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Mortgage - Law Dictionary Search Results

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Charge

discharged. To prefer an accusation against any one. A burden, duty, or trust, when attached to property; see MORTGAGES AND CHARGES, DEBENTURE, LAND CHARGES, ADMINISTRATION, REGISTRATION OF LAND. Includes any head of charge when the charge contains

stripped mbs (smbs)

mbs (smbs) securities created by "stripping" or separating the principal and interest payments from the underlying pool of mortgages into two classes of securities, with each receiving a different proportion of the principal and interest payments. Source:

broker

who negotiates contracts of sale (as of real estate or securities) or other agreements (as insurance contracts or mortgages) between the parties for a fee or commission compare dealer, finder NOTE: An insurance broker differs from an

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conversion clause

conversion, the new fixed rate is generally set at one of the rates then prevailing for fixed rate mortgages. There may be additional cost for this clause. Source: U.S. Department of Housing and Urban Development

cost of funds index (cofi)

cost of funds index (cofi) an index used to determine interest rate changes for some adjustable-rate mortgages. Source: U.S. Department of Housing and Urban Development

credit loss ratio

credit loss ratio the ratio of credit-related losses to the dollar amount of MBS outstanding and total mortgages owned by the corporation. Source: U.S. Department of Housing and Urban Development

foreclosure

foreclosure 1 : a legal proceeding that bars or extinguishes a mortgagor's equity of redemption in mortgaged real property see also deficiency judgment at judgment, redeem, right of redemption, statutory foreclosure, strict foreclosure 2 :

mortgagee

mortgagee : a party (as a business or individual) to whom or in whose favor property is mortgaged

mortgagor

mortgagor : a person who mortgages property

pre-foreclosure sale

pre-foreclosure sale allows a defaulting borrower to sell the mortgaged property to satisfy the loan and avoid foreclosure. Source: U.S. Department of Housing and Urban Development

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