... nonconventional, 25 28 government loan programs, 28 –31 institutional lenders, 21 22 loan servicing, 23 , 24 loan-to-value ratio, 27 nonconforming loans, 28 primary vs. secondary, 22 23 private ... for a portion of the rent to be 186GLOSSARYunsecured loan A loan without collateral. A credit card is an example of a loan without collateral. Also known as a “signature” loan. VA loan A ... seller makes a guarantee or warranty that title is marketable and will defend all claims against it. wraparound mortgage A mortgage that is subordinate to and incorporates the terms of an underlying...