Last reviewed 10-31-2026Short-Sale.com Editorialglossary

Growing-Equity Mortgage (GEM)

FTC

Updated 10-31-2026

Growing-Equity Mortgage (GEM)

A fixed-rate mortgage in which the monthly payments increase according to an agreed-upon schedule, with the extra funds applied to reduce the loan balance and loan term.

FTC Real Estate Terms

FTC · p. 9

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