The most common forms are white phosphorus, made up of phosphorus atoms arranged like a tetrahedron (a four-sided pyramid), and red phosphorus, a solid but non-crystalline form of the element. Less common is black phosphorus, which is made of atoms arranged in a ring structure and looks a bit like the graphite at the point of a pencil.
(February 2009) (Learn how and when to remove this template message) Loan origination is the process by which a borrower applies for a new loan, and a lender processes that application. Origination generally includes all the steps from taking a loan application up to disbursal of funds (or declining the application). Loan servicing covers everything after disbursing the funds until the loan is fully paid off.
The average loan origination fee will be 0.5 to 2% of the loan amount, if expressed in points. It is charged by mortgage brokers for processing and closing your mortgage. Sometimes title fees, escrow, appraisal and other fees will be zeroed, but the loan origination fee will be inflated and high above the average. If that is the case, your loan origination fee will not be tax deductible.