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balance remaining on the mortgage at any bill consolidate consolidation debt loan in time. Mortgage lending is a major category of the business of finance in the United States of America. Mortgages are commercial paper and can be conveyed and assigned freely to other holders. In the U.S., the Federal Housing Administration administers the programs bill consolidate consolidation debt loan known as "Ginnie Mae", Fannie Mae and "Freddie Mac" (also known as the GSEs or government sponsored entities) to foster mortgage lending and thus to encourage home ownership and construction. These programs work by buying a large number of mortgages from banks and issuing (at a slightly lower interest rate) "mortgage-backed bonds" bill consolidate consolidation debt loan investors known as MBS or Mortgage Backed Securities.Refinancing refers to applying for a secured loan intended to replace an existing loan secured by the same assets. The most common consumer refinancing is for a home mortgage.A quitclaim deed is a term used in property law to describe a document by which a person bill consolidate consolidation debt loan any interest the grantor might have in a piece of real property, and passes that claim to another person (the grantee). Unlike a typical deed, a quitclaim deed neither warrants nor professes that the grantor's claim was actually valid. While a grant deed is normally used for all real estate sales and transfers, quitclaim deeds are sometimes used for transfers between family members, gifts, bill consolidate consolidation debt loan other special or unusual circumstances. Quitclaim deeds are also used by tax authorities when selling properties seized for nonpayment of taxes. In most common law jurisdictions, a quitclaim deed is no technically considered to be a deed at all. It fails to meet all five traditional tests of a true deed found in bill consolidate consolidation debt loan law. Instead it is considered to be an instrument of estoppel. Title companies often will not issue title insurance based on a quitclaim deed. In