How to use mortgages in a sentence

Looking for sentences and phrases with the word mortgages? Here are some examples.

Sentence Examples A lot of lenders who originate mortgages actually sell them off to a servicer or to some other agency to service it later on. Offset and current account mortgages work by setting your savings against your borrowings. As the name is intended to suggest, it is marketed as a sort of vinicultural endowment policy for homebuyers with interest-only mortgages. In a hugely competitive market, building societies and banks are continually updating and extending their range of mortgages. The report only considers further advances on existing mortgages taken out to release equity and secured personal loans. These days it is much easier to shop around and get decent rates for mortgages and personal loans. Around three out of every five mortgages are arranged via mortgage brokers. It's been hard to miss the various headlines about shortfalls in endowment mortgages over the last few days. The new no-frills bank will concentrate on consumer credit and mortgages and will initially focus on the UK market. Thanks to the vagaries of interest rates, our mortgages can shoot up at will. That is because unlike in years past, buyers at this level can now borrow large sums in the form of mortgages. Do you know that in Nevada 70 percent of the home mortgages are underwater? Due to increased competition there is now a greater choice of mortgages available, including discounted variable rates and fixed rate deals. The Bank obtained an array of security documents ranging from general security agreements to mortgages or charges on land. The affordability reports are now using the floating rate as most new mortgages are now floating rather than fixed. So Beijing wants banks to extend consumer financing beyond autos and mortgages to include vacations, white goods, home furnishings, and more. However, some mortgages will suit your needs better than others, so how do you decide which one's best for you? Special deals, such as fixed and capped rate mortgages, will usually carry these penalties. Thanks to new regulations that came into effect last October, mortgages are now overseen by the Financial Services Authority. The Plaintiffs separately claim the debt incurred with the mortgages on the property. Show More Sentences For example, some lenders allow consumers to obtain home loans or refinance mortgages on the basis of assets rather than credit rating. The value of your estate for probate purposes includes the value of any real property less any mortgages on that property. For those not yet at the repayment date this could be a spur to reconsider their mortgages. In some cases their grandchildren will finish paying the mortgages on them. Its main selling point is that ready cash is lent at the much cheaper rates than apply to mortgages. Correspondence, deeds, mortgages, and business papers document the Burnett Family of Marshall County, Illinois. A lot of the other employees are in the same boat, having to worry about mortgages and other financial commitments. This is not meant to suggest that mortgages over realty are unimportant, or do not give rise to legal problems. The one good thing is that all the experts seem to be in agreement that mortgages are set to fall. Now we all have families, mortgages and bills to pay the same as everybody else, would you swing the lead losing that amount of money? When it comes to mortgages, the mainstream banks have been relatively slow to adjust their acceptance criteria to suit this new environment. People have very high levels of mortgages, hire purchase payments, credit card payments, and debts of all kinds. That certainly might happen if lenders were prevented from providing sufficient liquidity for fixed-rate, easily prepayable mortgages. The critical factor in the failure of endowment mortgages has been poor investment returns. In recent weeks, interest rates offered on fixed-rate mortgages have started to creep up. For the nation overall, 14.78 percent of conventional subprime mortgages were past due, with 8.58 percent in foreclosure. The Depression threw millions out of work and forced banks to foreclose on thousands of home mortgages. And we've got a council house whereas other drivers have mortgages or private rents. That will go a long way towards helping to pay quite a lot of mortgages, not to mention buying burgers and fish fingers for the kids. These funds were already available for other private uses, such as private investment, mortgages, and other consumer credit. Show More Sentences Meanwhile, homeowners are improving their finances by refinancing their mortgages. To compensate, Americans have refinanced mortgages, piling on the debt and lowering their average net worth. Households also continue to refinance their mortgages or use home-equity loans to fund their shopping sprees. There was also a benefit for many banks from fees which arose when borrowers refinanced their mortgages because of lower interest rates. It is also important to know that the lawmakers of the State of Texas have written laws regarding wraparound mortgages. A common myth about wraparound mortgages is that you have to pay high interest rates to the financier. We can provide you the funds you need quickly and purchase first, second and wraparound mortgages. Classes would also provide drug education and advice on social security benefits, mortgages, financial services and hire purchase. Then make a list of all you owe, like mortgages, hire purchase agreements, loans or credit. Nearly half of these mortgages were subprime, National Community Reinvestment Coalition found. In 2005, 69 percent of the homes purchased in the tract were bought with subprime mortgages. He worked in information technology at the bank, which lost money on subprime mortgages. The press release called on intermediaries to improve the way they give advice on sub prime mortgages. He campaigned around the country to put Social Security funds in subprime mortgages. Find out more about homeowning, mortgages and remortgaging in the Fools Homeowning Centre. In the UK, most mortgages are remortgages and we tend to follow their example. Then, in 1999, the lender suggested that the single mom consolidate her two mortgages into one. Those who opted for endowment mortgages could also face serious repayment difficulties. The endowment mortgages, with-profits funds and private pensions on which people staked their futures are a national scandal. Estate agents report growing numbers of repossessions and young homeowners struggling to pay their monthly mortgages. Show More Sentences They would not spend their hard-earned money on lawns, lawnmowers, backyard barbecues, household appliances, and mortgages. Thus leases and liens may be protected by notice, as well as rights such as equitable mortgages, estate contracts and restrictive covenants. For mortgages, look outside the APR to see whether interest is calculated daily or annually. Short term fixed rate mortgages were often sold at or just above the lender's own borrowing cost. Many of the High Street lenders offer guarantor mortgages on a right to buy. Grown-ups with small dependents, mortgages and life insurance policies should definitely have a will. The majority of buy-to-let mortgages are interest-only, but does that carry an inherent risk? The subsequent mortgages to his brother provide a somewhat objective support for his argument that he was indeed indebted to Dieter. It sells its own credit cards, home mortgages, consumer loans, and insurance policies. Most French mortgages are capital and interest or interest-only repayment loans. The banks have done that by expanding their offerings of auto loans, life insurance, mutual funds, mortgages, and credit cards. The bank focuses on specialist lendings, including the market for buy-to-let mortgages. Fixed rate mortgages carry a constant interest rate for the life of the loan, usually 15 or 30 years. Apart from pledge, English law divides security over personal property into mortgages and charges. Attornment clauses in mortgages are rarely created today, but the official receiver may come across old mortgages still containing such clauses. The plaintiffs' mortgages included the right of attornment of rents and other remedies in the event of default. This year's sale is sponsored by the Sligo firm who specialise in auctioneering, valuations and mortgages. More people are taking out interest-only mortgages, but they could face big debts if house prices fall further. However the boom will be a double-edged sword for first-time buyers and those with larger mortgages who are at the mercy of interest rates. Equitable mortgages can also arise from an agreement for value to give a legal mortgage and on the mortgage of an equitable interest. Show More Sentences We're talking people with million-dollar mortgages, and that means really big homes. During the housing boom that followed the post-war baby boom, credit unions grew fast because they began offering home mortgages. In five years time, mortgages will have become portable products with no loyalty to the lender attached. In the wife's words she lived in a world of unpaid bills, bailiffs at the door and second mortgages. Interest-only mortgages allow borrowers to pay interest, but no principal, throughout the life of the loan, which is usually 15 years. Easy access to buy-to-let mortgages for professional investors has been blamed by critics for making it harder for others to buy their own homes. It formed joint ventures to market holiday homes in Spain and Portugal and to broker mortgages. In the UK, strong growth in non-standard residential mortgages and in commercial lending outweighed the decline in standard mortgage lending. Typical perks include preferential mortgages and personal loans, free banking, a pension fund, overtime, bonuses and share options. In consequence many bank and finance house loans secured by land mortgages are exempt from the controls of the Act. About three quarters of endowment mortgages sold over the last two decades are expected to post a shortfall when they mature. Tracker mortgages go up automatically because they are pegged to base rate. The cost of buying a house may be one reason about 20,000 people get self-build mortgages each year. The Ecology Building Society specialises in mortgages for conversions, renovations and ecological self-build projects. Finance is also becoming easier, with many high street building societies offering self-build mortgages. Around 56 per cent of the loans are to buy-to-let customers, with 38 per cent self-certified and the remainder standard mortgages. Current account mortgages, for those with good financial self-control, can be another good way to reduce your tax burden. Its main selling point is that ready cash is lent at the much cheaper rates that apply to mortgages. He says it has made inroads into niche markets and scores highly on business banking, wealth management and mortgages. It makes money on the interest homeowners pay on their mortgages minus the interest it pays on low-rate bonds that it sells to institutional investors and foreign banks. Show More Sentences An abstract of title is a condensed history of all deeds, mortgages and other documents relating to a particular piece of land, which affect the title. It invests your money in many different forms of credit-bonds, commercial paper, mortgages and many other kinds of loans. In a classroom environment, were taught about compound interest, mortgages, and debt. They get that they are permitted under current law to deduct the interest they pay on their mortgages. Median incomes may be higher than the national average but many of the young families in these areas are on a financial knife-edge as a result of huge mortgages. For mortgages originated between 2005 and 2008, by contrast, the delinquency rate is 9.38 percent. The delinquency rate for the mortgages made since 2009 is a tiny .73 percent. Do you require people to be delinquent before you talk to them about modifying their mortgages? The report also found that a low portion of these underwater homeowners were delinquent on their mortgages. The chart shows that the number of delinquent mortgages is finally down to pre-2008 levels. It is a worrying time for everyone as we have all got mortgages to pay. You can view and print the actual scanned images of audited company accounts, changes in directors, allotments of shares, mortgages or charges and all recent documents filed. In return, certain other mortgages were renegotiated with more favourable terms for the defendants by reducing interest rates, adjusting maturity dates and the like. Only the most generous employers provide this cover, but millions of us have bought these policies, often linked to mortgages and term assurance cover. Because of the rocketing cost of buying a house, many people are saddled with mortgages they can barely afford even at the record low interest rates of recent years. Through March 2012, harp was only permitted to refinance mortgages that were up to 125 percent of the value of a home. But most of the shortfall comes from funds invested in GM and funds obligated to help banks modify mortgages. Miles's team points out that the orthodox tax-break systems that enabled financial packages like Tessas and Peps to succeed have been applied to mortgages in the past. How has the UK moved from being a nation that held up thrift as a virtue and considered debt a vice, to owing a trillion pounds on mortgages, credit cards and other loans? In fact, life insurance joined stock shares, bonds, mortgages, bills of exchange, and promissory notes as inevitable props for England's dynamic economy. Show More Sentences Although borrowers may be comfortable taking out loans and mortgages at current interest rates, what is the likelihood of a rise in rates, over the medium to long term? If they continue, many mortgages will be difficult to service. What do you think the increased cost of mortgages will do for your boom? Over half the houses in the country are owned outright by people while a further significant amount have very low mortgages and have seen their homes triple in value. The government should recognise that it is dealing with people who have suffered hardship and serious worries about whether their mortgages will be paid off. Once we have paid off our mortgages, we will consider pro bono work. If these borrowers ever get underwater on their mortgages, they will almost certainly pull back on spending, turn risk averse and generally retrench. People are being forced to seek modifications for their underwater mortgages, watch retirement savings wither and choose between medicine and meals. This time it was the middle classes of middle England who were conspicuously suffering, from job insecurity, dear mortgages, negative equity, and falling house prices. Many could not afford to be made redundant as some had just taken out new mortgages, were the sole breadwinners, or had school-aged children to support. Developing expertise in long-term care insurance, medi-gap insurance, reverse mortgages and viatical settlements, along with their uses, can serve your older clients well. When we are done with the refi boom, we are going to find out that regular families are not getting mortgages anymore. They include executive orders to help homeowners with their mortgages and students with the repayment of loans. Instead, they are seeking to restructure mortgages in a way that makes payments low enough for customers to be able to pay. Thus banks generally insist on substantively registering their mortgages. The company, also the largest source of financing for home mortgages in the United States, is a shareholder-owned corporation chartered by the U.S. Congress. It's all very well for old fogies, with their pensions and their paid-up mortgages, to wander ghost-like about their business in a tatty, run-down town, resisting change. It was feared these endowments might not mature with enough money in the pot to pay off the mortgages, leaving people with a substantial shortfall. And no one but a blithering idiot would write new mortgages when there is every likelihood that a future judge would be empowered by Federal law to execute a cramdown on them. These deals are backed up by riskier loans either to less creditworthy borrowers in the so-called sub-prime market or to borrowers taking out second-lien mortgages. Show More Sentences Listed in order of safety, Ginnie Mae, Freddie Macs, and Fannie Maes are federal government agency home mortgages, which are lower risk but not as low risk as U.S. Treasuries. Even if they do use some fancy mathematical model to value different mortgages, those in Wall Street have long made money by gaming against these models. According to him, investment mortgages can be raised in Ireland, Britain and elsewhere, depending on the mix of equity and gearing that is required by the individual investor. These types of mortgages give the borrower the security of knowing their repayment will not change, but there is also a gamble because you are taking a punt on interest rates. Easy mortgages, rising incomes and a robust economy have fuelled growth. The difference between endowment mortgages and pension mortgages is that, rather than taking out an endowment policy, you take out a pension plan. A mortgage-backed security is a participation in a pool of residential mortgages. Reliant securitizes its mortgages by accessing several separate sources of capital. The taxability of forgiven debt is set to become a pressing issue as more homeowners fall behind on their mortgages and face foreclosure. Security interests in real property include mortgages, deeds of trusts, and installment land contracts. Often, plaintiffs who were injured or forced to leave their jobs still have mortgages, rent, medical expenses, or other bills to pay. The MPF Program issues securities guaranteed by Ginnie Mae backed by these government mortgages. For homeowners with adjustable rate mortgages, rising interest will really bite. While contract interest rates have steadily declined through the recession, origination fees on new mortgages have risen. Applicants receive debt and mortgage counseling, and are prequalified for mortgages. For byspel, there will be no more write-offs for children and no more write-offs for interest payments on mortgages. They have underwater mortgages in Ronkonkoma and Orangeburg. At the heart of the portfolios of many of these institutions were investments whose assets had been derived from bundled home mortgages. The talks concluded successfully that evening with a proposal to create a banking giant which would hold a third of UK mortgages. When the GSEs guarantee MBS, they are taking only the credit risk of these mortgages. Show More Sentences The CEO of one of the largest state leagues sent out a pitifully frantic letter stating that cramdowns would apply to all mortgages. Much of that money went into dodgy mortgages to buy overvalued houses, and the financial crisis was the result. She revealed she did not work, exposing lies he told about her having a substant ial income when he applied mortgages to buy two in Renfrewshire. The Government of Ghana is exploring a plan that would subsidize mortgages to promote home ownership for Ghana's workers. Mortgage Day, or M-Day, on October 31 saw the introduction of strict, legally binding rules on how mortgages are advertised, sold and policed. It had proved impossible for most homeowners facing foreclosure to refinance or modify their mortgages and foreclosure rates remained high. Small said that Fannie Mae buys mortgages from approximately 170 lenders operating locally in the Miami metropolitan area. During the past few weeks, conforming 30-year fixed-rate mortgages have risen an average of one-half to five-eighths of a percent nationally. Our HECM products enable financial institutions to easily incorporate reverse mortgages into their offering. About Reverse Mortgages Reverse mortgages are available to homeowners age 62 and older with significant home equity. As of 2012, in the United States, a large volume of troubled mortgages remained in place. The accumulation and subsequent high default rate of these mortgages led to the financial crisis, and the consequent damage to the world economy. Commercial real estate mortgages often have balloon payments due as the mortgages terminate. Small businesses facing maturity of commercial mortgages or balloon payments before Dec. Nearly half of all mortgages arranged by financial advisers were remortgages. Banks, FDIC and RTC are selling their real estate owned property and mortgages in bulk with bids of 5 to 10 percent higher than one year earlier. Market participants are painfully learning the limits to slicing and dicing mortgages to a fine fare-thee-well. This rootbound philosophy has been an industry cornerstone for decades, established in the days when only thrifts made mortgages and commercial banks did everything else. Wells Fargo Home Mortgage has said that it will discontinue the origination of Home Equity Conversion Mortgages, commonly known as reverse mortgages. Some believe this was an early warning to the systemic risk that the growing market in subprime mortgages posed to the US financial system that went unheeded. Show More Sentences He also suggested that homeowners who had refinanced mortgages as fixed interest rates have decreased should refinance again to adjustable rate mortgages. Treasury announced its plans to help homeowners lower payments on their second mortgages, helping them avoid foreclosures while also incentivizing loan servicers. Most staff will be redeployed as CBA opens a new mortgages services retail office and boosts numbers in its mortgage services call centre, the bank said. Under the bill Ginnie Mae would be able to guarantee securities backed by conventional mortgages that carry primary, extended and supplemental mortgage insurance. The sales, of Shops of Boca Grove and Riverwalk Plaza in Boynton Beach, were at a 44 percent discount off of the value of the properties' mortgages. Lately, reverse mortgages have been in the news, not all of it good. News last Thursday that a small amount of unpriceable subprime mortgages was in a BNP Paribas fund in France sent the markets in Europe and the United States sharply lower. They put more crapola into the market, you get cheap mortgages, you bid up the price of assets, you wait for the crash to come, and you get more defaults. Westinghouse employees were looking for a credit union which already offered a full compliment of banking services, everything from Gold Visa cards to mortgages. Economist Henry George argued that financial instruments like stocks, bonds, mortgages, promissory notes, or other certificates for transferring wealth is not really capital. Market activity is set to increase further next year, with around 950,000 sales taking place and PS156bn worth of mortgages advanced, the CML predicted. Among the activities that are listed as haram are certain interest-related, fixed-income securities such as mortgages, credit card debt and loans. The relatively stable performance and low charge-offs of commercial mortgages through the recent recession, however, have helped, rather than hurt, the stability of banks. Upon receiving proceeds from the sale or other disposition of mortgages, AIM 86 reinvests net principal proceeds in fully insured multifamily mortgages. Examples from Classical Literature What is the cost for amortisation in the long mortgages on property in the country? Why not leave it and the goods on it to her and take the mortgages and bonds with him? Lower interest rates have brought down the cost of home mortgages, car payments and credit card rates to ordinary citizens. He has muscles all over him like a prizefighter just from lifting mortgages. Large sums were raised by the foreclosing of mortgages, and not only by the sale but the resale of offices. Living in present tense, people take out mortgages they can't pay, governments rack up debt and corporations deplete resources. What with mortgages and arrears, I'm as short o' cash as a roadside pauper. I remember a cruel moneyed man in the country, that would say, The devil take this usury, it keeps us from forfeitures, of mortgages and bonds. Andrew Clothier was named national winner of the mortgages and capital raising category of Planned Savings IFA of the Year awards in London. This boasts of being one of the UK's leading firms when it comes to getting compo from mis-sold mortgages and payment protection insurance. According to Oteh, Nigeria needed to move 20,000 to 50,000 mortgages from bank balance sheets. The reality is, in the great majority of cases, no-point mortgages end up costing home-buyers significantly more than those with points. Barclay had figured out the seed money from the sale of the mortgages. Old Stapleton, the attorney in Fleet Street, has most of the mortgages. The Black Hawk money-lender who held mortgages on Peter's livestock was there, and he bought in the sale notes at about fifty cents on the dollar. When Greenspan moves up the fed funds rate, the interest banks pay to borrow money from each other, interest charged for loans like adjustable mortgages move up too. Two-thirds of my income goes in paying the interest of mortgages. The evidence, however, indicates that in terms of risk holdings of such mortgages, Fannie Mae and Freddie Mac did not outperform private-sector entities such as depositories. His entire fortune had consisted of only two thousand pounds, and though it had been invested in mortgages at five per cent, he had not been able to live on the interest. Hearn, who owns two homes, one of which he rents out, claimed he had used the money to help pay the mortgages after losing his job as a teacher due to cluster headaches. Find more words! 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Words that rhyme with mortgages What is the adjective for mortgages? What is the noun for mortgages? Use our Sentence Generator Nearby Words mortgager mortgagees mortgagee mortgaged mortgageable mortgage mortgaging mortgagor mortice mortician mortification mortifications 9-letter Words Starting With m mo mor mort mortg mortga mortgag mortgage