---
title: EMAP - Emergency Mortgage Assistance Program Glossary
description: CDF- Common Data file - A file provided by a mortgage servicer that provides agencies with needed information to process mortgage assistance requests (including reinstatement amount, future payment am
---

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# EMAP - Emergency Mortgage Assistance Program Glossary

**CDF- Common Data file -** A file provided by a mortgage servicer that provides agencies with needed information to process mortgage assistance requests (including reinstatement amount, future payment amount, and payment due dates)

**Forbearance -** Temporary postponement or reduction of mortgage payments

**Foreclosure -** Legal process where lenders attempt to recover amount owed by taking ownership of house

**HOA -** Homeowners Association

**HUD -** US Dept of Housing & Urban Development

**Jumbo loan** - Type of financing that exceeds the loan conforming limits that are set by Federal Housing Finance Agency

**Lender -** Person, group or bank that makes funds available with expectation of repayment

**Lien -** Claim or legal right against assets that are typically used as collateral to satisfy a debt. A creditor or a legal judgment could establish a lien. A lien serves to guarantee of repayment of a loan.

**Loan deferment -** Lump sum is placed at the back of the loan as a silent second.  No repayment terms – other than payment will be required in full when the loan is paid, sold, or refinanced.

**Mortgage -** Credit transaction (1) that is secured by a mortgage, deed of trust, or other consensual security interest on a principal residence of a borrower and (2) the unpaid principal balance of which was, at the time of origination, not more than the conforming loan limit. 

**SDI** **-** socially disadvantaged individuals

**DOLA:** Department of Local Affairs

**HAF:** Homeowner Assistance Funds

**Loss Mitigation:** options provided by mortgage servicers to cure past due balances in order to assist homeowners in preventing a foreclosure on their home

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