Homeowner Education

The latest news, tips, and tricks for homeowners

Discount Point

A discount point is a sum of money paid by the borrower or home buyer to the lender of the mortgage to decrease the interest

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Distressed Property

Distressed property is any property that is under foreclosure or being sold by the lender. Normally, a distressed property is a result of a homeowner

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Credit Agreement

A credit agreement is a legally binding contract made between a person who borrows money and the lender. It is agreed upon by both parties

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Covenant Lite Loan

A covenant lite loan is a loan agreement that has fewer covenants to protect the lender and fewer restrictions on the borrower regarding payment terms,

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Cooperative Mortgage

A cooperative mortgage is a type of loan that allows the borrower to purchase shares of a cooperative housing project. In this type of mortgage,

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Conversion Clause

A conversion clause is a provision that may appear in an adjustable-rate mortgage, allowing the loan to be changed to a fixed-interest rate loan, usually

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Convertible Mortgage

A convertible mortgage is an adjustable-rate loan that gives the borrower the option to convert the loan to a fixed-rate mortgage. This type of mortgage

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Construction Loan

A construction loan is a short-term, interim loan to pay for building a house. As work progresses, the lender pays out the money in stages,

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