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Inform yourself about your credit history.


Acceleration Clause

If you default on a loan this clause allows the lender to speed up the rate in which the loan is paid off. This can include an entire balance to be paid off immediately.

Agreement of Sale

Otherwise known as a sales or purchase agreement, this agreement basically states that the seller is selling and the buyer is buying under a specified set of terms. Both parties would then sign the contract.


Calculates the loan payment including interest on the outstanding balance to be paid off at the end of a fixed period.

Annual Percentage Rate (APR)

Often confused with interest rate, an APR supplies the cost of credit over the course of a year. It is supplied as a percentage taking into consideration the amount finance, any charges, and the term of the loan.


An estimate of the value of property, made by a professional appraiser.

Appraisal Fee

A service fee for estimating the value of property.


Property that can be used to repay debt, such as stocks, bonds, cars or a house.

Automated Teller Machines (ATMs)

Essentially computer terminals in which customers can withdrawal, deposit, or received balance statements of their bank accounts or credit cards.

Billing Error

Any mistake in your monthly statement as defined by the Fair Credit Billing Act.


A person who assists a client in negotiating contracts or assisting in the arrangement of funding, but does not loan the money themselves.


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