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Unit 16: Real Estate Financing Practice > Key Terms > Flashcards

Key Terms Flashcards

1
Q

The Fed

A

Federal Reserve System

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2
Q

The short term interest rate charged to a bank’s largest, most creditworthy customers

A

Prime Rate

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3
Q

The ___ is made up of lenders that originate mortgage loans

A

Primary mortgage market

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4
Q

The mortgage market in which loans are originated, consisting of lenders such as commercial banks, savings and loan associations, and mutual savings banks

A

Primary mortgage market

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5
Q

Institutions known as fiduciary lenders because of their fiduciary obligations to protect and preserve their depositors’ funds

A

Thrifts, savings associations, and commercial banks

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6
Q

Accumulate large sums of money from the premiums paid by their policyholders

A

Insurance companies

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7
Q

Insurance companies hold ___ of the money accumulated from premiums in reserve to ___ and cover ____.

A

part
satisfy claims
operating expenses

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8
Q

In addition to holding part of the money in reserve to satisfy claims and cover operating expenses, much of the money accumulated by insurance companies through premiums is free to be ___.

A

invested

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9
Q

In addition to holding part of the money in reserve to satisfy claims and cover operating expenses, much of the money accumulated by insurance companies through premiums is free to be invested in ___ such as ___.

A

Profit earning enterprises
Long term real estate loans

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10
Q

Cooperative organizations whose members place money in savings accounts.

A

Credit unions

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11
Q

Credit unions routinely originate longer term ___, ___, and ___ loans

A

first mortgage, second mortgage, and deed of trust

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12
Q

___ usually have large amounts of money available for investment.

A

Pension funds

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13
Q

Because of the comparatively high yields and low risks offered by mortgages, ___ have begun to participate actively in financing real estate projects.

A

Pension funds

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14
Q

Most real estate activities for pension funds are handled through ___ and ___.

A

Mortgage bankers
Mortgage brokers

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15
Q

Many commercial banks and mortgage bankers handle investments for ___.

A

Endowment funds

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16
Q

The ___ of hospitals, universities, colleges, charitable foundations, and other institutions provide a good source of financing for low risk commercial and industrial properties

A

Endowments

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17
Q

Large real estate projects, such as highrise apartment buildings, office complexes, and shopping centers, are often financed as joint ventures through ___ arrangements like syndicates, limited partnerships, and real estate investment trusts

A

Investment group financing

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18
Q

___ originate mortgage loans with money belonging to insurance companies, pension funds, and individuals with funds of their own.

A

Mortgage banking companies

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19
Q

___ make real estate loans with the intention of selling them to investors and receiving a fee for servicing the loans

A

Mortgage banking companies

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20
Q

Mortgage banking companies make real estate loans with the intention of selling them to ___ and receiving a(n) ___ for servicing the loans

A

Investors
Fee

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21
Q

Mortgage banking companies make real estate loans with the intention of selling them to investors and receiving a fee for ___.

A

servicing the loans

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22
Q

Mortgage brokers are NOT ___.

A

lenders

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23
Q

___ are intermediaries who bring borrowers and lenders together

A

Mortgage brokers

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24
Q

___ locate potential borrowers, process preliminary loan applications, and submit the applications to lenders for final approval.

A

Mortgage brokers

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25
Q

Mortgage brokers do not ___ loans once they are made

A

Service

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26
Q

The ___ requires that each individual state must license and register mortgage loan originators.

A

Federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act)

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27
Q

SAFE Act

A

Federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008

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28
Q

Anyone who, for compensation or expectation of compensation, takes a residential mortgage loan by phone or in person

A

Mortgage Loan Originator

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29
Q

A market for the purchase and sale of existing mortgages, designed to provide greater liquidity for mortgages

A

Secondary Mortgage Market

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30
Q

In the ___, various agencies purchase existing mortgages from banks and savings associations and assemble those mortgages into packages called blocks or pools.

A

Secondary mortgage market

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31
Q

In the secondary mortgage market, various agencies purchase ___ from banks and savings associations.

A

Existing mortgages

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32
Q

In the secondary mortgage market, various agencies purchase existing mortgages from ___ and ___.

A

Banks and savings associations

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33
Q

In the secondary mortgage market, ___ are assembled into packages called blocks or pools.

A

existing mortgages

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34
Q

In the secondary mortgage market, existing are assembled into packages called ___ or ___.

A

Blocks or pools

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35
Q

Allows for the resupply of funds for lending to the primary mortgage market

A

Secondary Mortgage Market

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36
Q

Usually called Fannie Mae

A

Federal National Mortgage Association

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37
Q

A quasi-government agency established to purchase any kind of mortgage loans in the secondary mortgage market from the primary lenders

A

Fannie Mae

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38
Q

___ deals in conventiaonal, FHA, and VA loans.

A

Fannie mae

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39
Q

Fannie Mae buys a pool of mortgages from a lender, and that pool may then be used as collateral for ___ that are sold on the global market.

A

Mortgage-backed securities

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40
Q

___ define loans that are conforming

A

Fannie Mae / Fredie Mac Conforming Loan Limits (2023)

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41
Q

Usually called Ginnie Mae

A

Government National Mortgage Association

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42
Q

Administers special assistance programs and guarantees mortgage backed securities using FHA and VA loans as collateral

A

Ginnie Mae

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43
Q

Ginne Mae administers special assistance programs and guarantees mortgage backed securities using ___ and ___ loans as collateral

A

FHA and VA

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44
Q

The Ginnie Mae ___ is a security interest in a pool of mortgages that provides for a monthly pass through of principal and interest payments directly to the certificate holder.

A

pass-through certificate

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45
Q

Ginnie Mae pass-through certificates are __ by Ginnie Mae

A

Guaranteed

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46
Q

Usually called Freddie Mac

A

Federal Home Loan Mortgage Corporation

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47
Q

Government sponsored enterprise that provides a secondary market primarily for conventional loans

A

Freddie Mac

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48
Q

Corporation established to purchase primarily conventional mortgage loans in the secondary mortgage market.

A

Freddie Mac

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49
Q

Also called an interest-only loan

A

Straight loan

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50
Q

Also called a term loan

A

straight loan

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51
Q

A loan in which only interest is paid during the term of the loan, with the entire principal amount due with the final interest payment

A

Straight loan

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52
Q

A nonamortized loan that essentially divides the loan into 2 amounts to be paid off separately

A

Straight loan

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53
Q

Also called a direct reduction loan

A

Amortized loan

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54
Q

A loan in which the principal as well as the interest is payable in monthly or other periodic installments over the term of the loan

A

Amortized loan

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55
Q

Unlike a straight loan, a(n) ___ loan partially pays off both principal and interest

A

Amortized

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56
Q

Most mortgage and deed of trust loans are ___ loans.

A

Amortized

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57
Q

Regular periodic payments are made over a term of years, generally 15 or 30 years, and at the end of the term, the full amount of principal and interest due is reduced to 0.

A

Amortized loan

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58
Q

Also called a level-payment loan

A

Fully amortized loan

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59
Q

Under a(n) ___, the mortgagor pays a constant amount, usually monthly. The lender credits each payment first to the interest due, then the principal amount of the loan. As a result, while each payment remains the same, the portion applied to repayment of the principal grows.

A

Fully amortized loan

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60
Q

The most frequently used amortized loan plan is the ___.

A

Fully amortized loan

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61
Q

In a fully amortized loan, while each payment remains the same, the portion applied to repayment of the principal ___, and the interest due ___ as the unpaid balance of the loan is reduced

A

Principal Grows
Interest declines

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62
Q

A fully amortized loan benefits the borrower because they pay less ___ if the ___ is paid off before the end of its term.

A

Less interest
Principal

63
Q

Generally originate at one rate of interest, then fluctuate up or down during the loan term, based on some objective economic indicator

A

Adjustable rate mortgages

64
Q

A loan characterized by a fluctuating interest rate, usually one tied to a bank or savings and loan association cost-of-funds index

A

Adjustable Rate Mortgage (ARM)

65
Q

Component of an ARM: The ___ is an undeterminable economic indicator that is used to adjust the interest rate in the loan. Most are tied to US Treasury securities.

A

Index

66
Q

Component of an ARM: the interest rate is usually the index rate plus a premium called the ___. It represents the lender’s cost of doing business.

A

Margin

67
Q

Component of an ARM: ___ limit the amount the interest rate may change.

A

Rate Caps

68
Q

Most ARMS have 2 types of rate caps called ___ and ___

A

Periodic
Aggregate

69
Q

Component of an ARM: A(n) ___ rate cap limits the amount the rate may increase at any one time.

A

Periodic

70
Q

Component of an ARM: A(n) ___ rate cap limits the amount the rate may increase over the entire life of the loan.

A

Aggregate

71
Q

Component of an ARM: The mortgagor is protected from unaffordable individual payments by the ___, which sets a maximum amount for payments

A

payment cap

72
Q

Component of an ARM: The ___ establishes how often the rate may be changed, whether it is monthly, quarterly, or annually

A

Adjustment period

73
Q

Component of an ARM: Lenders may offer a(n) ___, which permits the mortgagor to convert from an adjustable-rate to a fixed-rate loan at certain intervals during the life of the mortgage

A

Conversion option

74
Q

A final payment of a mortgage loan that is considerably larger than the required periodic payments because the loan amount was not fully amortized

A

Balloon payment

75
Q
A
76
Q

A balloon loan is a partially amortized loan because ___ is still owed at the end of the term.

A

principal

77
Q

Is a lender legally obligated to grant the extension of a balloon payment for another limited term if payments are made promptly?

A

No

78
Q

Also called a rapid payoff mortgage

A

Growing Equity Mortgage (GEM)

79
Q

A loan in which the monthly payments increase annually, with the increased amount being used to directly reduce the principal balance outstanding and thus shorten the overall term of the loan

A

Growing Equity Mortgage (GEM)

80
Q

A(n) ___ is most frequently used when the borrower’s income is expected to keep pace with the increasing loan payments.

A

Growing equity mortgage (GEM)

81
Q

A loan under which the homeowner receives monthly payments based on her accumulated equity rather than a lump sum. It must be repaid at a prearranged date or on the death of the owner or sale of the property.

A

Reverse mortgage

82
Q

Allows people 62 or older to borrow money against the equity they have built in their home

A

Reverse mortgage

83
Q

___ mortgages are the opposite of conventional mortgages in that the homeowner’s equity diminishes as the loan amount increases

A

Reverse

84
Q

Loan in which the borrower is not held personally responsible for the loan. Lender has no recourse against the borrower personally in the event of a default. Common in situations where the lender is highly confident that the value of the property involved is itself sufficient security. More common in commercial and investment transactions.

A

Nonrecourse loans

85
Q

Mortgage loans are generally classified based on their ___.

A

Loan-to-value (LTV) ratios

86
Q

The relationship between the amount of the mortgage loan and the value of the real estate being pledged as collateral

A

Loan-to-value (LTV) ratio

87
Q

The ___ is the ratio of debt to value of the property (sale price or appraisal value, whichever is less)

A

Loan-to-value ratio

88
Q

The Loan-to-value ratio is the ratio of debt to value of the property (sale price or appraisal value, whichever is ___)

A

Less

89
Q

The Loan-to-value ratio is the ratio of debt to value of the property (___ or ___, whichever is less)

A

sale price or appraisal value

90
Q

___ loans are viewed as the most secure loans because their LTV ratios are often lowest.

A

Conventional

91
Q

Conventional loans are viewed as the most secure loans because their ___ are often lowest

A

LTV Ratios

92
Q

A loan that requires no government insurance or guarantee

A

Conventional loan

93
Q

Insurance provided by a private carrier that protects a lender against a loss in the event of a foreclosure and deficiency

A

Private Mortgage Insurance (PMI)

94
Q

In a(n) ___ program, the borrower purchases an insurance policy that provides the lender with funds in the event the borrower defaults on the loan.

A

Private Mortgage Insurance (PMI)

95
Q

A(n) ___ program allows the lender to assume more risk so that the LTV ratio is higher than for other conventional loans.

A

Private mortgage insurance (PMI)

96
Q

A loan insured by the Federal Housing Administration and made by an approved lender in accordance with their regulations

A

FHA Loan

97
Q

The FHA insurance provides ___ to the lender in addition to real estate

A

Security

98
Q

As with PMI, the FHA ___ lenders against loss from borrower default

A

Insures

99
Q

A borrower is charged a(n) ___ for all FHA Loans

A

Mortgage Insurance premium (MIP)

100
Q

An up-front premium charged at closing for all FHA loans

A

Mortgage Insurance Premium (MIP)

101
Q

The up-front premium for a mortgage insurance premium is charged ___ for all FHA loans, and can be financed into the mortgage loan

A

at closing

102
Q

A mortgage loan on an approved property made to a qualified veteran by an authorized lender and guaranteed by the Department of Veterans Affairs to limit the lender’s possible loss

A

VA Loan

103
Q

A form indicating the appraised value of a property being financed with a VA loan

A

Certificate of Reasonable Value (CRV)

104
Q

The ___ states the property’s current market value based on a VA-approved appraisal and places a ceiling on the amount of a VA loan allowed for the property.

A

Certificate of Reasonable value (CRV)

105
Q

The Federal Agricultural Mortgage Corporation is usually called ___.

A

Farmer Mac

106
Q

The ___ is another government sponsored enterprise that operates similarly to Fannie Mae and Freddie Mac but in the context of Agricultural loans

A

Federal Agricultural Mortgage Corporation (Farmer Mac)

107
Q

___ was created to improve the availability of long-term credit at stable interest rates to American farmers, and ranchers, rural homeowners, businesses, and communities.

A

Farmer Mac

108
Q

A note secured by a mortgage or deed of trust given by a buyer, as borrower, to a seller, as lender, as part of the purchase price of the real estate

A

Purchase Money Mortgage (PMM)

109
Q

A note and mortgage created at the time of purchase when the seller agrees to finance all or part of the purchase price and consists of a first or junior lien, depending on whether prior mortgage liens exist.

A

Purchase Money Mortgage (PMM)

110
Q

___ are often called seller financing or owner financing

A

Purchase Money Mortgage (PMM)

111
Q

A(n) ___ is often used when the buyer does not qualify for a typical lender loan.

A

Purchase Money Mortgage (PMM)

112
Q

A real estate loan used to finance the purchase of both real property and personal property, such as in the purchase of a new home that includes carpeting, window coverings, and major appliances.

A

Package Loan

113
Q

A mortgage covering more than one parcel of real estate, providing for each parcel’s partial release from the mortgage lien on repayment of a definite portion of the debt

A

Blanket

114
Q

A blanket loan usually includes a(n) ___, which permits the borrower to obtain the release of any one lot or parcel from the lien by repaying a certain amount of the loan.

A

Partial Release Clause

115
Q

A method of refinancing in which the new mortgage is placed in a secondary, or subordinate, position; the new mortgage includes both the unpaid principal balance of the first mortgage and whatever additional sums are advanced by the lender.

A

Wraparound Loan

116
Q

A(n) ___ loan enables a borrower with an existing mortgage or deed of trust loan to obtain additional financing from a second lender without paying off the first loan. The second lender gives the borrower a new, increased loan at a higher interest rate and assumes payment of the existing loan.

A

Wraparound loan

117
Q

The total amount of the new loan for a(n) ___ loan includes the existing loan as well as the additional loan taken out by the borrower.

A

Wraparound

118
Q

In the case of a wraparound loan, the borrower makes payments to the ___, and the new lender makes payments on the ___.

A

Borrower makes payments to the new lender
New lender makes payments on the original loan

119
Q

A mortgage loan that is expandable by increments up to a maximum dollar amount, the full loan being secured by the same original mortgage

A

Open-end loan

120
Q

An open-end loan secures a note executed by the ___ to the ___

A

Buyer to the lender

121
Q

Open-end loans secure any future advances of funds made by the ___ to the ___

A

Lender to the borrower

122
Q

___ loans are also called interim financing

A

Construction

123
Q

A short-term loan usually made during the construction phase of a building project

A

Construction Loan

124
Q

___ loans are made to finance the construction of improvements on real estate such as homes, apartments, and office buildings.

A

Construction Loans

125
Q

In a construction loan, the lender commits to the full amount of the loan, but disburses the funds in payments called ___ during construction.

A

Draws

126
Q

In a construction loan, ___ are made to the developer or general contractor for that part of the construction work that has been completed since the previous payment.

A

Draws

127
Q

Construction loans are generally ___ financing, and the borrower is expected to arrange for a(n) ___ loan which will repay or take out the construction financing lender when work is completed.

A

Short term
Permanent loan

128
Q

Permanent loans that follow construction loans are also called a(n) ___ loan or ___ loan

A

End loan
Take-out loan

129
Q

A way to temporarily or permanently lower the initial interest rate on a mortgage or deed of trust loan

A

Buydown

130
Q

A financing technique used to reduce the monthly payments for the first few years of a loan. Funds in the form of discount points are given to the lender by the builder or seller to buy down or lower the effective interest rate paid by the buyer, thus reducing the monthly payments for a set time

A

Buydown

131
Q

Provide a source of funds using the equity built up in a home

A

Home Equity Loans

132
Q

A loan under which a property owner uses his residence as collateral and can then draw funds up to a prearranged amount against the property.

A

Home equity loan

133
Q

Also called a line of credit

A

Home equity loan

134
Q

With a(n) ___, lenders extend a line of credit that borrowers can use at will. Borrowers receive their money by checks sent to them, deposits made into their bank accounts, or a book of drafts they can use up to their credit limits.

A

Home Equity Line of Credit

135
Q

Home equity loans can be taken out as a(n) ___ or as a(n) ___.

A

Fixed loan amount
Home Equity Line of Credit (HELOC)

136
Q

Also called Regulation Z

A

Truth In Lending Act (TILA)

137
Q

Federal legislation that allows the government to regulate the practices of mortgage lenders.

A

Truth In Lending Act

138
Q

The ___ requires that credit institutions inform borrowers of all finance charges and the true interest rate before a loan is completed.

A

Truth In Lending Act

139
Q

Because of the ___, borrowers can compare the costs of various lenders and avoid the uninformed use of credit.

A

Truth In Lending Act

140
Q

Regardless of the loan amount, the Truth In Lending Act applies whenever a credit transaction is secured by a(n) ___.

A

Residence

141
Q

The Truth In Lending Act does not apply to ___ or ___ loans or to ___ loans of any amount

A

Business or Commercial loans
Agricultural

142
Q

Specific credit terms such as “down payment”, “monthly payment”, “dollar amount of the finance charge,” or “Term of the loan” are called ___.

A

Trigger Terms

143
Q

Specific credit terms that may not be advertised unless the advertisement includes other detailed information.

A

Trigger terms

144
Q

Trigger terms may not be ___ unless it includes other detailed information.

A

advertised

145
Q

Trigger terms may not be advertised unless the advertisement includes ___.

A

other detailed information.

146
Q

The __ shows the consumer the amount of money borrowed, interest rate, amount of interest paid, number of payments, individual amount of those payments, any associated costs for the loan, estimate of closing costs, and an estimate of cash needed to close.

A

Loan Estimate

147
Q

___ is defined as when the lender has received the following information regarding a loan:
-address of property
-loan amount
-income of borrower
-contract price for the property
-borrower’s SSN

A

Application

148
Q

The ___ prohibits lenders and others who grant or arrange credit to consumers from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided they are of legal age), or dependence on public assistance.

A

Equal Credit Opportunity Act

149
Q

The ___ requires that lenders and other creditors must inform all rejected applicants of the principal reasons for the denial or termination of credit

A

Equal Credit Opportunity Act

150
Q

Refers to the responsibility of financial institutions to help meet their communities’ needs for low-income and moderate-income housing

A

Community reinvestment

151
Q

Under the ___, financial institutions are expected to meet the deposit and credit needs of their communities; participate and invest in local community development and rehabilitation projects; and participate in loan programs for housing, small businesses, and small famrs.

A

Community Reinvestment Act

152
Q

Federal law that requires certain disclosures to consumers about mortgage loan settlements. It also prohibits the payment or receipt of kickbacks and certain kinds of referral fees

A

Real Estate Settlement Procedures Act (RESPA)

153
Q

The Real Estate Settlement Procedures Act (RESPA) applies to any ___ real estate transaction involving a(n) ___ loan

A

Residential
New first mortgage loan

154
Q

___ is designed to ensure that the buyer and seller are fully informed of all settlement costs

A

Real Estate Settlement Procedures Act (RESPA)

Unit 16: Real Estate Financing Practice (3 decks)

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