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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 ?
Country: USASector: Consumer ProductsTarget: PMG HalloweenBuyer: Gemmy Industries (HK) LimitedVendor: Paper Magic Group Inc , CSS Industries Inc Type: DivestmentStatus: Closed
Speaking of the moment when Gemmy confuses the words subject and object, another critic, Lee Spinks, notes, "Fairley is unable to decide whether he is a British `subject', with all the racial, juridical and cultural overtones that this term introduces, or a British `object', to be formed and deformed by the process of cultural expropriation" (169).
The new "rat tail" clusters, as gorgeously gemmy green and daylight-fluorescent purplish as you could wish, reach 17 cm.
It differs significantly from Patrick White's A Fringe of Leaves, with which it has sometimes been compared, both in this and in the attitude of the Aborigines, who treat Gemmy with guarded wonder as an in-between creature, their own version of a Caliban, "half-child, half-seacalf, his hair swarming with spirits in the shape of tiny phosphorescent crabs, his mouth stopped with coral," until "he had risen up in the firelight and danced, and changed before their eyes from a sea-creature into a skinny human child" (27).
Among Utah's most famous mineralogical products are the bright orange, resplendently gemmy crystals of topaz from cavities in rhyolite in the Thomas Range, Juab County.
The short-prismatic, face-rich, vaguely barrel-shaped siderite crystals, reaching 2 cm, are gemmy and yellow-brown, and rest on brassy yellow, discoidal crystals of pyrite pseudomorphous after (a first generation of) siderite, with lustrous black crystals of stannite to 3 mm around the points of attachment--making for impressive toenail and small miniature-size specimens.
These fine, gemmy garnets also appeared in Munich at numerous dealerships, a special hat-tip going to Demineralia (www.
A single cavity opened in 1989 on the 340 level yielded fine specimens showing twinned, gemmy lavender to lilac-pink fluorite crystals on white quartz matrix.
Curt brought several beer-can-size crystals of etched but highly gemmy and beautiful yellow crystals, carefully wrapped in towels, to the 1981 Detroit Show and showed them off to a few people; two of the crystals were purchased for the Natural History Museum of Los Angeles County by Hyman Savinar (Brad Van Scriver, personal communication, 2009).
Most recently, remarkable, partially gemmy, trapezohedral spessartine crystals of a bright mandarin-orange color, up to the size of baseballs, have been found about 35 km northeast of Loliondo, close to the Kenya border.
The initial product launch with licensing partners Gemmy, Kelly Toy, Mezco and Aquarius has established a foundation for Family Guy product at retail as Fox prepares for a more expansive product launch this Spring.
Other highly attractive minerals have been found there as well, including chromium-green diopside, the green tsavorite variety of grossular, blue apatite-(CaF), gemmy grass-green tremolite and the new species magnesioaxinite-since renamed axinite-(Mg).