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Sep 28, 2017 - 34 minute read

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MOP-Calculator: A web-based calculator for potential applicants to determine whether they might meet the minimum requirements for a MOP loan. Mortgage Origination Program (MOP): MOP was established by The Regents of the University of California in 1984 and utilizes funds from the unrestricted portion of the University's Short-Term Investment Pool (STIP) to make variable interest rate first ace cash advance san bernardino of trust loans of up to 30 years in length to eligible Faculty and members of the Senior Management Group.

The program provides loans at maximum amounts of 80 to 90 of value, depending upon loan size, with the initial interest rate equal to the most recently available four-quarter average rate of return of STIP, plus a servicing fee of one-quarter of one percent. The maximum annual adjustment of the interest rate for a loan, upward or downward, is one percent. Mortgagee: A lender or creditor who holds a mortgage or Deed of Trust.

Mortgagor: A borrower who is obligated to pay on a mortgage or Deed of Trust. Net Income: The monthly salary paid to a borrower after deducting any Federal andor State payroll taxes.

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