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2. Loan-to-value ratio - Wikipedia

   en.wikipedia.org/wiki/Loan-to-value_ratio

   The loan-to-value (LTV) ratio is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased.. In real estate, the term is commonly used by banks and building societies to represent the ratio of the first mortgage line as a percentage of the total appraised value of real property.

3. Mortgage lenders vs. banks: Which is best for you? - AOL

   www.aol.com/finance/mortgage-lenders-vs-banks...

   Credit unions – Credit unions function much like banks in that they serve as a waystation between those saving funds and those who need to borrow. Unlike banks, however, credit unions are run on ...

4. What is a loan-to-value ratio? - AOL

   www.aol.com/finance/loan-value-ratio-184253472.html

   Between the mortgage LTV and DTI ratios, if the lender deems you a greater risk, you’ll likely pay a higher interest rate, which translates to paying more money over the life of the loan ...

5. Warehouse line of credit - Wikipedia

   en.wikipedia.org/wiki/Warehouse_line_of_credit

   A warehouse line of credit is a credit line used by mortgage bankers. It is a short-term revolving credit facility extended by a financial institution to a mortgage loan originator for the funding of mortgage loans. The cycle starts with the mortgage banker taking a loan application from the property buyer.

6. 4 ways to get equity out of your home — and what to know ...

   www.aol.com/finance/how-to-get-equity-out-of...

   Loan-to-value ratio below 85%. ... 🏠 Home equity line of credit ... and you typically pay $700 a month to your mortgage, $500 a month to credit cards and $250 a month to a personal loan — a ...

7. Home equity line of credit - Wikipedia

   en.wikipedia.org/wiki/Home_equity_line_of_credit

   A home equity line of credit, or HELOC (/ˈhiːˌlɒk/ HEE-lok), is a revolving type of secured loan in which the lender agrees to lend a maximum amount within an agreed period (called a term), where the collateral is the borrower's property (akin to a second mortgage).

8. Mortgage lenders vs. banks. Assessing and deciding which is ...

   www.aol.com/mortgage-lenders-vs-banks-assessing...

   For homebuyers seeking home loans, there are varying reasons to opt for a bank or a mortgage company. Mortgage lenders vs. banks. Assessing and deciding which is best for you

9. Credit conversion factor - Wikipedia

   en.wikipedia.org/wiki/Credit_conversion_factor

   The key variables for (credit) risk assessment are the probability of default (PD), the loss given default (LGD) and the exposure at default (EAD).The credit conversion factor calculates the amount of a free credit line and other off-balance-sheet transactions (with the exception of derivatives) to an EAD amount [2] and is an integral part in the European banking regulation since the Basel II ...