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What is a Mortgagor?
The mortgagor is the borrower in a mortgagor/mortgagee relationship, where the mortgagee is the lending institution that makes the mortgage loan. Mortgages are used to purchase real property, usually single family homes.
The purchase of a home with a mortgage and the payments on the mortgage are one of the largest financial decisions or obligations that a mortgagor will ever make.
If a mortgagor is delinquent on payments, he or she might be categorized as a home debtor, and the loan would be subject to foreclosure. If there is a foreclosure, the bank or lender will reposes the house, evict the former owner, and sell the house as quickly as possible, sometimes through an auction.
Other arrangements may be possible, such as a forbearance, where the mortgagor is given a temporary respite from making mortgage loan payments, to give him or her time to regroup after a financially devastating event such as a period of unemployment or the loss of a spouse.
Mortgages can also be modified or refinanced to change the structure of the loan’s components, which includes, principal payments, interest payments, a length of time and intervals in which the loan must be repaid, and there may be a variable component in which the interest due is pegged to some interest rate benchmark.
Fixed rate mortgages do not change, while adjustable rate mortgages (ARMs) or variable rate mortgages do.
What is IRS Publication 334, Tax Guide for Small Business?
There are many nuances to filing taxes, and many kinds of small businesses, so this form comes into use quite often
What are foreign exchange reserves?
Central banks and sometimes other banks and large corporations, hold reserves in foreign currencies as a hedge
What is Dividend Capture?
Dividend capture is a strategy similar to dividend arbitrage that seeks to reap incremental gains somewhat reliably...
What is Volatility?
Volatility is a measure of the variance, deviation, or movement of a stock. Volatility is all the extra movement of a...
How often do I need to rebalance my portfolio?
There are different methods and theories about rebalancing, and the answer is basically “it depends.” There’s no set rule
What does 'call option' mean?
If you own a Call Option, you have the right (not the obligation) to purchase a security at an agreed-upon price
What is accommodation trading?
Accommodation Trading is when two traders enter into a non-competitive trade agreement which disregards the current price
How Do I Prepare a Will?
More complicated wills usually require the help of an attorney who can help you and guide you through the process
What is the Equity Risk Premium?
The Equity Risk Premium (aka, Equity Premium) is the expected return of the stock market over the risk-free rate (U.S. Treasuries).
A/A2 — credit rating
The A/A2 rating is considered Upper Medium Investment Grade. The reason there are two ratings separated by a slash...