Office of Comptroller of the Currency : The oldest federal financial regulatory body, which oversees the nation's federally chartered banks.

Office of Thrift Supervision : Regulatory and supervisory agency for federally chartered savings institutions.

Online Application Credit : - This is a rebate that is deducted from your closing costs as a benefit for applying for your loan online.

Origination Fee: A fee paid to a lender for processing a loan application, making a home loan, and recording a mortgage against the borrower's real property as security for repayment of the loan. The origination fee is stated in the form of points. One point is 1% of the mortgage amount (e.g., 1,000 on a $100,000 loan).

Owner Financing: purchase in which the seller provides all or part of the financing.