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.
Learn everything you need to know about this fee including how to avoid paying loan origination fees. What Is a Loan Origination Fee? A home loan origination fee is a fee your lender charges for underwriting your mortgage â it includes verifying your identity, checking your credit and preparing all of your paperwork.