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Annual Percentage Rate (APR)

The annual percentage rate (or APR) is the amount of interest on your total loan amount that you'll pay annually (averaged over the full term of the loan). A...

Appraisal

An opinion or estimate of marketable value. Also refers to the process by which a value estimate is obtained.

Autopay

Setting up automatic payments for credit union loans.

Can I finance the cost of the land with my mortgage?

If you have a loan on your land, we will pay off that lien as part of your construction loan.

Certificate of Occupancy

Written authorization given by a local municipality that allows a newly completed or substantially renovated structure to be inhabited.

Co-Borrower

Any additional borrower(s) whose name(s) appear on loan documents and whose income and credit history are used to qualify for the loan. Under this...

Combined Loan-To-Value (CLTV)

Combined Loan-To-Value ratio (CLTV) is the proportion of loans (secured by a property) in relation to its value. The term "Combined Loan To Value" adds...

Compound Interest

Compound interest is the interest added to the principal of a deposit or loan so that the added interest also earns interest from then on. This addition...

Construction Contract

An agreement between a general contractor and an owner/developer stating the specific duties the general contractor will perform according to blueprints...

Construction Loan Draw

A partial disbursement of the construction loan based on the schedule of payments in the loan agreement.

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