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Lenders raise bar for some borrowers - Raleigh News & Observer
Stated income loans: W2 forms, pay stubs, tax returns and Internal Revenue forms are not required. 80/20 option loan: The first mortgage is provided for 80 percent of the cost of the home, and the piggyback second mortgage is for the remaining 20 ...

CapLease, Inc. Q2 2008 Earnings Call Transcript - Seekingalpha.com
CapLease, Inc. (LSE) Q2 2008 Earnings Call August 6, 2008 11:00 am ET Executives Paul H. McDowell - Chairman, Chief Executive Officer Shawn P. Seale - Chief Financial Officer, Senior Vice President, Treasurer Analysts Jordan Sadler - KeyBanc Capital ...

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Today's Mortgage Terms starting with D

  • Default: Failure to fulfill legal obligations of a contract, including failure to make payments on a loan.
  • Discounted Loan: When the note rate on a loan is lower than the market rate, it is a discounted loan.
  • Discount Point: A point paid to the lender to permanently lower or acquire down an interest rate. Money must be paid up front to lower the rate.
  • Down Payment: The amount of cash you must pay down initially for the purchase of your home. For conventional loans, you should aim for a down payment that's at least 20% of your home's value. The reason is lenders generally do not require private mortgage insurance with a down payment of at least 20% of your home's purchase price.

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