payments, which include both principal and interest.
[/et_pb_accordion_item][et_pb_accordion_item title=”Borrower” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The individual or entity that receives funds from a lender and is obligated to repay the loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Escrows” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
An arrangement in which a neutral third party holds funds or documents on behalf of two parties involved in a transaction, such as the purchase of a home.
[/et_pb_accordion_item][et_pb_accordion_item title=”Escrow Account” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
An account held by a third party where funds are held until certain conditions are met, such as the closing of a real estate transaction.
[/et_pb_accordion_item][et_pb_accordion_item title=”Equity” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The difference between the fair market value of a property and the outstanding balance on the mortgage loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Fixed Rate Mortgage” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage with a constant interest rate for the entire term of the loan, providing stability in monthly payments.
[/et_pb_accordion_item][et_pb_accordion_item title=”Lender” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The financial institution or individual that provides funds to a borrower in the form of a loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Adjustable Rate Mortgage – ARM” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage with an interest rate that can change periodically based on market conditions, typically with an initial fixed-rate period followed by adjustable rates.
[/et_pb_accordion_item][et_pb_accordion_item title=”Prequalification – Prequalified” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
An initial evaluation by a lender to estimate how much a borrower may be eligible to borrow, based on self-reported financial information.
[/et_pb_accordion_item][et_pb_accordion_item title=”Recast – Re-cast” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The process of adjusting the monthly payment on a mortgage loan, typically after a large principal payment.
[/et_pb_accordion_item][et_pb_accordion_item title=”Pre-approval Letter – PAL ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A letter from a lender indicating that a borrower is pre-approved for a mortgage loan, based on their credit and financial information.
[/et_pb_accordion_item][et_pb_accordion_item title=”Pre-approval ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A preliminary assessment by a lender indicating the amount a borrower can borrow based on income, credit history, and other factors.
[/et_pb_accordion_item][et_pb_accordion_item title=”Negative Amortization” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A preliminary assessment by a lender indicating the amount a borrower can borrow based on income, credit history, and other factors.
[/et_pb_accordion_item][et_pb_accordion_item title=”Property Type” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The classification of real estate, such as single-family home, condominium, or multi-family dwelling.
[/et_pb_accordion_item][et_pb_accordion_item title=”Investment Property” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Real estate purchased with the intention of generating income or profit through rental income or capital appreciation.
[/et_pb_accordion_item][et_pb_accordion_item title=”Primary Residence ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The main home where a person resides.
[/et_pb_accordion_item][et_pb_accordion_item title=”Single Family Home ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A standalone residential dwelling designed for one family.
[/et_pb_accordion_item][et_pb_accordion_item title=”Second Home” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A property used as a vacation home or secondary residence.
[/et_pb_accordion_item][et_pb_accordion_item title=”Occupancy” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The status of a property as either owner-occupied, tenant-occupied, or vacant.
[/et_pb_accordion_item][et_pb_accordion_item title=”Planned Unit Development – PUD ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A type of residential development with a combination of housing types and shared common areas.
[/et_pb_accordion_item][et_pb_accordion_item title=”Contingency” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A condition that must be met for a real estate contract to be binding.
[/et_pb_accordion_item][et_pb_accordion_item title=”Appraisal” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A professional assessment of the value of a property, typically conducted by a licensed appraiser.
[/et_pb_accordion_item][et_pb_accordion_item title=”Purchase Agreement – Purchase Contract” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A legally binding agreement between a buyer and seller outlining the terms and conditions of a property sale.
[/et_pb_accordion_item][et_pb_accordion_item title=”Condominium – Condo” _builder_version=”4.9.0″ _module_preset=”default” title__hover_enabled=”off|desktop” open=”off”]
A type of housing where individual units are owned by residents, with shared ownership of common areas.
[/et_pb_accordion_item][et_pb_accordion_item title=”Temporary Rate Buydown” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A temporary reduction in the interest rate of a mortgage loan, usually paid for by the seller.
[/et_pb_accordion_item][et_pb_accordion_item title=”Title Company” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A company that ensures a property has a clear title and handles the transfer of ownership during a real estate transaction.
[/et_pb_accordion_item][et_pb_accordion_item title=”Deed” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A legal document that transfers ownership of real estate from one party to another.
[/et_pb_accordion_item][et_pb_accordion_item title=”Permanent Rate Buydown” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A permanent reduction in the interest rate of a mortgage loan, typically paid for by the borrower.
[/et_pb_accordion_item][et_pb_accordion_item title=”Title Insurance ” _builder_version=”4.9.0″ _module_preset=”default” title__hover_enabled=”off|desktop” open=”off”]
Insurance coverage that protects against financial losses due to defects in the title of a property, such as liens or ownership disputes.
[/et_pb_accordion_item][et_pb_accordion_item title=”Recording Fees” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Fees paid to a government agency for recording a real estate transaction in public records.
[/et_pb_accordion_item][et_pb_accordion_item title=”Lender Credits ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Money paid by a lender to cover some or all of a borrower’s closing costs.
[/et_pb_accordion_item][et_pb_accordion_item title=”Title” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Legal ownership of a property.
[/et_pb_accordion_item][et_pb_accordion_item title=”Forbearance ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A temporary pause or reduction in mortgage payments granted by a lender to a borrower facing financial hardship.
[/et_pb_accordion_item][et_pb_accordion_item title=”Foreclosure ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The legal process by which a lender repossesses a property due to default on the mortgage loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Seller Concessions – Seller Credits ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Contributions made by the seller to cover the buyer’s closing costs or other expenses.
[/et_pb_accordion_item][et_pb_accordion_item title=”Rate Lock” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
An agreement between the borrower and lender to fix the interest rate on a mortgage loan for a specified period, typically until closing.
[/et_pb_accordion_item][et_pb_accordion_item title=”Locked In ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The process of securing a specific interest rate for a mortgage loan for a set period of time.
[/et_pb_accordion_item][et_pb_accordion_item title=”Closing Disclosure” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A document provided to the borrower by the lender before closing, detailing the final terms and costs of the mortgage loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Initial Disclosures” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Documents provided to a borrower outlining the terms and costs of a mortgage loan shortly after application.
[/et_pb_accordion_item][et_pb_accordion_item title=”Cash Out Refinance ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Refinancing a mortgage loan for more than the current balance, with the borrower receiving the difference in cash.
[/et_pb_accordion_item][et_pb_accordion_item title=”Term” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The length of time over which a loan must be repaid, typically expressed in years.
[/et_pb_accordion_item][et_pb_accordion_item title=”Rate and Term Refinance ” _builder_version=”4.9.0″ _module_preset=”default” title__hover_enabled=”off|desktop” open=”off”]
Refinancing a mortgage loan to change the interest rate, term, or other terms of the loan without cashing out equity.
[/et_pb_accordion_item][et_pb_accordion_item title=”Limited Cash Out Refinance ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Refinancing a mortgage loan for an amount that is not significantly greater than the existing loan balance, with some cash being taken out.
[/et_pb_accordion_item][et_pb_accordion_item title=”Broker Compensation” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The fees or commissions paid to a mortgage broker for arranging a loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Origination ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The process of initiating a mortgage loan, including application, processing, and underwriting.
[/et_pb_accordion_item][et_pb_accordion_item title=”Conventional Loan ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage not insured or guaranteed by a government agency, such as Fannie Mae or Freddie Mac.
[/et_pb_accordion_item][et_pb_accordion_item title=”VA Loan – Veteran’s Administration Loan” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage guaranteed by the U.S. Department of Veterans Affairs (VA), available to eligible veterans, active-duty service members, and certain spouses.
[/et_pb_accordion_item][et_pb_accordion_item title=”FHA Loan – Federal Housing Administration Loan” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage insured by the Federal Housing Administration (FHA), typically offering more flexible qualification requirements and lower down payment options.
[/et_pb_accordion_item][et_pb_accordion_item title=”USDA Loan – United States Department of Agriculture Loan” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage insured by the U.S. Department of Agriculture (USDA), available to eligible borrowers in rural and suburban areas.
[/et_pb_accordion_item][et_pb_accordion_item title=”QM – Qualified Mortgage ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage loan that meets certain standards to ensure the borrower’s ability to repay.
[/et_pb_accordion_item][et_pb_accordion_item title=”Non QM ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage loan that does not meet the standards of a qualified mortgage.
[/et_pb_accordion_item][et_pb_accordion_item title=”Mobile Home” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A prefabricated home that can be moved to different locations.
[/et_pb_accordion_item][et_pb_accordion_item title=”Manufactured Home ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A factory-built home constructed according to federal building codes.
[/et_pb_accordion_item][et_pb_accordion_item title=”Mortgage Servicer” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The entity responsible for collecting mortgage payments from borrowers and managing the loan account.
[/et_pb_accordion_item][et_pb_accordion_item _builder_version=”4.9.0″ _module_preset=”default” open=”off”][/et_pb_accordion_item][et_pb_accordion_item title=”Under Contract ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A phase in the home buying process where a buyer and seller have agreed on the terms of the sale, but the sale has not yet been finalized.
[/et_pb_accordion_item][et_pb_accordion_item title=”Closing” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The final step in the home purchase process, where legal documents are signed, and ownership of the property is transferred from seller to buyer.
[/et_pb_accordion_item][et_pb_accordion_item title=”Inspection – Home Inspection” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A thorough examination of a property’s condition, typically conducted by a professional inspector, to identify any issues or defects.
[/et_pb_accordion_item][et_pb_accordion_item title=”Appraisal Contingency ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A clause in a purchase contract that allows the buyer to back out of the sale if the property does not appraise for at least the agreed-upon purchase price.
[/et_pb_accordion_item][et_pb_accordion_item title=”Financing Contingency” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A clause in a purchase contract stating that the sale is contingent on the buyer obtaining financing.
[/et_pb_accordion_item][et_pb_accordion_item title=”Option Period” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A specified period during which a buyer can cancel a contract without penalty.
[/et_pb_accordion_item][et_pb_accordion_item title=”Good Faith Estimate” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
An estimate provided by a lender to a borrower outlining the expected costs and terms of a mortgage loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Loan Estimate ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A form provided to a borrower by a lender outlining the estimated terms and costs of a mortgage loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”High Balance Loan” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage loan that exceeds the conforming loan limits set by government-sponsored enterprises.
[/et_pb_accordion_item][et_pb_accordion_item title=”Jumbo Loan ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, typically used for high-value properties.
[/et_pb_accordion_item][et_pb_accordion_item title=”Down Payment Assistance ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
Financial assistance provided to help homebuyers cover a portion of their down payment or closing costs.
[/et_pb_accordion_item][et_pb_accordion_item title=”Amortization Schedule” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A table showing the breakdown of each mortgage payment, including the portion allocated to principal and interest over the life of the loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Reverse Mortgage” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A type of loan available to homeowners age 62 and older, allowing them to convert part of their home equity into cash without selling the property.
[/et_pb_accordion_item][et_pb_accordion_item title=”Second Mortgage” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A subordinate mortgage taken
[/et_pb_accordion_item][et_pb_accordion_item title=”Lien” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A legal claim against a property as security for a debt.
[/et_pb_accordion_item][et_pb_accordion_item title=”Lien Position” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The priority of a lien in relation to other liens on a property.
[/et_pb_accordion_item][et_pb_accordion_item title=”HELOC – Home Equity Line of Credit” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A line of credit secured by the equity in a home.
[/et_pb_accordion_item][et_pb_accordion_item title=”Balloon” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage loan with a large final payment due at the end of the loan term.
[/et_pb_accordion_item][et_pb_accordion_item title=”Conforming ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage loan that meets the guidelines set by government-sponsored enterprises.
[/et_pb_accordion_item][et_pb_accordion_item title=”Interest Only ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A mortgage loan where the borrower only pays interest for a specified period, with principal payments deferred.
[/et_pb_accordion_item][et_pb_accordion_item title=”Settlement Statement ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A document provided to parties in a real estate transaction outlining all costs and fees involved in the closing.
[/et_pb_accordion_item][et_pb_accordion_item title=”Real Estate Agent – Realtor” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A licensed professional who represents buyers or sellers in real estate transactions.
[/et_pb_accordion_item][et_pb_accordion_item title=”Payment ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The amount of money due on a mortgage loan each month, including principal and interest.
[/et_pb_accordion_item][et_pb_accordion_item title=”Mortgage Statement ” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
A monthly statement provided by the lender to the borrower outlining the details of the mortgage loan.
[/et_pb_accordion_item][et_pb_accordion_item title=”Payoff – Mortgage Payoff” _builder_version=”4.9.0″ _module_preset=”default” open=”off”]
The total amount required to fully satisfy a mortgage loan.
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