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additional agencies agreement amortization amount annual annual percentage rate applicant appraisal assets balance bonds borrower buyer cash flow chapter commercial banks commitment construction loan contract costs debt service default deposits discount equity expenses Federal Home Loan Federal Reserve Federal Reserve System FHLMC financing FNMA foreclosure funds gap financing GNMA guaranteed housing improvements increased institutions insurance companies interest rate investor land lease lending leverage liability liens limited loan associations loan term loan-to-value ratio long-term mobile home monthly mortgage banker mortgage lenders mortgage loans mortgage market mortgage payments mortgagor mutual savings banks obtain operating option original owner ownership partnership period permanent loan principal private mortgage insurance purchase real estate investments real property rental repayment residential savings and loan second mortgage Section seller SHFAs short-term single-family specified tenant title insurance trust underwriting veteran