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  2. A loan officer can help you determine which loan is right for you and help you identify the loan’s terms and conditions. 44.8% Percentage of new mortgages that were conventional loans in 2023

  3. Mortgage origination - Wikipedia

    en.wikipedia.org/wiki/Mortgage_origination

    A mortgage loan is a loan in which property or real estate is used as collateral. During this process, borrowers must submit various types of financial information and documentation to a mortgage lender, including tax returns, payment history, credit card information and bank balances. Mortgage lenders use this information to determine the type ...

  4. Loan agreement - Wikipedia

    en.wikipedia.org/wiki/Loan_agreement

    Loan agreements are documented via their commitment letters, agreements that reflect the understandings reached between the involved parties, a promissory note, and a collateral agreement (such as a mortgage or a personal guarantee). Loan agreements offered by regulated banks are different from those that are offered by finance companies in ...

  5. What is an acceleration clause? And what triggers it? - AOL

    www.aol.com/finance/acceleration-clause-triggers...

    Lenders decide to accelerate a loan based on the contingencies specifically listed in the mortgage documents. Usually, the things that can trigger an acceleration clause relate to the lender’s ...

  6. Mortgage assumption - Wikipedia

    en.wikipedia.org/wiki/Mortgage_assumption

    For example, making payments on the mortgage can evince an intent to assume it, as can paying less than the value of the property (if the difference is the amount outstanding on the mortgage). Absent an assumption of the mortgage by the purchaser, the purchaser buys the property subject to the mortgage, which means the property is still ...

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  8. No income, no asset - Wikipedia

    en.wikipedia.org/wiki/No_Income,_No_Asset

    They were especially prominent during the United States housing bubble circa 2003-2007 but have gained wider notoriety due to the subprime mortgage crisis in July/August 2007 as a prime example of poor lending practices. [6] The term grew in usage during the 2008 financial crisis as the sub prime mortgage crisis was blamed on such loans.

  9. Can I get a mortgage after a short sale of my home? - AOL

    www.aol.com/finance/mortgage-short-sale-home...

    Yes, you may qualify for a mortgage after a short sale, depending on the loan program you select. FHA loans are worth considering for credit-challenged borrowers once the three-year waiting period ...