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Understanding Credit Enhancement Programs

Understanding Credit Enhancement Programs A method whereby a company attempts to improve its debt or credit worthiness. Through credit enhancement, the lender is provided with reassurance that the borrower will honor the obligation through additional collateral, insurance, or a third party guarantee. Credit enhancement reduces credit/default risk of a debt, thereby increasing the overall credit…

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Loan to Value Ratio

A Loan to value ratio (LTV) tells you how much of a property you own – and how much you’re borrowing. The ratio is used for several types of loans, including home and auto loans (both purchases and refinances). The LTV ratio is calculated by dividing the amount of your loan into the total value…

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Understanding Deficiency Judgments

Deficiency judgment are court orders that make you personally liable for unpaid debt. They are often associated with foreclosures, when a home’s selling price is not enough to cover the loan balance. They can also be an issue with automobiles taken in repossession. Let’s take a closer look at what deficiency judgments are and if…

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Bank Levy Basics

When you owe money, creditors may use a bank levy to collect. They can’t get you to pay, but they can try to take money from your accounts. By using a bank levy, creditors have your assets frozen and paid to them so you can’t spend the money. Bank Levy Basics A bank levy happens…

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Non-recourse loan and a recourse loan?

When you borrow money, it’s important to understand what’s at risk. What happens if you fail to repay the loan?  If it’s a recourse loan, the lender/ investor can come after you , as apposed to simply going after the collateral (the collateral might be property you purchased with the loan proceeds.  With a non-recourse…

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6 C’s Of Commercial Credit

What You Need To Know Regarding Commercial Credit . Commercial lenders are in business to make money. Consequently, when a commercial loan lender lends money it wants to ensure that it will be paid back. The lender considers, the 6 “C’s” of Credit each time a loan is considered.  1. Capacity Capacity to repay is…

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5 Reasons To Invest In MultiFamily Properties

When most people hear about the millions of dollars investors buying and selling real estate, the majority of them think about homes and duplexes. That’s because nearly everyone starts in the single family market. But they don’t have to! The main reason investors start out buying homes is because they’ve heard all the stories or watched…

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What Are Multi Family Properties/

What Are Multifamily Properties? Multi family is legally defined as a building or structure that is designed to house “several different families” in separate housing units. The most common type of multifamily housing is an apartment building. Duplexes, quadruplexes, and town homes also qualify as multifamily housing. The entire building or structure may be owned by…

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