Learning Lab / Category: Mortgage IQ

Category: Mortgage IQ

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What is the ‘Down Payment’ in a real estate purchase?

Post author By Dipti K.
Post date January 23, 2021

Your down payment is the first payment you make on your mortgage loan.

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What is the ‘Term’ in a mortgage?

Post author By Premela R.
Post date January 22, 2021

A mortgage term indicates the total duration of a mortgage.

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How is an ‘Annual Percentage Rate (APR)’ calculated?

Post author By Dipti K.
Post date January 21, 2021

The annual percentage rate (APR) estimates the total interest rate you will pay on your mortgage, including any additional lender fees.

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The ‘Debt-To-Income (DTI) Ratio’ determines your qualifying ability.

Post author By Premela R.
Post date January 20, 2021

The debt-to-income (DTI) ratio equals your total fixed monthly debts divided by your total monthly gross income.

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Property Taxes – How is this calculated, and why is it important?

Post author By Dipti K.
Post date January 19, 2021

A tax imposed on a real estate property by the government is called property tax.

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Homeowners Insurance – Why is this important in the Loan Process.

Post author By Dipti K.
Post date January 16, 2021

Homeowners insurance is the insurance policy that ensures the protection of a home and its belongings from specific damages.

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What is an ‘Adjustable-Rate Mortgage (ARM),’ and how is it used?

Post author By Premela R.
Post date January 15, 2021

An adjustable-rate mortgage (ARM) refers to a mortgage with variable interest rates, which change regularly after an initial period.

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What is a ‘Fixed-Rate Mortgage’ vs. an Adjustable-Rate Mortgage?

Post author By Premela R.
Post date January 14, 2021

A fixed-rate mortgage keeps the interest rate fixed throughout the loan term.

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What does ‘Principal’ mean in a mortgage?

Post author By Premela R.
Post date January 13, 2021

Principal refers to the initial mortgage amount taken against the property you mortgaged.

America Mortgages Inc. is a mortgage broker focusing only on U.S. Expats and Foreign Nationals living overseas. We offer over 150 U.S. bank and lender programs direct to our international clients. America Mortgages is wholly-owned by Global Mortgage Group Pte. Ltd. an international mortgage specialist based in Singapore.

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