Growing Equity Mortgage (GEM) - How To Discuss
Jessica Wilkins
Updated on July 11, 2026
Growing Equity Mortgage (GEM),
Definition of Growing Equity Mortgage (GEM):
A loan in which the monthly payments increase annually, with the increased amount being used to reduce directly the principal balance outstanding and thus shorten the overall term of the loan.
Meaning of Growing Equity Mortgage (GEM) & Growing Equity Mortgage (GEM) Definition
