Type
Crossword
Description

80 days delinquent results in what? repossession
Department that can extend Leases? End of Lease
Bank is unable to recover monies owed, and account is charged off. Recovery
System containing all loans? orchid
System with information pertaining to leases? leasemaster
Which type of loans can't have extensions? Simple
Text scams is called what? Smisher
method, amount, date needs to be setup as a what? promise
PPP applications goes to which department? Small business
System used to take DDA payments lift
Escrow questions goes to what department? Mortgage
8089 is what type of payment? prinicple

Mortgage Terms Crossword

Type
Crossword
Description

Home Mortgage ___________ Act Disclosure
Comparison of your loan amount to the value of your home LTV
Percentage of your debt divided by your gross income DTI
Spouse that will only be on title but not on loan NPS
Insurance that protects lenders/investors for losses due to the event of default of a mortgage loan MI
Document that most be provided withing 72 hours of taking an application Loan Estimate
Document provided prior to closing that replaces the HUD-1 and TIL Closing Disclosure
Document filed to show lien with lender is a Deed of _______ Trust
Sketch of a property showing its boundaries Survey
History of the title showing current owners and liens Abstract
Nationwide registraction system for mortgage loan originators SAFE Act
Origination, appraisal, and survey fees are know as _____________ costs. Closing
Insurance protecting the lender is known as a _____________ policy Lenders
We use the borrowers __________ income to qualify them for a loan gross
FHLB stands for _____________ Home Loan Bank Federal
Intergrated Disclosure regulation that went into effect October 3rd, 2015 TRID
Computer generated loan underwriting system AUS
An ___________ account is set up to pay taxes and insurance on a yearly basis Escrow
Right of _____________ gives a borrower 3 days to decide if they wish to continue with a loan Rescission
A Mortgage _____________ is in charge of receiving payments, paying taxes and insurance, etc. Servicer

Sources Of Finance Crossword

Type
Crossword
Description

Something that is borrowed Loan
The ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future. Credit
An ______ occurs when money is withdrawn from a bank account and the available balance goes below zero Overdraft
The goods or merchandise kept on the premises of a shop or warehouse and available for sale or distribution. Stock
The total amount of money being transferred into and out of a business. Cashflow
A legal agreement by which a bank, building society, etc. lends money at interest in exchange for taking title of the debtor's property. Mortgage
Another word for employ. Hire
The action of buying something. Purchase
When you grant property. Leasing
A _________ is a persons regular proffession, occupation or trade. Business

Financial Terms Crossword Puzzle

Type
Crossword
Description

When you’re investing or saving, this is the interest that you earn on the amount you deposit, plus any interest you’ve accumulated over time. Compoundinterest
A number used by banks and other financial institutions to measure a borrower’s credit worthiness. FICOscore
The difference between your assets and liabilities. networth
The process by which you choose what proportion of your portfolio you’d like to dedicate to various asset classes, based on your goals, personal risk tolerance and time horizon. Assetallocation
Commonly referred to as fixed-income securities. Bonds
The increase in the value of an asset or investment — like a stock or real estate — above its original purchase price. Capitalgains
The process of buying or selling securities over time in order to maintain your desired asset allocation. Rebalancing
Also called equities or shares. Stocks
This is the process of paying off your debt in regular installments over a fixed period of time. Amortization
A type of mortgage in which the interest you pay on your outstanding balance rises and falls based on a specific benchmark. ARM
An account held by an impartial third party on behalf of two parties in a transaction. Escrow
A mortgage that carries a fixed interest rate for the entire life of the loan. Fixed-rate mortgage
Employer-sponsored retirement plans, such as pensions, in which the employer promises a specified retirement benefit based on a formula that may include an employee’s earnings history, length of employment and age. Defined-benefit plans
Companies often use these as management incentives. stockoptions
The payments you make to an insurance company in return for protection from financial losses within the scope of your policy. Premium
Used to determine your taxable income, minus any additional IRS-qualified deductions that you’re eligible to take. AGI
A person who is financially dependent on your income, typically a child or an adult relative you may support. Dependent
A standard amount that can be used to reduce your taxable income if you decide not to itemize your deductions. Standarddeduction
A qualified expense that the IRS allows you to subtract from your adjusted gross income, which further reduces your taxable income. Itemizeddeduction
A type of policy that provides additional liability coverage beyond what your home, auto or boat insurance may provide. Umbrellainsurance

Consumer Skills Crossword

Type
Crossword
Description

A person that requires goods or services______________. Consumer
A period in a person's life when he/she has permantly withdrawn from the workforce Retirement
Two for one is an example of an___________. Incentive
Infromation that pertains to money matters Financial information
Factual of statistical pieces of information. Data
Federal agency that deals with consumer protection and influences legislation Federal Trade Commission
Legal agreement Contract
Achieves philosophical goals rather than profit. Nonprofit
Ensures banks and other institutes show detailed information of terms and credits for pruducts such as mortgages. Truth in Lending Act
Things that are borrowed; usuallys it's money that is borrowed. Loans
Someone who rents a house or apartment Tenant
Kind of contract that compromises renting land, buildings, etc. Lease
Someone who rents out a house or apartment. Landlord
Payment or series of payments made by a person who temporarily occupies land or property Rent
Letting someone live in with you and take care of the lease Sublease
_____________ termination is under early certain conditions the tenant may leave the rented residence before the lease ends Early
To ensure compliance with a law or regulation Enforces
Someone who is misleading; Dishonest Deceptive
Legal ________________ is a contract that is enforceable by law Agreement
Individual(s) that pretend to be you. Identity Theft
Compilation of an individual's credit history Credit Report
Type of scam when thieves go through your garbage to steal banking information Dumpster diving
Type of scam when dishonest salesmen use a special devise to steal credit card information when processing your credit card Skimming
Type of scam when thieves use software to aquires your personal information via technology. Hacking
Provides benefits for groups such as the elderly and unemployed. Social Security

Mortgage Word Search

Type
Word Search
Description

income and debt
right to cancel
TRID
underwriting approval
mortgage insurance
automated underwriting
adjustable rate mortgage
appraised value
Cert of Delivery of Value
ECOA
loan estimate
closing disclosure
escrow
principal reduction
interest rate
lock agreement
qualified mortgage
flood insurance
hazard insurance
wire instructions
bailee letter
flood determination
appraisal
down payment
security instrument
title
payoff
Loan
High Cost testing
USDA
FHA
VA
Dodd Frank

credit & debt vocabulary Crossword

Type
Crossword
Description

fee charged by a credit card company for the use of their credit card annual fee
cost of borrowing money on an annual basis; takes into account the interest rate and other related fees on a loan APR
tool used to finance a purchase credit card
preferred method of debt repayment; includes a list of all debts organized from smallest to largest balance; minimum payments are made to all debts except for the smallest, which is attacked with the largest possible payments debt snowball
type of card, often bearing the seal of a major credit card company, issued by a bank and used to make purchases. unlike a credit card, the money comes directly from a checking account; also called a check card debit card
act of combining all debts into one monthly payment, typically extending the terms and the length of time required to pay the debt debt consolidation
a fee for the cost of credit or borrowing finance charge
process by which the holder of a mortgage sells the property of a homeowner who has not made interest and/or annual payments on the time as stipulated in the mortgage contract forclose
time period during which a borrower can pay full balance of credit due with no finance charges grace period
interest rate charged to a customer during the initial stages of a loan introductory rate
amount of money a credit card company issues to the borrower credit limit
a decline in the value of property; opposite of appreciation depreciation
a long-term rental agreement, and a form of secured long-term debt lease
the length of a loan loan term
information that has been passed on but is not true myth
your belief system; the way you see or perceive things paradigm
expense that a taxpayer is allowed to deduct from a taxable income; examples include money paid as home mortgage interest and charitable donations tax deduction

Mortgage Terms Crossword

Type
Crossword
Description

how rates are expressed percentage
name a GSE Fannie mae
what kind of credit report do we pull trimerge
what report is used to determine value appraisal
what IRS form is used to compare income stated to filed 4506t
what type of insurance is required to be paid 12 months in advance hazard
what is an EMD earnest money deposit
if a porperty is in zone x what is required flood insurance
what type of insurance is required for a condo ho6
if a second perso is applying for a loan, they are a coborrower
what type of income document does a salaried borrower recieve w2
what do borrowers provide to prove assets bank statements
what type of account is established to pay taxes and insurances escrow
what type of title insurance is optional owners title insurance
fees associated with a purchase or refinance are called closing costs
what is the minimum payment calculation for a student loan in income repayment one percent
if a borrower is using alimony to qualify what document is required divorce decree
a loan product that the rate can change is an arm
a loan product where the rate does not change is considered fixed
what length of residency is shown on the application twoyears
name another younger GSE freddiemac
what is Chaila's favorite color blue
what registry must a loan officer be registered with nmls
name of a legal document that gets recorded on the land records deed
name of the legal document that contains the terms of the mortgage note
sfr stands for singlefamilyresidence

Great Depression Crossword Puzzle

Type
Crossword
Description

We adapted a policy of _____________ when we fell into depression. Isolationism
The economic crisis that happened in the US and many other nations beginning with the stock market crash in 1929 and continuing through most of the 1930's. Great Depression
October 29, 1929; the day that the stock market crashed. Black Tuesday
Buying a stock with little money down and the promise of paying the debt later in the future. buying on margin
Banks demanded full payments of their loans; there was no protection in place to protect this from happening at the time. calling the loan
The US fell into _____________ when the idea of loans took a wrong turn. depression
A rapid increase in the overall price level. Hyperinflation
A continuous rise in the price of goods and services. inflation
A payment plan that allows customers to make payments in set intervals until the debt is paid. installment plan
A series of reforms enacted by president Franklin Roosevelt between 1933 and 1942 with a goal to relieve and reform Americans and to end the great depression. New Deal
Roosevelt tried to relieve and __________ for the American people. reform
People went to the banks to withdraw all of their money before the banks closed. runs on the banks
A share of ownership in a corporation. stock
A system to buy and sell stocks. stock market
Exercising control over freedom, will, and thoughts of others; authoritarian. totalitarian
Most Americans struggled with ____________ during the Great Depression. unemployment

Banking Terms Crossword

Type
Crossword
Description

Bank branch offices, hours of operation, availability of ATM Location
Direct deposit, automatic payments, overdraft protects, online banking, discounts or free checking for students Special Features
Monthly charges, per check costs, printing of checks, balance inquiry cost, ATM checks Fees
Minimum balance, holding period for deposited checks Restrictions
An payment system where bills are paid through direct withdrawal from a bank account Automatic Payment
A financial cooperative owned by its members to serve its members. It offers the same financial services as a bank Credit Union
Allow customers to get cash and conduct banking transactions ATM
An account that allows you to deposit money and write checks on that account. Checking Account
The amount of money currently in an account Balance
A business that keeps money safe fro its customers, lends money to borrowers, and provides other financial services Bank
A banking card that can be used to purchase goods and services electronically. The amount is transferred immediately. Debit Card
The least amount of money a bank requires when opening an account Minimum Deposit
The money put into a bank account Deposit
A savings or checking account set up in the names of more than one person Joint Account
The money a bank pays for the use of a person’s money. Interest is referred to in terms of annual percentage rate (APR) Interest
Tells how much money you currently have in your account (account balance) Inquiry
A secret number or code that protects the security of an account PIN
An amount of money taken out of an account Withdrawal
A bank account that allows you to put money away to use later. The bank pays interest in exchange for the use of the money in the account Savings Account
Business done with a bank, including deposits, and withdrawals Transaction
A bank employee who performs banking services for the public, such as cashing checks and accepting deposits Teller

Key Financial Literacy Terms: Crossword

Type
Crossword
Description

something of value Assets
the date a loan is due maturity
other types of debt other than a mortgage Notes Payable
the money a person borrows to buy real estate Mortgage
equipment, inventory or other goods that are pledged to the bank in case a company can't make a loan payment Collateral
the right to take possession of collateral until a debt is repaid Lien
debt from a bank Loan
investors who make small investments in an enterprise AngelInvestors
the act of making a business different Differentation
cost that do not vary based on the units sold by your enterprise FixedCost
a determination of how many units you have to sell in order to pay for all fixed cost BreakevenAnalysis
funds contributed by investors to a business Credit
expenditures on equipment the business will use for many years Capital
unit price minus the cost of goods sold ContributionMargin
the costs that make up one unit of what you sell CostofGoodsSold
the 12 month period a company uses to report financial results FiscalYear
a person or company with sufficient liquidity who guarantees to repay a loan if a company cannot Guarantor
this type of credit requires little documentation; decisions are almost immediate and interest rates are very high OnlineCredit
the amount of money borrowed Principle