by Ethan Atkinson | May 15, 2026 | A-E, PropertyPedia
Combined Loan-to-Value (“CLTV”) is a mortgage lending ratio used to measure the total amount of debt secured by a property compared to the property’s appraised value or purchase price, whichever is lower. Unlike the standard Loan-to-Value (“LTV”) ratio, which...
by Ethan Atkinson | May 15, 2026 | A-E, PropertyPedia
The Equal Credit Opportunity Act (“ECOA”) is a federal civil rights law enacted in 1974 that prohibits discrimination in any aspect of a credit transaction. Implemented through Regulation B, ECOA applies to creditors involved in consumer and commercial lending,...
by Ethan Atkinson | May 15, 2026 | A-E, PropertyPedia
The Consumer Handbook on Adjustable-Rate Mortgages (“CHARM Booklet”) is a consumer disclosure document developed by federal regulatory agencies to help borrowers understand adjustable-rate mortgage (“ARM”) loans and the risks associated with them. Mortgage lenders are...
by Ethan Atkinson | Apr 7, 2026 | A-E, PropertyPedia
A blended interest rate is the weighted average rate applied when a borrower has multiple loans or financing components secured by the same property. It reflects the combined cost of borrowing across different interest rates, loan balances, and terms. The calculation...
by Ethan Atkinson | Apr 7, 2026 | A-E, PropertyPedia
After-repair value (ARV) is a real estate valuation concept used to estimate the market value of a property after planned renovations, repairs, or improvements have been completed. It is commonly applied in investment contexts, particularly with properties that are...
by Ethan Atkinson | Mar 19, 2026 | A-E, PropertyPedia
Cross-collateral loans are primarily used in commercial real estate, but are growing in popularity in residential real estate. Cross-collateral loans in residential real estate are a financing strategy that allows a homeowner to use more than one property as security...
