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ARM

Adjustable rate mortgage

APR

Annual percentage rate

CRV

Certificate of Reasonable Value

ECOA

Equal Credit Opportunity Act

FHA

Federal Housing Administration

FHLBB

Federal Home Loan Bank Board

FHLMC

Federal Home Loan Mortgage Corporation (a.k.a. "Freddie Mac")

FmHA

Farmers Home Administration

FNMA

Federal National Mortgage Association (a.k.a. "Fannie Mae")

GNMA

Government National Mortgage Association

GPM

Graduated Payment Mortgage

GPO

Guaranteed Purchase Offer

LTV

Loan to Value Ratio

MIP

Mortgage Insurance Premium

OTS

Office of Thrift Supervision

PITI

Principle, Interest, Taxes and Insurance

PMI

Private Mortgage Insurance

RAM

Reverse Annuity Mortgage

RESPA

Real Estate Settlement Procedures Act

SAM

Shared Appreciation Mortgage

SFR

Single Family Housing

VOD

Verification of Deposit

VOE

Verification of Employment

VRM

Variable Rate Mortgage