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Verification of Employment (VOE)

By admin On January 28, 2013 · Add Comment
Direct verification of a borrower’s employment required to properly evaluate a borrower’s income.
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Verification of Deposit (VOD)

By admin On January 28, 2013 · Add Comment
Direct verification of a borrower’s funds at their financial institution required in the context of verifying funds for down payment and closing costs.
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Underwriting

By admin On January 28, 2013 · Add Comment
The process of reviewing the verified information provided by borrowers and obtained from other sources, like a credit report in order to approve a borrower for a mortgage loan.
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Truth-in-Lending

By admin On January 28, 2013 · Add Comment
This Federal law was enacted to protect consumers by requiring disclosure of the cost of financing before extending credit. In the case of mortgages, a mathematical calculation incorporating certain closing costs and interest cost over the entire term of a loan called the Annual Percentage Rate (APR), must be given to home buyers in order [...]
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Title Insurance

By admin On January 28, 2013 · Add Comment
Title insurance as the name suggests protects your ownership interest in a property and is required by all mortgage lenders. It recites any liens that are outstanding that must be satisfied prior to closing and specifies the new owner and lien holder(the lender).
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Title

By admin On January 28, 2013 · Add Comment
This term indicates ownership. If you own a house or a car you have “title” to it.
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Survey

By admin On January 28, 2013 · Add Comment
A legal document, most likely recorded, that shows the boundary of a property.
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Simple Interest

By admin On January 28, 2013 · Add Comment
The interest on a mortgage is always simple interest based on the outstanding balance, not compounded.
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Second Mortgage

By admin On January 28, 2013 · Add Comment
A second lien on a property that can be taken out as a lump sum or a line of credit (Home Equity loan) to be used when needed.
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Reverse Mortgage

By admin On January 28, 2013 · Add Comment
A mortgage that pays a borrower to live in their home based on their equity. This is only available to borrowers ages 62 and older.
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