25. Potential buyer Sam wants to increase his credit score before applying for a mortgage loan. What factors should he conside score? O (a) Payment history, total amount owed, new credit, length of credit history O (b) Payment history, new credit, income, types of credit O (c) Marital status, types of credit, total amount owed, new credit (d) Total amount owed, bank account balance, payment history, length of credit history
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- Introduction: what mortgage points are and why people choose to opt-in for it ? what the advantages and disadvantages of using a mortgage point is ? And give an example using numbers present value and future value? Make a report.Discuss mortgage loans in terms of the time value of money and loan amortization. What important points should every homeowner know about how mortgages work? (Hint: Think about taxes and getting the mortgage paid off. Please explain this as simply as possible to me.Which of the following is a feature of a home equity loan? Group of answer choices a. The interest rate on a home equity loan is higher than that on other loans. b. The interest paid on a home equity loan is usually tax deductible. c. A home equity loan is generally the first mortgage loan. d. A home equity loan is a single-payment loan. e. A home equity loan is an unsecured loan.
- Please answer both part a) When would you would use a Personal Loan? Why would you choose a Personal Loan over other methods of Credit? b) When would you would use a Mortgage? Why would you choose a Mortgage over other methods of CreditGiven the role of the loan originator in the securitization process of a mortgage loan described in the text,do you think the loan originator will be worried aboutthe ability of a household to meet its monthly mortgagepayments?6.-If a bank client requests a loan for the acquisition of real estate, what type of loan is he/she requesting? A) Refinance loan B) Entitlement loan or avío loan C) Mortgage loan D) Unsecured loan (Choose one option)
- Consumers should comparison shop for credit just as they would for any other consumer good or service. How might a consumer's stage of the financial life cycle, income, net worth, or credit score affect the availability of loan sources and the associated cost of the loans offered? Question content area bottom Part 1 Which of the following statements is correct? (Select best answer below.) A. Typically, stages of the financial life cycle, income, and net worth move inversely with credit score, and the cost of the loans tends to be lower in early financial life cycle stages due to a sufficient supply of fund sources. B. Typically, stages of the financial life cycle, income, net worth and your credit score move in unison, and the cost of the loans tends to be lower in early financial life cycle stages due to a sufficient supply of fund sources. C. Typically, stages of the financial life cycle, income, net worth and your credit score…What are mortgage discount points? When does it make sense to pay points on a loan? How can a borrower make a decision?Going to a bank and applying for a mortgage loan would be an example of what type of financing? Group of answer choices Equity Financing Debt Financing Liquidiity Financing Abraham Lincoln
- Jamison is looking at the historical prepayment for a passthrough security. He finds the following: mortgage balance in month 42 = $260,000,000 scheduled principal payment in month 42 = $1,000,000 prepayment in month 42 = $2,450,000 What is the SMM for month 42? How should Mr. Jamison interpret the SMM computed? What is the CPR for month 42?What should an investment analyst look into before recommending an investment to clients? How should a commercial loan officer analyze a loan application that includes 3 years' worth of financial statements?Give 5 possible analysis that determine whether the clients will be able to repay the loan and interests in the future?