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Do Mortgage Lenders Count Deferred Student Debt?
September 19, 2000 "When determining whether a borrower's income is large enough to meet expenses, will a lender include in expenses student debt on which the payment is deferred"? In qualifying loan applicants, lenders generally apply a maximum ratio of total ... more...

The Fully Amortizing Mortgage and Savings Discipline
February 7, 2005 ?The equity from sale of our old house will cover the first 6 months of payments on the new one. To avoid spending this money, we plan to make 6 payments immediately, then we have 6 months to save enough from our current income to repeat the process. Is this ... more...

deferred related definitions

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Defereed Interest When a mortgage is written with a monthly payment that is less than required to satisfy the note rate, the unpaid interest is deferred by adding it to the loan balance. See negative ... more...

Negative Amortization
Negative Amortization Negative amortization, also known as Neg Amortization, NegAm, NegAmMort, occurs when borrower pays back less than the full amount of interest owed to the lender each month. The difference betweeen full interest and paid amount is added to the total amount ... more...

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Finance Your Home Business: Six Ways Under Your Nose
There are lots of ways to get additional capital to expand a home-based business. But before you look outside for financing, leaving the decision about your companys progress and merits to someone else, consider these six ways under your nose to finance your home-based business:Personal ... more...

Six Ways Under Your Nose To Finance Your Home Business
There are lots of ways to get additional capital to expand a home-based business. But before you look outside for financing, leaving the decision about your companys progress and merits to someone else, consider these six ways under your nose to finance your home-based business:Personal ... more...

Parent Loans or Student Loans What is Going to be Best for My Child?
Parent Loans or Student Loans what is going to be best for my child?At least 20% of college students need some type of loan to help pay for their college education. Such a statistic can lead to students graduating with an unmanageable debt load. An alternative is for parents to help out by taking ... more...

To Buy or Not to Buy
Purchasing a home is a major emotional and financial decision. Often times, people want to buy a home; however, emotionally cannot afford to commit to the home-buying process. They are, in fact, afraid. My payment will be too high or What if I lose my job, are some of the excuses which I often ... more...

Information On Private Student Loans
Getting an education after high school is becoming more and more expensive. But it is also becoming more and more of a necessity to get a good job that pays well and has adequate benefits. For this, most young people need to attend college or some other type of additional training. Most of them ... more...

Life Insurance Basics
One of the most important things you can do as parents is to ensure the financial welfare of your children in the event of your death. Life insurance is the best way to be rest assured that your children will be taken care of if you die. Although we never like to think of that kind of thing ... more...

Uncle Sam's Snake Oild
Uncle Sam and his band of merry-men, better known as Congress, have been pushing snake oil on the unsuspecting public in the form of retirement plans. But wait, isnt a pension plan one of the perks we look to when shopping for an employer? Well, not all pension planning is created equal and in most ... more...

Investing in Real Estate Profitably: Financing Options for Purchase of Rental Houses, Part 1.
This is not an article about tricks for 100% (no money down) financing. Even if you do take advantage of various no money down strategies from time to time, these strategies are not generally applicable when you begin investing systematically in multiple rental homes with the goal of making ... more...

"How Much Interest is Your Home Equity Earning?"
How much interest are you earning on your home equity? If you answered nothing, zero, zilch, zip you are correct. What would you do if you could get triple compounding on your equity? Would you take action and build a fortune that would allow you to pay off the mortgage and create a retirement ... more...

The Most Important Number on Your Tax Return
Most taxpayers concentrate on ways to reduce their "taxable income". However, beginning with the Tax Reform Act of 1986, your "Adjusted Gross Income", or AGI, has become the most important number on your tax return.Many tax credits and deductions are phased-out, or altogether eliminated, based on ... more...

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