(Askeri) MUHABİR: Muntazam haber toplayıp halka yayınlamakla meşgul bir gazeteci, basın muhabiri, fotoğrafçı, fıkra yazarı, baş muharrir, yayımlayıcı, film çekici, haber filmi veya dokümanter film alıcıları. Ayrıca bakınız: "accredited correspondent", "combat correspondent" ve "visiting correspondent"
A person, corporation or firm not otherwise in banking and finance that normally provides its own funds for mortgage financing as opposed to savings and loan associations or commercial banks that use other people's money; namely that of their depositors--to originate mortgage loans Although some mortgage bankers do supply permanent long-term financing, the majority specialize in supplying short-term and interim financing, either through their own resources or by borrowing from commercial sources Mortgage Bankers Association of America Website
A company or individual that originates mortgage loans and sells them to investors, while taking care of borrowers' loan payments, records, taxes, and insurance
An organization that originates mortgages and then sells them to investors, usually retaining servicing rights Income is derived from origination and servicing fees Funding for the mortgages is usually from borrowings, which are paid off when the loan is sold
A person or firm that originates your mortgage loan, collects and manages your payments and sells loans in packages to outside investors The mortgage banker is not really a "banker," but a middleman who arranges and sells loans The mortgage banker negotiates the terms of your loan and prepares the loan documents Usually a mortgage banker will also service your mortgage for the life of the mortgage (see Servicing)
A company providing mortgage financing with its own funds rather than simply bringing together lender and borrower, as does a mortgage broker Although the mortgage banker used its own funds, these funds are generally borrowed and the financing is either short term or, it long term, the mortgages are sold to investors (many times insurance companies) within a short time
For a more complete discussion of mortgage banker, see "Types of Lenders " A mortgage banker is generally assumed to originate and fund their own loans, which are then sold on the secondary market, usually to Fannie Mae, Freddie Mac, or Ginnie Mae However, firms rather loosely apply this term to themselves, whether they are true mortgage bankers or simply mortgage brokers or correspondents
A financial intermediary that originates or funds loans, collects payments, inspects the property, and forecloses if necessary The main difference between a mortgage banker and a loan officer is a banker funds their own loans and sell them on the secondary market, usually to Fannie Mae, Freddie Mac, or Ginny Mae