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California Mortgage Calculators

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CA Mortgage Tips

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-California Mortgages Terms Defined-

Mortgage and Refinancing Terms to Know

Adjustible Rate Mortgage (ARM): A mortgage in which the interest rate is adjusted periodically based on a pre-selected index. AKA the renegotiable rate mortgage, the variable rate mortgage or the Canadian rollover mortgage.

Amortization: Means loan payment by equal periodic payment calculated to pay off the debt at the end of a fixed period, including accrued interest on the outstanding balance.

Assignment: The transfer of a mortgage from one person to another.

Balloon Mortgage: A loan which is amortized for a longer period than the term of the loan. Usually this refers to a thirty-year amortization and a five year term. At the end of the term of the loan, the remaining outstanding principal on the loan is due. This final payment is known as a balloon payment.

 

Bridge Loan: A second trust that is collateralized by the borrower's present home allowing the proceeds to be used to close on a new house before the present home is sold.

Closing: The meeting between the buyer, seller and lender or their agents where the property and funds legally change hands, also called settlement.

Closing Costs: Closing costs usually include an origination fee, discount points, appraisal fee, title search and insurance, survey, taxes, deed recording fee, credit report charge and other costs assessed at settlement. The cost of closing usually are about 3 percent to 6 percent of the mortgage amount.

Fixed Rate Mortgage: The mortgage interest rate will remain the same on these mortgages throughout the term of the mortgage for the original borrower.

Refinance: A new mortgage on a property already owned. Often to replace existing loans on the property.

Second Mortgage: A mortgage made subsequent to another mortgage and subordinate to the first one.

Usury: Interest charged in excess of the legal rate established by law.

 

 

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