An easy way to find information about commercial real estate lending, business finance and home financing is to click the appropriate link below. 

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  • Commercial R. E. Lending
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  • Commercial R. E. - Rent Roll
• FAQs
  • Ask FCS
  • How can I reduce my monthly payment?
  • What will my interest rate be?
  • How long does it take to close a residential loan? 
  • What options are available to my company other than a business loan?
  • Calculators
  • How much is your monthly payment?
  • How much house can you afford?
  • Is now a good time to refinance?

  • Determine Your Tax Savings

  • Rent vs. Buy

  • What monthly payment is needed for a house with a specific sales price?

  • Fixed or adjustable rate mortgage?
  • 15 or 30 year term?
  • Down payment
  • Commercial Loan Glossary
  • What is a AAA tenant?
  • What is an absorption rate?
  • What is an acceleration clause?
  • What is the American Land Title Association (ALTA)?
  • What is an anchor tenant?
  • What is an annual loan constant?
  • What is arbitrage?
  • What is an assumption?
  • What is an attornment?
  • What is a basis point?
  • What is a bridge loan?
  • What is the Building Owners & Managers Association (BOMA)?
  • What are capital (reserve) expenditures?
  • What is capitalization?
  • What is a capitalization rate?
  • What is a carve-out?
  • What is a conduit?
  • What is the cost approach found in an Appraisal?
  • What is a credit rating?
  • Residential Glossary

  • What is acceleration?

  • What is accrued interest?

  • What is an adjustable rate?
  • What is an adjustable rate mortgage?
  • What is an adjustment interval?
  • What are Affordable Housing Programs?
  • What is alternative documentation?
  • What is amortization?
  • What is the annual percentage rate (APR)?
  • What is an Appraisal Report?
  • What is appreciation?
  • What is assumability?
  • What is an assumption?
  • What is a balloon loan?
  • What is a blanket mortgage?
  • What is a broker?
  • What is meant by cash out?
  • What is a Certificate of Occupancy?
  • What is a closing?
  • What are closing costs?
  • What is collateral?
  • What is a Commitment?
  • What is community property?
  • What are conditions, covenants and restrictions?
  • What is a conforming loan?
  • What is the Constant Maturity Treasury?
  • What is a construction loan?
  • What is a conventional loan?
  • What is the Cost of Funds Index (COFI)?
  • What is a credit report?

  • What is debt service?

  • What is the debt-to-income ratio?

  • What is a deed?

  • What is a default?
  • What is deferred interest? 
  • What are discount points?
  • What is the down payment?
  • What does due on sale mean?
  • What is earnest money?
  • What is an easement?
  • What is an effective interest rate? 
  • What is an encumbrance?
  • What is the Equal Credit Opportunity Act (ECOA)?
  • What is equity?
  • What is an escrow account?
  • What is the Fair Credit Reporting Act?
  • What is meant by a first mortgage?
  • What are 5/25 and 7/23 loans?
  • What is a fixed rate loan?
  • What is forbearance?
  • What is a foreclosure?
  • What is a Good Faith Estimate? 
  • What is a grace period?
  • What is a graduated mortgage payment?
  • What is gross income? 
  • What is a HUD-1 Settlement Statement?
  • What is a Home Equity Line of Credit (HELOC)?
  • What is an index?
  • What is an interest adjustment or prepaid interest?

  • What is an interest rate cap?

  • What is joint tenancy?
  • What is LIBOR (London Interbank Offered Rate)?
  • What's a late charge?
  • What is loan to value ratio (LTV)?
  • What is a lock or lock-in?
  • What is a margin?
  • What is a mortgage note?
  • What is a mortgagee?
  • What is a mortgagor?
  • What is negative amortization?
  • What is a Notice of Default?
  • What is an origination fee?
  • What is owner financing?
  • What is an owner's title policy?
  • What is PITI?
  • What is a payment cap?
  • What is a payoff statement?
  • What is per diem interest?
  • What is a permanent loan?
  • What is a Power of Attorney?
  • What are prepaid expenses?
  • What is prepaid interest?
  • What is prepayment?
  • What is a prepayment penalty?
  • What does priority of claims mean?
  • What is private mortgage insurance (PMI)?
  • What is a processing fee?
  • What is RESPA?
  • What are recording fees?
  • What does refinancing mean?

  • What is a right of recission?

  • What is a satisfaction?
  • What is a seller carryback (also known as purchase money financing)?
  • What is a settlement sheet?
  • What is a survey?
  • What is tenancy by the entirety?
  • What is tenancy in common?
  • What is a title?
  • What is title insurance?
  • What is a transfer tax?
  • What is the Truth-In-Lending Act?
  • What is the underwriting process?
  • What is a VOD (Verification of Deposit)?
  • What is a VOE (Verification of Employment)?
  • What is vesting?
  • What is a walk-through?
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