fixed-rate mortgage, adjustable-rate mortgage, ARM, annual cap, interest-rate cap, interest rate risk, discount points, refinancing loss, fee, refinancing fee, application fee, title insurance, mortgage insurance, title search, appraisal, appraisal fee, internal appraiser, independent appraiser, loan origination fee, closing-agent fee, review fee, payment schedule, amortization schedule, creative financing, automatic rate reduction mortgage, graduated payment mortgage, growing equity mortgage, second mortgage, junior lien, home equity loan, home equity line of credit,