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2. Lender-paid mortgage insurance (LPMI): What is it and how ...

   www.aol.com/finance/lender-paid-mortgage...

   Key takeaways. Lender-paid mortgage insurance (LPMI) is an option for borrowers who cannot afford a 20 percent down payment on a home. In this arrangement, the lender covers the cost of the ...

3. Credit rating agencies and the subprime crisis - Wikipedia

   en.wikipedia.org/wiki/Credit_rating_agencies_and...

   Credit rating agencies (CRAs)—firms which rate debt instruments / securities according to the debtor's ability to pay lenders back—played a significant role at various stages in the American subprime mortgage crisis of 2007–2008 that led to the great recession of 2008–2009 . The new, complex securities of "structured finance" used to ...

4. How to Avoid PMI - AOL

   www.aol.com/finance/avoid-pmi-163543476.html

   How to Completely Avoid PMI. How to Avoid PMI on Your Mortgage. The simplest way to avoid PMI is to make a down payment of at least 20% of the purchase price. With home sale prices averaging well ...

5. Consumer Reports - Wikipedia

   en.wikipedia.org/wiki/Consumer_Reports

   592. Website. www .consumerreports .org. Consumer Reports ( CR ), formerly Consumers Union ( CU ), is an American nonprofit consumer organization dedicated to independent product testing, investigative journalism, consumer-oriented research, public education, and consumer advocacy. [2] Founded in 1936, CR was created to serve as a source of ...

6. Mortgage underwriting in the United States - Wikipedia

   en.wikipedia.org/wiki/Mortgage_underwriting_in...

   Mortgage underwriting is the process a lender uses to determine if the risk of offering a mortgage loan to a particular borrower under certain parameters is acceptable. Most of the risks and terms that underwriters consider fall under the three C's of underwriting: credit, capacity and collateral . To help the underwriter assess the quality of ...

7. Insurance company ratings explained - AOL

   www.aol.com/finance/insurance-company-ratings...

   They rate the ability and willingness of companies to meet their financial obligations on time and in full. Or, in other words, they rate the likelihood that an insurance company can and will pay ...