Gem

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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.
Copyright © 2012, Campbell R. Harvey. All Rights Reserved.

Gem

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.
Farlex Financial Dictionary. © 2012 Farlex, Inc. All Rights Reserved

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.

The Complete Real Estate Encyclopedia by Denise L. Evans, JD & O. William Evans, JD. Copyright © 2007 by The McGraw-Hill Companies, Inc.
References in periodicals archive ?
Together Vine Earth Sky, meanwhile, is a long rope woven with semiprecious stones that runs from floor to ceiling.
"Each piece is inspired by a different culture and uses healing crystals, semiprecious stones and cowrie shells in addition to iconic charms to create the signature Ivory style," Zaki says.
A dragon features on the sides of the 'Lost Star' model (pictured below), its enamel and semiprecious stones adding a touch of opulence to the eyewear.
And though this form of gilt taxidermy isn't her only strong suit--she's also known for arranging hundreds of precious and semiprecious stones to look like blackberries on cocktail rings, or to affix diamonds to gold earrings shaped like wilted rose petals--it's a strong suit nonetheless.
The headband of the crown features seven gems and semiprecious stones, the names of which spell the word "Alberta": amethyst, lazurite, bloodstone, emerald, ruby, topaz and agate.
Zhang says it's a "dazzling piece, with gilded silver and embedded semiprecious stones." This type of jewelry was first worn by a woman at her wedding; the tube portion of the object, called a bozbend, is hollow in order to hold written prayers or other sacred objects.
It is mentioned that Pakistan has abundance of economically exploitable reserves of coal, rock salt, limestone and onyx marble, China clay, dolomite, fire clay, gypsum, silica sand and granite as well as precious and semiprecious stones.
Designers--who typically aren't afraid to mix and match--are also combining wood with other elements, including bamboo, shell, acrylic, marble, stone, semiprecious stones, mother of pearl, bone and parchment.
It went on to become one of the first ateliers to pair diamonds with semiprecious stones -- a style that has since become one of the leading trends in jewelry design.
The Minister said the government has also planned to establish liberty for gems sector, besides to give training to youth in cutting and polishing of precious and semiprecious stones. He maintained that around five block would be established in gems sector, while the unveiling of new mining policy, would helpful to eliminate illegal mining in the province.
The Minister furthermore said the government has also planned to establish liberty for gems sector, besides to give training to youth in cutting and polishing of precious and semiprecious stones. He maintained that around five block would be established in gems sector, while the unveiling of new mining policy, would helpful to eliminate illegal mining in the province.
Horste works in semiprecious stones and organic gems such as jet, fossil ivory, shell and bone, as well as recycled materials.