Index

Numbers

15-year fixed rate mortgages
30-year fixed rate mortgages
5 Cs of credit
80/20 rule (Pareto Principle)

A

accounting software
adjustable-rate mortgages. See ARMs
adjustment period
ADP (Automatic Data Processing)
affiliate membership (professional associations)
affordability gap, low-income and minority clients
America’s Job Bank
American Bar Association
American Dream Commitment (Fannie Mae)
Community Home Lending mortgage products
community land trusts
FannieNeighbors
forty-year mortgages
lease-purchase option
American Dream Downpayment Act
American Housing Survey
amortization
annual percentage rate (APR)
annually adjustable interest rate (HECM)
antispam protection
antivirus protection
application process
appraisals
down payments
Equal Credit Opportunity Act
locking in mortgage rates
mortgage insurance
piggyback loans
PMI (private mortgage insurance)
SingleFile alternative
title insurance
title search
Truth in Lending (TIL)
Appraisal Institute
appraisals
APR (annual percentage rate)
ARMs (adjustable rate mortgages)
appropriate clients
caps
carryover increases
index rates
interest only
margin
negative amortization
points
prepayment and conversion considerations
assets, lender financial profiles
automobiles
businesses owned
life insurance
liquid assets
real estate owned
retirement funds
stocks and bonds
assumption (Truth in Lending statement)
automatic backup (computer software)
Automatic Data Processing (ADP)
automobiles
as asset
insurance (business ownership)

B

back end ratios
balance of work and life
bank accounts, liquid assets
bankruptcy
Basic 7(a) Loan Guaranty (SBA)
basis points (BPs)
Benevolent and Protective Order of the Elks of the USA
Birkman Method
Interest and Style Summary
Birkman Colors
Lifestyle Grid
BLS (Bureau of Labor Statistics)
Bluetooth solution (cell phones)
bonuses
employee retention
financial
BPs (basis points)
brokers
assessment of interests and style
business ownership
business plans
buying an existing company
characteristics of owners
financing your business
hiring employees
insurance
marketing
characteristics of successful brokers
competition with banks
defining
evaluating firms
company life
corporate culture
instinct
operations managers
builders, networking opportunities
Bureau of Labor Statistics (BLS)
Business Interruption insurance (business ownership)
business ownership
business plans
concluding statement
financial management
introduction
marketing
operations
buying an existing company
characteristics of owners
financing your business
collateral
lenders
hiring employees
mortgage originators
outsourcing
rainmaker syndrome
retention
insurance
marketing
cable television and local radio
direct mail
feedback
Internet
planning
refining message
signage and print advertising
mentors
time management
outside professionals and lenders
problem co-workers and bosses
business-oriented community groups

C

cable television, marketing your business
calculations, points
caps (adjustable rate mortgages)
Career Magazine
CareerBuilder
carryover increases (adjustable rate mortgages)
cash flow management
cashing out, refinancing
cell phones
Bluetooth solution
combined with PDAs
etiquette
quality and characteristics
Ceridian
check writing software
clerical workers
client financing of points
closing costs, refinancing
clouds on title
CLTs (community land trusts)
CLTV (combined loan-to-value)
CMS (content management system)
collateral, financing businesses
College Grad
Colors (Birkman Interest and Style Summary)
combined loan-to-value (CLTV)
commercial mortgages
commercial real estate
commission
draws against
splits
communication, networking
Community Home Lending mortgage products (Fannie Mae)
community land trusts (Fannie Mae)
company life, evaluation of firms
computers
laptops
software
concluding statement (business plans)
condominiums
condotels
conference calling feature (cell phones)
confidence gap, low-income and minority clients
conforming loans
Consumer Price Index (CPI)
content management system (CMS)
Content-Targeted Advertising (search engines)
continuing education programs
conversion considerations (adjustable rate mortgages)
cooperatives
financing
leasing
limited-equity
market-rate housing
copiers
corporate culture
Cost of Funds Index
Cost-Per-Click (search engines)
cover letters
CPI (Consumer Price Index)
CPS (Current Population Survey)
credit
gap, low-income and minority clients
reports
scores
credit union accounts, liquid assets
criminal background checks
culture, corporate
Current Population Survey
(CPS)

D

Debt Consolidation Calculator
deductions, points
deferred payment loans (DPLs)
dependent personal services income
depository institutions
Desktop Organizer (Fannie Mae)
Desktop Underwriter (Fannie Mae)
direct mail, marketing your business
disability insurance
discount interest rate
divorce, liabilities
down payments
gift assistance programs
sources of funding
DPLs (deferred payment loans)
draws against commission

E

e-mail
marketing
time management
ECI (Employment Cost Index)
economic trends
CPI (Consumer Price Index)
employment numbers
Federal Reserve
PPI (Producer Price Index)
stock market
Ten-Year Treasury Bills
educational requirements
eligibility, HECM (home equity conversion mortgage)
employees, hiring business employees
mortgage originators
outsourcing
rainmaker syndrome
retention
Employment Cost Index (ECI)
Employment Guide’s Career Web
employment numbers, economic trends
English Hispanics
entrepreneurial spirit
entry-level brokers
Equal Credit Opportunity Act
equipment, organizing your business
cell phones
computers
copiers
fax machines
PDAs
printers
scanners
etiquette, cell phones
evaluation of firms
company life
corporate culture
instinct
exams (licensing)
Excel
expansion of mortgage industry
expenses, promotional giveaways
experienced mortgage professionals

F

Families and Work Institute study
Fannie Mae (Federal National Mortgage Association)
American Dream Commitment
Community Home Lending mortgage products
community land trusts
FannieNeighbors
forty-year mortgages
lease-purchase option
Desktop Originator
Desktop Underwriter
history and development
Property GeoCoder
versus Freddie Mac
FannieNeighbors
fax machines
Federal Home Loan Mortgage Corporation. See Freddie Mac
Federal Housing Administration (FHA)
federal limits, HECM (home equity conversion mortgage)
Federal National Mortgage Association. See Fannie Mae
Federal Reserve, discount interest rate
Federal Truth-in-Lending Disclosure Statement
feedback, marketing strategies
FHA (Federal Housing Administration)
filing fees (Truth in Lending statement)
finances
bonuses
cash flow management
commission
management (business plans)
financial profiles
assets
automobiles
businesses owned
life insurance
liquid assets
real estate owned
retirement funds
stocks and bonds
back end ratios
case study
credit reports
credit score
front end ratios
income
liabilities
ratios
financial rewards
basis points
commission
splits
financing
businesses
collateral
lenders
HECM (home equity conversion mortgage)
nonconforming mortgage market
condotels
cooperatives
multi-family housing
points
firewalls
firms, evaluation of
company life
corporate culture
instinct
fixed-rate mortgages
flexible hours
flip tax
float down
foreign language abilities
forty-year mortgages (Fannie Mae)
four-family properties
Freddie Mac (Federal Home Loan Mortgage Corporation)
history and development
Loan Prospector
versus Fannie Mae
front end ratios
funding down payments

G

GDP (Gross Domestic Product)
Georgetown University Credit Research Center report
gift assistance programs (down payments)
Ginnie Mae (Government National Mortgage Association)
government monitoring, mortgage application process
Government National Mortgage Association (Ginnie Mae)
government-sponsored enterprises. See GSEs
Gross Domestic Product (GDP)
GSEs (government-sponsored enterprises)
Fannie Mae
Freddie Mac
guarantors

H

health insurance
HECM (home equity conversion mortgage)
amount of the loan
eligibility
federal limits
financing costs
interest rates
methods of payout
refinancing
repayment protocol
total annual loan cost (TALC)
HELOC (home equity line of credit)
drawing money
rates
repayment protocol
requirements
hiring employees (business ownership)
mortgage originators
outsourcing
rainmaker syndrome
retention
history of mortgage markets
Fannie Mae
FHA (Federal Housing Administration)
Freddie Mac
Ginnie Mae
home equity
home equity conversion mortgage. See HECM
home equity line of credit. See HELOC
home equity loans
home office insurance (business ownership)
home ownership
investment opportunity rates
Homeownership Alliance
housing market
hybrid mortgages

I

ICE (Institute for Community Economics)
immigrant population
incentives, employee retention
income
bonuses
cash flow management
commission
lender financial profiles
index rates (adjustable rate mortgages)
indices
information gap, low-income and minority clients
infoUSA
installment accounts
Institute for Community Economics (ICE)
insurance
business ownership
disability
health
life
mortgage
piggyback loans
PMI (private mortgage insurance)
SingleFile alternative
termination
title
Truth in Lending statement
interest-only ARMs (adjustable rate mortgages)
interest-only mortgages
interest rates
discount interest rates
HECM (home equity conversion mortgage)
international secondary mortgage market
interviews
attire
handling difficult questions
post-interview tips
preparation
questions to ask the interviewer
introduction (business plans)

J

Job Bank USA
job searches
cover letters
criminal background checks
interviews
attire
handling difficult questions
post-interview tips
preparation
questions to ask the interviewer
networking
references
resumé
where to look

K-L

Kelly, Kate
Key Man policy
Kiwanis International
 
laptop computers
large-scale multi-family housing
lease-purchase option (Fannie Mae)
leasing co-ops
lenders
competition with banks
cultivation of relationships
financial profiles
assets
back end ratios
case study
credit reports
credit score
front end ratios
income
liabilities
ratios
financing businesses
relationship with
liabilities
liability insurance (business ownership)
LIBOR (London International Bank Offering Rate)
licensing requirements
exam
obtaining additional licenses
life insurance
Lifestyle Grid (Birkman Interest and Style Summary)
limited-equity co-ops
line of credit payment (HECM)
Lions Club International
liquid assets
loan officers
loan processors
Loan Prospector (Freddie Mac)
loan-to-value (LTV)
loans
adjustable-rate mortgages. See ARMs
comparisons
conforming loans
fixed-rate mortgages
HELOC
hybrid mortgages
piggyback loans
pre-approval. See pre-approval
pre-qualification
second mortgages
senior citizens. See senior citizens
standard home equity loans
local housing market
local radio, marketing your business
locking in mortgage rates
London International Bank Offering Rate (LIBOR)
low-income clients
affordability gap
confidence gap
credit gap
down payment gift assistance programs
Fannie Mae
Community Home Lending mortgage products
community land trusts
FannieNeighbors
forty-year mortgages
lease-purchase option
information gap
subprime market
LTV (loan-to-value)
lump sum payment (HECM)

M

mail, marketing your business
management
contacts
time management
costing out your time
effective reading
goals
handling e-mail
Pareto Principle
spending money to make money
telephone calls
toxic business relationships
mandatory rental pools
margin (adjustable rate mortgages)
market-rate housing co-ops
marketing strategies (business ownership)
cable television and local radio
direct mail
feedback
Internet
business name
search engines
tracking tools
updating website
planning
refining message
signage and print advertising
markets, mortgage markets
history
Fannie Mae
FHA (Federal Housing Administration)
Freddie Mac
Ginnie Mae
mortgage-backed securities
primary mortgage markets
secondary mortgage markets
MBSs (mortgage-backed securities)
mentors
benefits of
characteristics
locating
methods of payout, HECM (home equity conversion mortgage)
Microsoft Small Business Center
minority clients
affordability gap
confidence gap
credit gap
down payment gift assistance programs
Fannie Mae’s commitment
Community Home Lending mortgage products
community land trusts
FannieNeighbors
forty-year mortgages
lease-purchase option
homeownership rates
information gap
networking
subprime market
MIP (mortgage insurance premium)
modified tenure payment (HECM)
modified term payment (HECM)
Monster website
monthly adjustable interest rate (HECM)
Monthly Payment Calculator
mortgage insurance premium (MIP)
mortgage markets
history
Fannie Mae
FHA (Federal Housing Administration)
Freddie Mac
Ginnie Mae
mortgage-backed securities
primary mortgage markets
secondary mortgage markets
Mortgage Payment Calculator
Mortgage Qualification Calculator
mortgage-backed securities (MBSs)
mortgages
application process
appraisals
down payments
Equal Credit Opportunity Act
locking in mortgage rates
mortgage insurance
title insurance
title search
Truth in Lending (TIL)
bankers
brokers. See brokers
insurance
piggyback loans
PMI (private mortgage insurance)
SingleFile alternative
termination
originators
products
adjustable-rate mortgages
comparisons
fixed-rate mortgages
hybrid mortgages
no cash-out
proprietary reverse mortgages
reverse
reverse mortgages
second
multi-family dwellings

N

naming your business
National Association of Mortgage Brokers (NAMB)
national economic trends
CPI (Consumer Price Index)
employment numbers
Federal Reserve
PPI (Producer Price Index)
stock market
Ten-Year Treasury Bills
National Federation of Independent Business survey
National Foundation for Science, The, Birkman Method
National Housing Act, Section 203b
National Reverse Mortgage Lenders Association
negative amortization (adjustable rate mortgages)
negative points
networking
business-oriented community groups
communication
job searches
managing contacts
minority groups
opportunities
professional associations
realtors and builders
women
New York Consolidation, Extension, and Modification Form (NY CEMA)
no cash-out mortgages
nonconforming mortgage market
condotels
cooperatives
financing
leasing co-ops
limited-equity co-ops
market-rate housing co-ops
multi-family housing
NY CEMA (New York Consolidation, Extension, and Modification Form)

O

officers (loan officers)
on-the-job training
open houses
operations (business plans)
operations managers
option ARMs
origination fee (HECM)
originators (mortgage)
Outlook Express
outsourcing jobs
ownership
home ownership
investment opportunity rates
mortgage business
business plans
buying an existing company
characteristics of owners
financing your business
hiring employees
insurance
marketing

P

par rate
Pareto Principle (80/20 rule)
password manager software
Pay-Per-Click (search engines)
payout options, HECM (home equity conversion mortgage)
payroll
business ownership
service companies
PDAs (Personal Digital Assistants)
periodic caps (ARMs)
Personal Digital Assistants (PDAs)
personal relationships
personal rewards
entrepreneurial spirit
flexible hours
professional growth opportunities
personal services income
personality assessment (Birkman Method), Interest and Style Summary
piggyback loans
PIH (Public and Indian Housing)
PITI (principal, interest, taxes, and insurance)
PMI (private mortgage insurance)
PMI Group
points
ARMs (adjustable rate mortgages)
calculations
client financing
negative
refinancing
tax implications
deductions
refinancing
portable printers
post-interview tips
PowerPoint
PPI (Producer Price Index)
pre-approval (loans)
credit reports
credit score
financial profiles
assets
back end ratios
case study
front end ratios
income
liabilities
ratios
pre-qualification (loans)
prepayment
adjustable-rate mortgages
Truth in Lending statement
Primary Mortgage Market Survey
primary mortgage markets
principal, interest, taxes, and insurance (PITI)
print advertising, marketing your business
printers
private mortgage insurance (PMI)
private-label securities
pro rata share (cooperatives)
Producer Price Index (PPI)
professional associations
professional educational requirements
professional growth opportunities
professional mortgage brokers
profiles
financial
assets
back end ratios
case study
credit reports
credit score
front end ratios
income
liabilities
ratios
successful brokers
projections for the future, Homeownership Alliance
promotional giveaways
Property GeoCoder (Fannie Mae)
property insurance (business ownership)
property tax deferrals (PTDs)
proprietary reverse mortgages
PTDs (property tax deferrals)
Public and Indian Housing (PIH)
public interest, low-income clients
affordability gap
confidence gap
credit gap
down payment gift assistance programs
Fannie Mae’s commitment
information gap
subprime market
Public Opinion Strategies

Q-R

qualifications
quitclaim deed
 
radio, marketing your business
rainmakers
rate ceiling (ARMs)
rates, HELOC (home equity line of credit)
real estate
as asset
commercial
realtors, networking opportunities
recording fees (Truth in Lending statement)
references
referrals, networking
business-oriented community groups
communication
management of contacts
minority groups
opportunities
professional associations
realtors and builders
women
Refinance Calculator
refinancing
cashing out
closing costs
HECM (home equity conversion mortgage)
points
serial refinancers
when to refinance
regulations
professional educational requirements
state licensing requirements
exam
obtaining additional licenses
Relevant Paid Search (search engines)
repayment protocol
HECM (home equity conversion mortgage)
HELOC (home equity line of credit)
resumé
retention of employees
retirement
benefits
funds
reverse mortgages
revolving accounts
rewards
financial
basis points
commission
splits
personal
entrepreneurial spirit
flexible hours
professional growth opportunities
RHS (Rural Housing Service)
Rotary International
Rural Housing Service (RHS)

S

Savings & Loans accounts, liquid assets
Savings and Loan Associations
SBA (Small Business Administration)
scanners
search engine marketing
second homes
second mortgages
secondary mortgage markets
Section 203b (National Housing Act)
securing a mortgage
appraisals
down payments
Equal Credit Opportunity Act
locking in mortgage rates
mortgage insurance
piggyback loans
PMI (private mortgage insurance)
SingleFile alternative
title insurance
title search
Truth in Lending (TIL)
securities
mortgage-backed securities
private-label
securitization
security interest (Truth in Lending statement)
senior citizens
DPLs (deferred payment loans)
growing market
HECM (home equity conversion mortgage)
amount of the loan
eligibility
federal limits
financing costs
interest rates
methods of payout
refinancing
repayment protocol
total annual loan cost (TALC)
home equity loans
proprietary reverse mortgages
PTDs (property tax deferrals)
reverse mortgages
serial refinancers
Service Corps of Retired Executives
servicing fee (HECM)
SHRM (Society for Human Resources Management)
signage, marketing your business
SingleFile
Small Business Administration (SBA)
Small Business Administration Development Center
Small Business Development Centers
smart phones
Society for Human Resources Management (SHRM)
soft prepayment clauses
software
Spanish Hispanics
splits
sponsors, cooperatives
spyware protection
standard home equity loans
State Bar Association
state licensing requirements exam
obtaining additional licenses
stock market, economic trends
stocks and bonds
subprime market
surety bonds

T

TALC (total annual loan cost)
tax implications, points TCalc
Ten-Year Treasury Bills
tenure payment (HECM)
term payment (HECM)
termination of mortgage insurance
testimonials
tests (licensing exams)
third-party closing costs (HECM)
TIL (Truth in Lending)
time management
costing out your time
effective reading
goals
handling e-mail
Pareto Principle
spending money to make money
telephone calls
toxic business relationships
title insurance
title search
Toastmasters
total annual loan cost (TALC)
tracking tools, business websites
training
Treasury Rate Index
trends in economy
CPI (Consumer Price Index)
employment numbers
Federal Reserve
PPI (Producer Price Index)
stock market
Ten-Year Treasury Bills
Truth in Lending (TIL)
two-family properties

U-V-W

U.S. Treasury Bills
underwriters. See lenders
urban consumers
urban wage earners
 
vacation homes
 
Wells Fargo/Gallup Small Business Index survey
Wizard Academy
women, networking
Women’s Technology Cluster
word processing programs
work-life balance
writing business plans
concluding statement
financial management
introduction
marketing
operations

X-Y-Z

yield spread premium
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