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Mortgage Glossary


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Original principal balance
The total amount of principal owed on a mortgage before any payments are made.

Origination Fee
A fee paid to a lender for processing a loan Application.

OTC
(The Office of Thrift Supervision). Charters federal thrifts, serves as the primary federal examiner and regulator of federal and state-chartered savings associations, and administers laws governing savings and loan holding companies.

Owner financing
A property purchase transaction in which the property seller provides all or part of the financing.

Owner Occupied
"Owner Occupied" means the property is the owner's primary residence.

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