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In the lending industry, these are known as overlays. So they might tell you up front there are no cash-reserve requirements on a particular loan, and then later the underwriter comes back and says there are.
Or they might disclose them in advance. Either way, the end result is the same. You need to have extra money in the bank if you want to close the loan. Mortgage lenders are also requiring larger amounts of reserves, especially for bigger loans.
The average requirement for conventional mortgage loans (among those lenders that require cash reserves) is two months worth.
ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 51 ARM, 7 years for a 71 ARM and 10 years for a 101 ARM). Select the About ARM rates link for important information, including estimated payments and rate adjustments.
The rate of interest on a loan, expressed as a percentage. Annual percentage yield (APR) The annual cost of a loan to a borrower. Like an interest rate, an APR is expressed as a percentage. Unlike an interest rate, however, it includes other charges or fees (such as old mutual personal loans apply online insurance, most closing costs, points and loan origination fees) to reflect the total cost of the loan.
An amount paid to the lender, typically at closing, in order to lower the interest rate. Also known as mortgage points or discount points.