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Daily Periodic Rate

A daily periodic interest rate is calculated by dividing the annual percentage rate, or APR, by either 360 or 365. The...

Debt Consolidation

Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others. Common loans people want to consolidate are high...

Deductible

Deductibles are commonly used with insurance policies where the deductible is the amount of expenses that must be paid out of pocket before an insurer will...

Deed

The document by which title to real property is transferred or conveyed from one party to another.

Draw Period

A Home Equity Line of Credit (HELOC) begins with a 2- or 5-year draw period, when you can access the funds in your credit line...

Equity

Equity is the difference between what you owe on your mortgage and what your home is worth.

Federal Home Loan Bank WISH Program

Learn more about the FHLB's WISH Program offering downpayment and closing cost assistance for home buyers.

Fixed Interest Rate

A fixed interest rate loan is a loan where the interest rate doesn't fluctuate during the fixed-rate period of the loan. This allows the borrower to...

Fixed Rate Mortgage

A mortgage in which the interest rate, principal, and interest payments remain the same for the life of the loan.

Floor Rate

An interest rate floor is the minimum interest rate possible for an interest rate associated with a loan.

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