ACH: (see Automated Clearing House) Amortization: Loan payments by equal periodic amounts calculated to pay off the debt at the end of a fixed period, including accrued interest on the outstanding balance.

Amortized Loan: A loan to be repaid, by a series of regular installments of principal and interest, that are equal or nearly equal, without any special balloon payment prior to maturity.

Anniversary Date : The date upon which the twelfth payment is due. This occurs in the cash advance lowest rate calendar month and day each year thereafter on any MOP Promissory Note. Annual Percentage Rate (APR): A percentage rate that reflects the amount of interest earned or charged. Applicant: An eligible Appointee designated by one of the ten University campuses, Cash advance lowest rate of the President or, LBNL as eligible to apply for a loan under the UC Home Loan Program.

Application Checklist : An itemized list of documentation that the borrower and the campus need to provide to the Office of Loan Programs for either pre-approval or loan approval. Also known as form OLP-09.

Appointee: A person who has been offered and has accepted a full-time position with the University of California. Appraised Value: The dollar value assigned to a single-family residence by an appraiser approved by the Office of Loan Programs.

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