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SAFE ACT TEST > Glossary > Flashcards

Glossary Flashcards

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1
Q

Acceleration Clause

A

A clause in a mortgage or deed of trust that allows the lender to demand immediate repayment of the balance of a loan under certain conditions, such as default by the borrower.

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2
Q

Adjustable Rate Mortgage (ARM)

A

Mortgage in which the rate is adjusted periodically based on a pre-determined margin, index and adjustment interval.

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3
Q

Adjustment Interval

A

The period elapsing between adjustment dates for an ARM aka: Adjustment period, change frequency.

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4
Q

Adjustments (In Appraisal)

A

The dollar value that is added to or subtracted from the sale price of a comparable property used to provide an indication of value of the subject property.

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5
Q

Adverse Action

A

A refusal to grant credit as requested; a termination of an account or an unfavorable change in the terms of an account; or a refusal to increase the amount of credit available to a person who has applied for an increase.

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6
Q

Agency

A

Legal relationship created by law/contract in which the agent performs certain acts on behalf of the principal.

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7
Q

Air Loan

A

An instance where a fictitious borrower obtains a mortgage loan “secured” by fictitious property.

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8
Q

Amortization

A

Scheduling the periodic payments on a loan so that each installment requires enough principal an interest to ensure complete repayment of the loan by the end of its term.

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9
Q

Amortization Schedule

A

A table showing the portion of each payment that will be applied to interest and to principal, and the remaining balance.

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10
Q

Annual Mortgage Insurance Premium (Annual MIP)

A

A fee paid for mortgage insurance on an FHA-insured loan. Annual MIP is paid on a monthly basis.

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11
Q

Annual Percentage Rate

A

Measurement of the loan cost, including interest and financed costs of closing, expressed as a yearly percentage rate.

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12
Q

Annuity

A

Payments made at specified intervals, such as with insurance contracts or certain types of investments.

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13
Q

Appraisal

A

An opinion of the fair market value of a property, based on analysis of the property aka: Valuation

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14
Q

Appraised Value

A

An estimate of the fair market value of real or personal property.

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15
Q

Appreciation

A

An increase in the value of property that occurs over time.

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16
Q

APR Threshold

A

One of several standards used to identify high-cost mortgage loans. If the APR of a loan meets or exceeds the threshold established under the law, the loan qualifies as a high-cost mortgage and must comply with corresponding regulations.

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17
Q

Asset

A

Things that a person owns and that can be converted to cash, such as property, investments, savings, etc.

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18
Q

Assignment

A

The transfer of the rights and obligations under a mortgage loan from one person to another.

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19
Q

Assumability Clause

A

A provision in a mortgage loan that allows for the transfer of the mortgage from one party to another.

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20
Q

Assumable Mortgage

A

A mortgage that a seller can transfer to a new buyer, with the buyer taking over the payments of the existing mortgage.

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21
Q

Average Prime Offer Rate (APOR)

A

An annual percentage rate based on average interest rates, fees, and other terms that are offered to qualified borrowers. The APOR is used as a benchmark rate in identifying high-cost loans and higher-priced loans under federal law.

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22
Q

Back-End Ratio

A

Comparison of a person’s total monthly obligations to his or her gross monthly income aka: Total Debt Ratio.

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23
Q

Balloon Mortgage

A

Mortgage with periodic payments including a scheduled payment, usually the final payment, that is considerably larger than preceding payments.

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24
Q

Balloon Payment

A

A scheduled payment (often the final payment) that is more than twice the amount of other average scheduled loan payments.

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25
Q

Basis Point

A

One 100th of 1% of the loan amount (0.0001 x loan amount = 1 basis point).

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26
Q

Bi-Weekly Payment Mortgage

A

A plan to reduce debt by making payments every two weeks instead of every month.

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27
Q

Bona Fide

A

In good faith and without fraud.

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28
Q

Borrower Credit

A

Credits at closing that are subtracted from the final closing costs.

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29
Q

Bridge Loan

A

Short-term loan collateralized by the present home and used to close on a new house before the present home is sold.

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30
Q

CAPS (FOR ARMS)

A

Limitations on the amount by which the rate or payment on an ARM may change. There are four caps in common use.

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31
Q

Initial Rate Cap

A

Limit on the amount by which the rate can increase during the first adjustment period for an ARM.

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32
Q

Periodic Rate Cap

A

Limit on the amount by which a rate can change during any adjustment periods.

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33
Q

Lifetime Rate Cap

A

Limit on the amount by which the rate can change over the life of an ARM aka: Rate Ceiling

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34
Q

Payment Cap

A

Limit on the amount by which the payment can change during an adjustment period.

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35
Q

Certificate of Eligibility

A

The document that qualified veterans must obtain from the VA in order to apply for a VA guaranteed home loan.

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36
Q

Certificate of Reasonable Value (CRV)

A

A statement issued by the VA showing the property’s current market value based on a VA-approved appraisal.

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37
Q

Certificate of Title

A

A statement provided by an abstract company, title company, or attorney, stating that the title of real estate is legally held by the current owner.

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38
Q

Changed Circumstance

A

Acts of God, war, disaster, or other emergency, information particular to the borrower or transaction relied on providing an LE and subsequently found to be inaccurate, new information particular to the borrower/transaction that was not relied on in providing the LE; or other circumstances particular to the borrower/transaction.

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39
Q

Charm Booklet

A

A disclosure booklet used to educate consumers on the risks associated with adjustable rate mortgages.

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40
Q

Clear Title

A

Generally, a title that is clear of liens, judgements and other encumbrances.

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41
Q

Clerical or Support Duties

A

Receipt, collection, distribution and analysis of information for the processing or underwriting of a mortgage loan.

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42
Q

Closed-End Loan

A

Transaction in which the creditor disburses all funds at closing and demands repayment within a specified time.

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43
Q

Closing

A

Meeting between the buyer, seller and lender, where funds for the purchase of real estate legally change hands.

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44
Q

Closing Disclosure

A

A federal disclosure that provides a statement of the final costs of a mortgage lending transaction.

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45
Q

Cloud on Title

A

An outstanding claim or encumbrance on the title.

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46
Q

Collateral

A

Property pledged as security for a debt.

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47
Q

Combined Loan-To-Value Ratio

A

A comparison, expressed as a percentage, of the combined cost of all mortgages on a home and the value of the home used to secure the loans.

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48
Q

Commitment

A

A pledge or promise; a firm agreement.

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49
Q

Conforming Loan

A

A loan that meets the lending limits and other criteria established by Fannie Mae or Freddie Mac.

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50
Q

Construction Loan

A

An interim loan used to pay for the construction of buildings or homes.

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51
Q

Consumer Reporting Agency (CRA)

A

An organization that prepares reports used by lenders to determine an applicant’s credit history.

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52
Q

Consumation

A

The time at which the consumer becomes contractually obligated by a transaction.

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53
Q

Conventional Loan

A

A mortgage that is not insured by the FHA or guaranteed by the VA or USDA.

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54
Q

Conversion Clause

A

A provision in an ARM allowing the loan to be converted to a fixed rate at some point during its term.

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55
Q

Conveyance

A

The transfer of the title of real estate from one person to another.

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56
Q

Credit Life Insurance

A

A declining term life insurance policy used to ensure repayment of a loan should the borrower die.

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57
Q

Credit Report

A

A report documenting the credit history an current status of a borrower’s credit standing.

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58
Q

Credit Repository

A

An organization that gathers, records, updates and stores financial and public records information about the payment records of individuals who are being considered for credit.

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59
Q

Creditor

A

A person or entity to whom an obligation is owed, such as a loan. See also Lender.

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60
Q

Currency Transaction Report (CTR)

A

A report that must be filed for each transaction in currency of more than $10,000 by or through a bank.

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61
Q

Cursory Inspection

A

An inadequate inspection of property in an attempt to conceal misrepresentations or omissions.

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62
Q

Debt-To-Income Ratio

A

Relationship, expressed as a percentage, between a borrower’s monthly obligations and his/her gross monthly income.

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63
Q

Debtor

A

A person who owes a debt to a creditor or lender. See also Borrower.

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64
Q

Deed

A

A written instrument, properly signed and delivered, that conveys title to real property.

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65
Q

Deed-In-Lieu of Foreclosure

A

An arrangement in which the mortgagor (borrower) conveys all interest in the property to the mortgagee (lender) in an effort to satisfy a loan that is in default and avoid foreclosure proceedings. See also Conveyance, Foreclosure.

66
Q

Deed of Trust

A

In many states, a document that is used in place of a mortgage to secure the payment of a note.

67
Q

Default

A

Failure to meet legal obligations in a contract; specifically, failure to make the monthly payments on a mortgage.

68
Q

Deferred Interest

A

When a mortgage is written with a monthly payment that is less than required to satisfy the note rate, the unpaid interest is deferred by adding it to the loan balance. See also Negative Amortization.

69
Q

Deposit

A

Funds that are given in advance to show committed interest in the purchase of a property. See also Earnest Money.

70
Q

Depreciation

A

A decrease in the value of a property over time.

71
Q

Discount Point

A

A fee paid to a lender at closing and used to prepay a portion of the interest on a loan.

72
Q

Discrimination

A

In mortgage lending, treating an applicant less favorably than other applicants on a prohibitive basis.

73
Q

Do-Not-Call Registry

A

List of consumers who have put their names on the Registry to avoid receiving unwanted commercial communications.

74
Q

Donor

A

In mortgage lending, the term refers to those who make gifts of money for use in the purchase of a home.

75
Q

Down Payment

A

Money that is paid towards the purchase of a home and that is not financed.

76
Q

Dry Settlement

A

A loan settlement in which loan funds are not made available on the same day as closing.

77
Q

Dual Compensation

A

Practice of receiving prohibited compensation from a consumer and a creditor that funds mortgage loans.

78
Q

Due-On-Demand Clause

A

A provision of a mortgage or deed of trust that allows a lender to demand immediate payment of the balance of the loan if specific criteria relating to fraud and misrepresentation are met.

79
Q

Due-On-Scale Clause

A

A provision in a mortgage or deed of trust that allows the lender to demand immediate payment of the balance of the mortgage if the mortgage holder sells the home.

80
Q

Earnest Money

A

Money paid by a buyer to a seller when entering a contract to indicate the buyer’s ability to carry out the contract.

81
Q

Encumbrance

A

A claim against real property, which may affect the ability to transfer ownership of the property.

82
Q

Entitlement

A

The loan amount that the VA guarantees when extending a loan to a veteran.

83
Q

Equity

A

Difference between the fair market value of a property and the current balances of any liens against the property.

84
Q

Equity-Based Lending

A

A lending decision based on the equity on the equity available in the home, rather than on the borrower’s repayment ability.

85
Q

Escrow Account

A

An account held by the lender into which they homebuyer deposits money for taxes and/or insurance payments.

86
Q

Escrow Disbursments

A

Use of escrow funds to pay taxes, hazard insurance, mortgage insurance, and other expenses as they become due.

87
Q

Escrow Payment

A

The part of a mortgagor’s monthly payment that is held by the loan servicer to pay for taxes, hazard insurance, mortgage insurance, and other expenses related to the loan.

88
Q

Federal Home Loan Mortgage Corporation (Freddie Mac)

A

A GSE created by Congress that purchases conforming mortgage loans and resells them in the secondary market.

89
Q

Federal Housing Administration (FHA)

A

A division of the Department of Housing and Urban Development.

90
Q

Federal National Mortgage Association (Fannie Mae)

A

A GSE created by Congress that purchases conforming mortgage loans, as well as those insured by the FHA, and resells them on the secondary market.

91
Q

Fee Simple

A

Form of property rights that when a buyer acquires a property, it includes the land and all improvements to the land.

92
Q

FICO Score

A

Credit score obtained from the use of software developed by Fair Isaac Corporation.

93
Q

Fiduciary Duty

A

Duty of loyalty, good faith, and the obligation to prioritize the interests of the principal over the interests of the agent.

94
Q

Finance Charge

A

Any kind of fees or charges associated with obtaining credit, expressed in a dollar amount.

95
Q

First Mortgage

A

The oldest lien against a property, or the lien with first priority.

96
Q

Fixed-Rate Mortgage

A

A mortgage with an interest rate that will remain the same for the entire term of the loan.

97
Q

Float

A

The opposite of locking an interest rate, waiting to lock an interest rate in anticipation of interest rates falling.

98
Q

Flood Insurance

A

Insurance that compensates for physical property damage resulting from flooding.

99
Q

Forbearance

A

When a lender delays a foreclosure action in order to allow a borrower to make good on overdue payments.

100
Q

Foreclosure

A

Legal process by which a lender forces the sale of a mortgaged property because the borrower has not met the repayment terms of the mortgage.

101
Q

Fraud Alert

A

An alert placed in a consumer’s credit report file at his or her request to notify any user of the information that the consumer is or believed to be a victim of fraud. A fraud alert must be kept in the consumer’s file for one year.

102
Q

Fraud for Housing

A

A type of fraud in which an individual misrepresents his or her employment history, credit history, intention to occupy a property as a primary residence, or income in order to improve his or her chances of securing a mortgage.

103
Q

Fraud for Profit

A

Typically involves the conspiratorial involvement of individuals throughout the mortgage industry, such as bankers, brokers, loan originators, processors, underwriters, appraisers, and others, aka; industry insider fraud.

104
Q

Front-End Ratio

A

Comparison of a person’s income to the monthly housing expenses he/she will be taking on through the mortgage loan.

105
Q

Fully-Amortized ARM

A

ARM with a monthly payment sufficient to amortize the remaining balance of the amortization term.

106
Q

Fully-Indexed Rate

A

In an ARM, the interest rate indicated by adding the current index value and the margin.

107
Q

Funding

A

Funds provided by the lender at settlement. The act of disbursing the cash for a loan.

108
Q

Good Faith Estimate (GFE)

A

Estimate of closing costs that must be given to mortgage applicants within three days after the loan application is complete. Only applicable to transactions not covered by the TRID Rule.

109
Q

Government National Mortgage Association (Ginnie Mae)

A

Agency within HUD which guarantees securities backed by the FHA, VA, or USDA/RHS.

110
Q

Grace Period

A

The period during which one party may fail to perform without being considered in default.

111
Q

Graduated Payment Mortgage (GPM)

A

A type if of flexible-payment mortgage where the payments increase for a specified period of time and then level off.

112
Q

Gross Income

A

For qualifying purposes, the income of the borrower before taxes and expenses are deducted.

113
Q

Hazard Insurance

A

Insurance that indemnifies the insured against fire, burglary, and other specified losses, aka: Homeowners insurance.

114
Q

High-Cost Mortgage

A

A loan that meets or exceeds one or more of several thresholds set forth under the federal Home Ownership and Equity Protection Act (HOEPA). High-cost mortgages are subject to specific requirements under the law.

115
Q

Higher-Priced Mortgage Loan (HPML)

A

A loan that meets or exceeds the threshold set forth under federal law for identifying higher-priced mortgage loans. HPMLs are subject to specific disclosure and appraisal requirements, as well as certain other restrictions.

116
Q

Home Equity Line of Credit (HELOC)

A

A type of loan that establishes a credit line that can be drawn upon until the borrower reaches the maximum limit.

117
Q

HUD-1 Settlement Statement

A

A document, due on the day of closing, that provides an itemized listing of all costs associated with a real estate transaction including the fees of the lender, mortgage broker, and other settlement service providers. Only applicable to certain loan transactions not covered by the TRID Rule.

118
Q

Identity Theft

A

The fraudulent use of another individual’s personal identifying information without his or her knowledge or consent.

119
Q

Index

A

Published rate that, when combined with a margin, is used as the basis upon which the note rate of ARM will adjust.

120
Q

Installment

A

The regular periodic payment that a borrower agrees to make to a lender.

121
Q

Interest

A

The fee charged for borrowing money.

122
Q

Interest Only (I-O)

A

Program in which payments are directed only toward the interest due on the loan, and are not used to repay principal.

123
Q

Interest Rate Buydown Plan

A

Deposited money is released each month to reduce the monthly payments during the early years of a mortgage.

124
Q

Interim Financing

A

Short-term financing made to cover costs while waiting for the requirements of a permanent loan to be met.

125
Q

Joint Tenancy

A

An arrangement in which two or more people hold equal ownership of a property, and the interest of any deceased tenant(s) is subsequently transferred to the surviving tenant(s).

126
Q

Judicial Foreclosure

A

A foreclosure process that is initiated by the lender filing a suit in a court of law. See also Lien Theory State.

127
Q

Jumbo Loan

A

A loan that exceeds the lending limits established by Fannie Mae and Freddie Mac for conforming loans.

128
Q

Junior Mortgage

A

A mortgage that is subordinate to the claims or lien positions of other mortgages recorded against a property.

129
Q

Kickback

A

The payment of money or a thing of value as compensation or reward for completing certain actions.

130
Q

Leasehold

A

When a buyer acquires leasehold property, they purchase the improvements but lease the land for a certain term. At the end of the term, they may have the opportunity to purchase the land or renew the lease.

131
Q

Lender

A

An entity that makes funds available for others to borrow, see Creditor.

132
Q

Lender’s Title Insurance

A

Insurance that protects the lender against loss from title defects or liens that should have been cleared prior to issuance of a title policy.

133
Q

Liabilities

A

A person’s financial obligations. Liabilities include both long and short-term debt.

134
Q

Liability Insurance

A

Part of a homeowner’s insurance policy that covers bodily injury or property damage occurring on the homeowner’s property as a result of negligence.

135
Q

Liar Loan

A

Fraudulent loan transaction in which the applicant inflates, enhances, or misrepresents qualifying information.

136
Q

Lien

A

A claim upon a piece of property for the payment or satisfaction of a debt or obligation.

137
Q

Lien Theory State

A

States in which mortgages are secured by a lien.

138
Q

Loan

A

A sum of borrowed money (principal), generally repaid with interest.

139
Q

Loan Application Register (LAR)

A

The form that is used for reporting data required to be collected under the Home Mortgage Disclosure Act.

140
Q

Loan Estimate

A

A federal disclosure that must be provided to loan applicants no more than three business days after receiving the completed application. This disclosure provides an estimate of the costs of the loan for which the borrower has applied.

141
Q

Loan Flipping

A

The repeated refinancing of the same loan within a short period of time.

142
Q

Loan Modification

A

A permanent change in the terms of a loan in response to the borrower’s long-term in ability to make payments.

143
Q

Loan Originator

A

Generally, an individual that arranges funding or negotiates mortgage loans for a potential borrower.

144
Q

Loan-To-Value Ratio (LTV)

A

Relationship between the amount of the loan and the lower of the appraised value of the property or the purchase price.

145
Q

Lump Sum

A

A single disbursement of the total amount due.

146
Q

Mandatory Arbitration Agreement

A

Contract provision that requires all parties to submit to arbitration to resolve disputes instead instead of seeking of seeking action in court.

147
Q

Margin

A

The amount that a lender adds to the index on an ARM to establish the adjusted interest rate.

148
Q

Markup

A

Service provider increases the charges of another provider collected from a borrower, then retains the additional fees.

149
Q

Maturity

A

The date on which the principal balance of a loan becomes due and payable.

150
Q

Money Laundering

A

The process of using financial transactions to distance illegally-obtained funds from their original, unlawful source.

151
Q

Mortgage

A

A legal document that pledges a property to the lender as security for repayment of a debt.

152
Q

Mortgagee

A

The lender

153
Q

Mortgage Assistance Relief Service (MARS)

A

Services offered, in exchange for compensation, to assist in stopping foreclosure or repossession of a dwelling.

154
Q

Mortgage Backed Security (MBS)

A

A group of loans that have been bundled together for sale in the secondary mortgage market.

155
Q

Mortgage Banker

A

Generally, an entity that makes and funds mortgages, services mortgages, and sells mortgages in the secondary market.

156
Q

Mortgage Broker

A

Generally, an individual or entity that arranges funding or negotiates mortgage loans for a potential borrower.

157
Q

Mortgage Insurance Premium (MIP)

A

Fee paid by borrowers for mortgage insurance on an FHA loan.

158
Q

Mortgagor

A

The borrower.

159
Q

Negative Amortization

A

Amortization method in which the monthly payments are not large enough to pay all of the interest due on the loan. This unpaid interest is then added to the balance of the loan, causing the balance to increase overtime.

160
Q

Net Present Value Test (NPV Test)

A

Allows lenders/servicers to determine if it is more profitable to allow a loan modification or proceed with foreclosure.

161
Q
A

SAFE ACT TEST (1 decks)

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