Institutional Lenders Financial Glossary
What is it? Savings and loan associations, local and regional banks, mortgage companies, finance companies, and commercial lenders.Finance Term Definition Added By: James
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Financial Term depreciation is The amount by which a fixed assets accounting or book value is periodically reduced to reflect the fact that the economic value of the asset is steadily reduced by a combination of wear and tear from use, age, and/or obsolescence. The offsetting entry is depreciation expense.Financial Term Manufactured home is Manufactured homes are homes made or manufactured in a factory and designed to be transported to a site. Manufactured homes can be large or small, and while they are constructed in the same manner as mobile homes, manufactured homes are not truly mobile. Mobile homes can be moved from one location to another, while manufactured homes are permanently attached to the site using conventional on-site construction.
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Financial Term Equal Credit Opportunity Act (ECOA) is A Federal statute that makes it illegal for creditors to discriminate in any aspect of a credit transaction on the basis of sex, marital status, age, race, national origin, color, religion, receipt of public assistance, or the exercise of rights under the Consumer Protection Act. The Federal Reserve Board of Governors has adopted Regulation B to implement this statute.
Financial Term Government National Mortgage Association (Ginnie Mae). is A government-owned corporation that purchases mortgages and re-packages them as pass-through securities. The holder of a pass-through bond owns a portion of the underlying mortgages.