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GEM (growing equity mortgage)

Mortgage in which annual increases in monthly payments are used to reduce outstanding principal and to shorten the term of the loan.


In numismatics, a high quality coin. These coins may be valuable as collector's items, though they are illiquid assets. It may also refer to the beauty of the coin regardless of quality.

growing equity mortgage (GEM)

A home loan arrangement in which the payments are increased each year by a specific amount,with the additional money credited to additional principal reduction. As a result, the loan is paid in full earlier than the normal amortization period.The FHA-
insured GEM program is called a 245(a) loan.

References in periodicals archive ?
Coloured with 'The morning rainbows of an opal sky', seen through the 'silver veils' of a 'Mysterious moon behind a mask of gold' ('Statues'), draped in 'veils of dusk diaphanous', tinged by a sky 'stained with scarlet fire' ('Antinous'), and tinted by a 'mauve-silver twilight' ('The White Statue'), (47) Custance's statues either burn at sunrise with the 'hard gemlike flame' of Paterian aestheticism, or give the illusion of transparency, 'veined' by the delicate hues of twilight.
Coloured gemlike pebbles, that flashed Within the shifting sands.
Under the gemlike post-storm sky--its startling light outlining every object on earth and every aspect of nature as if with a yellow Hi-Liter-the river's rocky shore evidenced what Helga had spit up: all manner of wood and Styrofoam, plastic bottles and polypropylene bags, pieces of glass too early in their lives to be sea glass, and condoms, lots of condoms, presumably used.
But mostly, it is like itself: one of Marshall's gemlike haikus.
When you couple its gemlike qualities with its translucence and the depth of color and iridescence you can add, glass becomes a great complement to other materials in the bathroom environment like wood, stone, and, of course, metal fixtures.
Theft is aligned with singular objects--the Moonstone itself and perhaps even the gemlike maxims that Betteredge plucks from what is, after all, not just a novel, the linear narrative of a life, but Robinson Crusoe, a foundational text for the genre.
Viola hederacea is a perennial ground cover with delicate leaves and gemlike purple and white flowers.
Love cannot burn with a steady gemlike flame; the heart and the self are tempered, hardened like steel by heating and immersion in a process that parallels the volcanic eruption, cooling, and solidifying suggested by the title.
In this phrase we can hear echoes of a similar theme first voiced in the "Preliminary Meditation": "in one huge painful bonfire we ought to burn the inert traditional mask, the Spain that has been and then, among the well-sifted ashes, we shall find the iridescent gemlike Spain that could have been" (MQ, 106).
It's possible to send hard gemlike flames into cyberspace, but you're a fuddy-duddy if you do.
During another visit a month earlier, he had gazed into "the gemlike changeable greenish reflections from the eyes of the grizzley bear--So glassy that you never saw the surface of the eye," and concluded it "unavoidable [that] the idea of transmigration [is] not merely a fancy of the poets--but an instinct of the race.
A gemlike work in the collection is Regis's song-motet Ave Maria (no.