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Mortgage Loan Glossary

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O

Offer
Agreement put forth by a potential buyer for a property that states a specific price which they are willing to pay.
MORTGAGE LOAN EXAMPLES: Offer
Option ARM
See Pay Option Adjustable Rate Mortgage
Origination
See Loan Origination
Origination Fee
See Loan Origination Fee
Owner Financing
Also known as seller financing, it is the purchase of real estate that is financed partially or in whole by the seller of the property.
Owner Occupied (OO)
In terms of a mortgage loan application, it refers to a property that is occupied as the primary residence by the individual applying for the loan.
RELATED MORTGAGE TERMS: Non-owner Occupied (NOO)
Overage
Difference in price that is actually paid by a mortgage loan borrower from the price quoted by the lender or mortgage broker.

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