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  2. Are HELOCs A Dangerous Game? Suze Orman Warns, 'Your Home Is ...

    www.aol.com/helocs-dangerous-game-suze-orman...

    A HELOC uses your home as collateral, meaning you risk losing your house if you fall behind on payments. ... (ARM), the fixed rate protects you over the years it will take to repay the loan ...

  3. How do secured loans work? - AOL

    www.aol.com/finance/secured-loans-020828573.html

    Types of secured loans. There are many types of secured loans. Five of the most common include: Mortgage: With a mortgage, you put your home or property up as collateral to buy that home.If you ...

  4. Should you use a HELOC to pay off your mortgage? - AOL

    www.aol.com/finance/heloc-pay-off-mortgage...

    A reverse mortgage is a loan for homeowners aged 55 or older, enabling them to tap into their home’s equity and receive tax-free payments to use as they wish (the lender pays them, hence the ...

  5. Collateralized mortgage obligation - Wikipedia

    en.wikipedia.org/wiki/Collateralized_mortgage...

    Loans meeting certain size and credit criteria can be insured against losses resulting from borrower delinquencies and defaults by any of the Government Sponsored Enterprises (GSEs) (Freddie Mac, Fannie Mae, or Ginnie Mae). GSE guaranteed loans can serve as collateral for "Agency CMOs", which are subject to interest rate risk but not credit risk.

  6. Collateral management - Wikipedia

    en.wikipedia.org/wiki/Collateral_management

    In the modern banking industry collateral is mostly used in over the counter (OTC) trades. However, collateral management has evolved rapidly in the last 15–20 years with increasing use of new technologies, competitive pressures in the institutional finance industry, and heightened counterparty risk from the wide use of derivatives ...

  7. Subprime mortgage crisis - Wikipedia

    en.wikipedia.org/wiki/Subprime_mortgage_crisis

    Historically less than 2% of homebuyers lost their homes to foreclosure. But by 2009 over 40% of subprime adjustable rate mortgages were past due. [1] In the years before the crisis, the behavior of lenders changed dramatically. Lenders offered more and more loans to higher-risk borrowers.

  8. Home equity loan or HELOC vs. cash-out mortgage refinance - AOL

    www.aol.com/finance/home-equity-loan-heloc-vs...

    Key takeaways. Home equity loans, HELOCs, and cash-out refinancing are three popular ways to borrow using your home as collateral. A cash-out refinance replaces your existing mortgage while home ...

  9. Government policies and the subprime mortgage crisis

    en.wikipedia.org/wiki/Government_policies_and...

    The volume of CDS outstanding increased 100-fold from 1998 to 2008, with estimates of the debt covered by CDS contracts, as of November 2008, ranging from US$33 to $47 trillion. Total over-the-counter (OTC) derivative notional value rose to $683 trillion by June 2008, of which about 8% were CDS. [189] CDS are lightly regulated.

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