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Mortgage Origination Program (MOP): MOP was established by The Regents of the University of California in 1984 and utilizes funds from the unrestricted portion of the University's Short-Term Investment Pool (STIP) to make variable interest rate first deed of trust loans of up to 30 years in length to eligible Faculty and members of the Senior Management Group.
The program provides loans at maximum amounts of 80 to 90 of value, depending upon loan size, with the initial interest rate equal to the most recently available four-quarter average rate of return of STIP, plus a servicing fee of one-quarter of one percent.
The maximum annual adjustment of the interest rate for a loan, upward or downward, is one percent. Mortgagee: A lender or creditor who holds a mortgage or Deed of Trust. Mortgagor: A borrower who is obligated to pay on cash advance michigan rd mortgage or Deed of Trust.
Net Income: The monthly salary paid to a borrower after deducting any Federal andor State payroll taxes. Notice of Completion : Documentation, cash advance michigan rd from a termite company, stating that required repairs have been completed.
Sometimes called a clear termite report. May also refer to work completed by a contractor for other, non-termite related work done on a property.