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25 Richest Places in Colorado

Ranked by per capita income

1 Cherry Hills Village $99,996
2 Genessee CDP $79,180
3 Columbine Valley $71,758
4 Castle Pines CDP $70,456
5 Greenwood Village $69,189
6 Bonanza $66,857
7 Bow Mar $53,558
8 Heritage Hills CDP $50,041
9 Perry Park CDP $47,574
10 Lone Tree $46,287
11 Meridian CDP $46,031
12 The Pinery CDP $43,065
13 Eldorado Springs CDP $42,908
14 Vail $42,390
15 Foxfield $40,970
16 Aspen $40,680
17 Niwot $39,943
18 Mountain Village $39,920
19 Edwards CDP $39,784
20 Pitkin $39,182
21 Telluride $38,832
22 Woodmoor CDP $38,758
23 Castlewood CDP $37,891 (now a part of Centennial)
24 Vona $37,802
25 Eagle-Vail CDP $37,260Denver, Denver sub-prime mortgage, Denver equity line of credit, Denver

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Our lenders provide you with the best loan even if you have... Refinancing and consolidating your debt loans can lower the total amount you pay out each month. And you can even arrange to remortgage for extra cash. The best options for you may vary but here are some reasons: "Mortgage" is defined as A legal agreement that uses property as collateral to secure payment of a debt. The legal agreement means that when a mortgage is on a house, the lender can take possession of the house if the borrower stops making payments.Besides the standard fixed-rate and adjustable-rate mortgages, there are other types of mortgages and ways to finance a home while looking for the lowest rates. Some of the other types of mortgages include:

www.HardMortgages.comQuestions about who is eligible for a VA loan and reuse of eligibility for another VA loan.Q: How do I apply for a VA guaranteed loan?A: You can apply for a VA loan with any mortgage lender that participates in the VA home loan program. At some point, you will need to get a Certificate of Eligibility from VA to prove to the lender that you are eligible for a VA loan.Q: How do I get a Certificate of Eligibility?A. Complete an 1880: You can apply for a Certificate of Eligibility by submitting a completed VA Form 26-1880, Request For A Certificate of Eligibility For Home Loan Benefits, to one of the VA Eligibility Centers, along with proof of military service. In some cases it may be possible for VA to establish eligibility without your proof of service. However, to avoid any possible delays, it's best to provide such evidence.Q: Can my lender get my Certificate of Eligibility for me?A. Yes, it's called ACE (automated certificate of eligibility). Most lenders have access to the ACE (automated certificate of eligibility) system. This Internet based application can establish eligibility and issue an online Certificate of Eligibility in a matter of seconds. Not all cases can be processed through ACE - only those for which VA has sufficient data in our records. However, veterans are encouraged to ask their lenders about this method of obtaining a certificate.Q: What is acceptable proof of military service?A: If you are still serving on regular active duty, you must include an original statement of service signed by, or by direction of, the adjutant, personnel officer, or commander of your unit or higher headquarters which identifies you and your social security number, and provides your date of entry on your current active duty period and the duration of any time lost.If you were discharged from regular active duty after January 1, 1950, a copy of DD Form 214, Certificate of Release or Discharge From Active Duty should be included with your VA Form 26-1880. If you were discharged after October 1, 1979, DD Form 214 copy 4 should be included. A PHOTOCOPY OF DD214 WILL SUFFICE.....DO NOT SUBMIT AN ORIGINAL DOCUMENT.If you are still serving on regular active duty, you must include an original statement of service signed by, or by direction of, the adjutant, personnel officer, or commander of your unit or higher headquarters which shows your date of entry on your current active duty period and the duration of any time lost. If you were discharged from the Selected Reserves or the National Guard, you must include copies of adequate documentation of at least 6 years of honorable service. If you were discharged from the Army or Air Force National Guard, you may submit NGB Form 22, Report of Separation and Record of Service, or NGB Form 23, Retirement Points Accounting, or it’s equivalent. If you were discharged from the Selected Reserve, you may submit a copy of your latest annual points statement and evidence of honorable service. Unfortunately, there is no single form used by the Reserves or National Guard similar to the DD Form 214. It is your responsibility to furnish adequate documentation of at least 6 years of honorable service. If you are still serving in the Selected Reserves or the National Guard, you must include an original statement of service signed by, or by the direction of, the adjutant, personnel officer, or commander of your unit or higher headquarters showing the length of time that you have been a member of the Selected Reserves. Again, at least 6 years of honorable service must be documented. Q: How can I obtain proof of military service?A: Standard Form 180, Request Pertaining to Military Records, is used to apply for proof of military service regardless of whether you served on regular active duty or in the selected reserves. This request form is NOT processed by VA. Rather, Standard Form 180 is completed and mailed to the appropriate custodian of military service records. Instructions are provided on the reverse of the form to assist in determining the correct forwarding address.Q: I have already obtained one VA loan. Can I get another one?A: Yes, your eligibility is reusable depending on the circumstances. Normally, if you have paid off your prior VA loan and disposed of the property, you can have your used eligibility restored for additional use. Also, on a one-time only basis, you may have your eligibility restored if your prior VA loan has been paid in full but you still own the property. In either case, to obtain restoration of eligibility, the veteran must send VA a completed VA Form 26-1880 to one of our VA Eligibility Centers. To prevent delays in processing, it is also advisable to include evidence that the prior loan has been paid in full and, if applicable, the property disposed of. This evidence can be in the form of a paid-in-full statement from the former lender, or a copy of the HUD-1 settlement statement completed in connection with a sale of the property or refinance of the prior loan. Q: I sold the property I obtained with my prior VA loan on an assumption. Can I get my eligibility restored to use for a new loan?A: In this case the veteran’s eligibility can be restored only if the qualified assumer is also an eligible veteran who is willing to substitute his or her available eligibility for that of the original veteran. Otherwise, the original veteran cannot have eligibility restored until the assumer has paid off the VA loan.Q: My prior VA loan was assumed, the assumer defaulted on the loan, and VA paid a claim to the lender. VA said it wasn’t my fault and waived the debt. Now I need a new VA loan but I am told that my used eligibility can not be restored. Why?Or,Q: My prior loan was foreclosed on, or I gave a deed in lieu of foreclosure, or the VA paid a compromise (partial) claim. Although I was released from liability on the loan and/or the debt was waived, I am told that I cannot have my used eligibility restored. Why?A: In either case, although the veteran’s debt was waived by VA, the Government still suffered a loss on the loan. The law does not permit the used portion of the veteran’s eligibility to be restored until the loss has been repaid in full.Q: Only a portion of my eligibility is available at this time because my prior loan has not been paid in full even though I don’t own the property anymore. Can I still obtain a VA guaranteed home loan?A: Yes, depending on the circumstances. If a veteran has already used a portion of his or her eligibility and the used portion cannot yet be restored, any partial remaining eligibility would be available for use. The veteran would have to discuss with a lender whether the remaining balance would be sufficient for the loan amount sought and whether any down payment would be required. Q: Is the surviving spouse of a deceased veteran eligible for the home loan benefit?A: The unmarried surviving spouse of a veteran who died on active duty or as the result of a service-connected disability is eligible for the home loan benefit. If you wish to make application for the home loan benefit as a surviving spouse, contact one of our VA Eligibility Centers. In addition, a surviving spouse who obtained a VA home loan with the veteran prior to his or her death (regardless of the cause of death), may obtain a VA guaranteed interest rate reduction refinance loan. For more information, contact one of our VA Eligibility Centers.[NOTE: Also, a surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003, may be eligible for the home loan benefit. However, a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must apply no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 16, 2003 that are received after December 15, 2004.] Q: Are the children of a living or deceased veteran eligible for the home loan benefit?A: No, the children of an eligible veteran are not eligible for the home loan benefit. Reprint fromHome Loan Guaranty ServiceVeterans benefits and services For more Va info click here www.homeloans.va.govDown Payment Gifts for FHA Loans The down payment for an FHA mortgage can be 100% gift funds. This is one of the key benefits to the FHA program. Verification of the source of gift money is not required. However, it is necessary that the gift funds be deposited in the borrower's bank or savings account, or in an escrow account, prior to underwriting approval. Proof of deposit is required. Gift donors are restricted primarily to a relative of the borrower. They can also be certain organizations, such as a labor union or charitable organization. Contact your local branch for complete information. What Are Closing Costs? There may be closing costs customary or unique to a certain locality, but closing costs are usually made up of the following:

Reprint from www.HUD.gov
100 Questions & Answers
About Buying A New Home
Dear Future Homeowner:Homeownership is becoming a reality for more and more Americans. During 2000, the US homeownership rate reached 67.7%, the highest rate ever. Yet many Americans don't realize that homeownership is within their grasp.A home is a financial asset and more: it's a place to live and raise children; it's a plan for the future; it's an investment in your community. That's why we at the U.S. Department of Housing and Urban Development want all Americans to have an opportunity to enjoy the benefits of owning a home. And we are especially proud of our work to help first-time homebuyers: thanks to our special programs, more than 81% of FHA-insured loans went to first-time homebuyers during 2000.Knowledge is said to open doors. This is literally true when it comes to buying a home. To become a first-time homebuyer, you need to know where and how to begin the homebuying process. The following questions and answers have been carefully selected to give you a foundation of basic knowledge. In addition to helping you begin, this brochure will give you the tools necessary to navigate the entire process - from deciding whether you're ready to buy, all the way to that final proud step, getting the keys to your new home.Calling for this brochure was your first step. Now you can use this information to determine if you're ready to buy a home. if you are ready, contact a real estate agent, lender, or a housing counseling agency. They can help you decide your next step.HUD's FHA has helped more than 30 million people become homeowners since 1934. We want to help you open the door to your own home. After all, HUD and FHA are on your side.Good Luck! TABLE OF CONTENTS Introduction
Part I Getting Started 
Part II Finding Your Home 
Part III You've Found It 
Part IV General Financing -- Questions:The Basics 
Part V First Steps 
Part VI Finding The Right Loan For You 
Part VII Closing 
Part VIII How Can HUD And The FHA help Me Become a Homeowner 
Part IX Mortgage Insurance
Part X FHA Products  GlossaryGETTING STARTED 1. HOW DO I KNOW IF I'M READY TO BUY A HOME? You can find out by asking yourself some questions:
-   Do I have a steady source of income (usually a job)? Have I been employed on a regular basis for the last 2-3 years? Is my current income reliable? -   Do I have a good record of paying my bills? -   Do I have few outstanding long-term debts, like car payments? -   Do I have money saved for a down payment? -   Do I have the ability to pay a mortgage every month, plus additional costs? If you can answer "yes" to these questions, you are probably ready to buy your own home.2. HOW DO I BEGIN THE PROCESS OF BUYING A HOME? Start by thinking about your situation. Are you ready to buy a home? How much can you afford in a monthly mortgage payment (see Question 4 for help)? How much space do you need? What areas of town do you like? After you answer these questions, make a "To Do" list and start doing casual research. Talk to friends and family, drive through neighborhoods, and look in the "Homes" section of the newspaper.3. HOW DOES PURCHASING A HOME COMPARE WITH RENTING? The two don't really compare at all. The one advantage of renting is being generally free of most maintenance responsibilities. But by renting, you lose the chance to build equity, take advantage of tax benefits, and protect yourself against rent increases. Also, you may not be free to decorate without permission and may be at the mercy of the landlord for housing.Owning a home has many benefits. When you make a mortgage payment, you are building equity. And that's an investment. Owning a home also qualifies you for tax breaks that assist you in dealing with your new financial responsibilities- like insurance, real estate taxes, and upkeep- which can be substantial. But given the freedom, stability, and security of owning your own home, they are worth it.4. HOW DOES THE LENDER DECIDE THE MAXIMUM LOAN AMOUNT THAT CAN AFFORD? The lender considers your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. According to the FHA,monthly mortgage payments should be no more than 29% of gross income, while the mortgage payment, combined with non-housing expenses, 4 should total no more than 41% of income. The lender also considers cash available for down payment and closing costs, credit history, etc. when determining your maximum loan amount.5. HOW DO I SELECT THE RIGHT REAL ESTATE AGENT? Start by asking family and friends if they can recommend an agent. Compile a list of several agents and talk to each before choosing one. Look for an agent who listens well and understands your needs, and whose judgment you trust. The ideal agent knows the local area well and has resources and contacts to help you in your search. Overall, you want to choose an agent that makes you feel comfortable and can provide all the knowledge and services you need.6. HOW CAN I DETERMINE MY HOUSING NEEDS BEFORE I BEGIN THE SEARCH? Your home should fit way you live, with spaces and features that appeal to the whole family. Before you begin looking at homes, make a list of your priorities - things like location and size. Should the house be close to certain schools? your job? to public transportation? How large should the house be? What type of lot do you prefer? What kinds of amenities are you looking for? Establish a set of minimum requirements and a 'wish list." Minimum requirements are things that a house must have for you to consider it, while a "wish list" covers things that you'd like to have but aren't essential.FINDING YOUR HOME 7. WHAT SHOULD I LOOK FOR WHEN DECIDING ON A COMMUNITY?Select a community that will allow you to best live your daily life. Many people choose communities based on schools. Do you want access to shopping and public transportation? Is access to local facilities like libraries and museums important to you? Or do you prefer the peace and quiet of a rural community? When you find places that you like, talk to people that live there. They know the most about the area and will be your future neighbors. More than anything, you want a neighborhood where you feel comfortable in.8. WHAT SHOULD I DO IF I'M FEELING EXCLUDED FROM CERTAIN NEIGHBORHOODS? Immediately contact the U.S. Department of Housing and Urban Development (HUD) if you ever feel excluded from a neighborhood or particular house. Also, contact HUD if you believe you are being discriminated against on the basis of race, color, religion, sex, nationality, familial status, or disability. HUD's Office of Fair Housing has a hotline for reporting incidents of discrimination: 1-800-669-9777 (and 1-800-927-9275 for the hearing impaired).9. HOW CAN I FIND OUT ABOUT LOCAL SCHOOLS? You can get information about school systems by contacting the city or county school board or the local schools. Your real estate agent may also be knowledgeable about schools in the area.10. HOW CAN I FIND OUT ABOUT COMMUNITY RESOURCES? Contact the local chamber of commerce for promotional literature or talk to your real estate agent about welcome kits, maps, and other information. You may also want to visit the local library. It can be an excellent source for information on local events and resources, and the librarians will probably be able to answer many of the questions you have.11. HOW CAN I FIND OUT HOW MUCH HOMES ARE SELLING FOR IN CERTAIN COMMUNITIES AND NEIGHBORHOODS? Your real estate agent can give you a ballpark figure by showing you comparable listings. If you are working with a REALTOR, they may have access to comparable sales maintained on a database.12. HOW CAN I FIND INFORMATION ON THE PROPERTY TAX LIABILITY? The total amount of the previous year's property taxes is usually included in the listing information. If it's not, ask the seller for a tax receipt or contact the local assessor's off ice. Tax rates can change from year to year, so these figures may be approximate.13. WHAT OTHER TAX ISSUES SHOULD I TAKE INTO CONSIDERATION? Keep in mind that your mortgage interest and real estate taxes will be deductible. A qualified real estate professional can give you more details on other tax benefits and liabilities,14. IS AN OLDER HOME A BETTER VALUE THAN A NEW ONE? There isn't a definitive answer to this question. You should look at each home for its individual characteristics. Generally, older homes may be in more established neighborhoods, offer more ambiance, and have lower property tax rates. People who buy older homes, however, shouldn't mind maintaining their home and making some repairs. Newer homes tend to use more modern architecture and systems, are usually easier to maintain, and may be more energy-efficient. People who buy new homes often don't want to worry initially about upkeep and repairs.15. WHAT SHOULD I LOOK FOR WHEN WALKING THROUGH A HOME? In addition to comparing the home to your minimum requirement and wish lists, use the HUD Home Scorecard and consider the following:
-   Is there enough room for both the present and the future? -   Are there enough bedrooms and bathrooms? -   Is the house structurally sound? -   Do the mechanical systems and appliances work? -   Is the yard big enough? -   Do you like the floor plan? -   Will your furniture fit in the space? Is there enough storage space? (Bring a tape measure to better answer these questions.) -   Does anything need to repaired or replaced? Will the seller repair or replace the items? -   Imagine the house in good weather and bad, and in each season. Will you be happy with it year-round? Take your time and think carefully about each house you see. Ask your real estate agent to point out the pros and cons of each home from a professional standpoint. 16. WHAT QUESTIONS SHOULD I ASK WHEN LOOKING AT HOMES? Many of your questions should focus on potential problems and maintenance issues. Does anything need to be replaced? What things require ongoing maintenance (e.g., paint, roof, HVAC, appliances, carpet)? Also ask about the house and neighborhood, focusing on quality of life issues. Be sure the seller's or real estate agent's answers are clear and complete. Ask questions until you understand all of the information they've given. Making a list of questions ahead of time will help you organize your thoughts and arrange all of the information you receive. The HUD Home Scorecard can help you develop your question list.17. HOW CAN I KEEP TRACK OF ALL THE HOMES I SEE? If possible, take photographs of each house: the outside, the major rooms, the yard, and extra features that you like or ones you see as potential problems. And don't hesitate to return for a second look. Use the HUD Home Scorecard to organize your photos and notes for each house.18. HOW MANY HOMES SHOULD I CONSIDER BEFORE CHOOSING ONE? There isn't a set number of houses you should see before you decide. Visit as many as it takes to find the one you want. On average, homebuyers see 15 houses before choosing one. Just be sure to communicate often with your real estate agent about everything you're looking for. It will help avoid wasting your time.YOU'VE FOUND IT 19. WHAT DOES A HOME INSPECTOR DO, AND HOW DOES AN INSPECTION FIGURE IN THE PURCHASE OF A HOME?An inspector checks the safety of your potential new home. Home Inspectors focus especially on the structure, construction, and mechanical systems of the house and will make you aware of only repairs,that are needed.The Inspector does not evaluate whether or not you're getting good value for your money. Generally, an inspector checks (and gives prices for repairs on): the electrical system, plumbing and waste disposal, the water heater, insulation and Ventilation, the HVAC system, water source and quality, the potential presence of pests, the foundation, doors, windows, ceilings, walls, floors, and roof. Be sure to hire a home inspector that is qualified and experienced.It's a good idea to have an inspection before you sign a written offer since, once the deal is closed, you've bought the house as is." Or, you may want to include an inspection clause in the offer when negotiating for a home. An inspection t clause gives you an 'out" on buying the house if serious problems are found,or gives you the ability to renegotiate the purchase price if repairs are needed. An inspection clause can also specify that the seller must fix the problem(s) before you purchase the house.20. DO I NEED TO BE THERE FOR THE INSPECTION? It's not required, but it's a good idea. Following the inspection, the home inspector will be able to answer questions about the report and any problem areas. This is also an opportunity to hear an objective opinion on the home you'd I like to purchase and it is a good time to ask general, maintenance questions.21. ARE OTHER TYPES OF INSPECTIONS REQUIRED? If your home inspector discovers a serious problem a more specific Inspection may be recommended. It's a good idea to consider having your home inspected for the presence of a variety of health-related risks like radon gas asbestos, or possible problems with the water or waste disposal system.22. HOW CAN I PROTECT MY FAMILY FROM LEAD IN THE HOME? If the house you're considering was built before 1978 and you have children under the age of seven, you will want to have an inspection for lead-based point. It's important to know that lead flakes from paint can be present in both the home and in the soil surrounding the house. The problem can be fixed temporarily by repairing damaged paint surfaces or planting grass over effected soil. Hiring a lead abatement contractor to remove paint chips and seal damaged areas will fix the problem permanently.23. ARE POWER LINES A HEALTH HAZARD? There are no definitive research findings that indicate exposure to power lines results in greater instances of disease or illness.24. DO I NEED A LAWYER TO BUY A HOME? Laws vary by state. Some states require a lawyer to assist in several aspects of the home buying process while other states do not, as long as a qualified real estate professional is involved. Even if your state doesn't require one, you may want to hire a lawyer to help with the complex paperwork and legal contracts. A lawyer can review contracts, make you aware of special considerations, and assist you with the closing process. Your real estate agent may be able to recommend a lawyer. If not, shop around. Find out what services are provided for what fee, and whether the attorney is experienced at representing homebuyers.25. DO I REALLY NEED HOMEOWNER'S INSURANCE? Yes. A paid homeowner's insurance policy (or a paid receipt for one) is required at closing, so arrangements will have to be made prior to that day. Plus, involving the insurance agent early in the home buying process can save you money. Insurance agents are a great resource for information on home safety and they can give tips on how to keep insurance premiums low.26. WHAT STEPS COULD I TAKE TO LOWER MY HOMEOWNER'S INSURANCE COSTS? Be sure to shop around among several insurance companies. Also, consider the cost of insurance when you look at homes. Newer homes and homes constructed with materials like brick tend to have lower premiums. Think about avoiding areas prone to natural disasters, like flooding. Choose a home with a fire hydrant or a fire department nearby.27. IS THE HOME LOCATED IN A FLOOD PLAIN? Your real estate agent or lender can help you answer this question. If you live in a flood plain, the lender will require that you have flood insurance before lending any money to you. But if you live near a flood plain, you may choose whether or not to get flood insurance coverage for your home. Work with an insurance agent to construct a policy that fits your needs.28. WHAT OTHER ISSUES SHOULD I CONSIDER BEFORE I BUY MY HOME? Always check to see if the house is in a low-lying area, in a high-risk area for natural disasters (like earthquakes, hurricanes, tornadoes, etc.), or in a hazardous materials area. Be sure the house meets building codes. Also consider local zoning laws, which could affect remodeling or making an addition in the future. Your real estate agent should be able to help you with these questions.29. HOW DO I MAKE AN OFFER? Your real estate agent will assist you in making an offer, which will include the following information:
-   Complete legal description of the property -   Amount of earnest money -   Down payment and financing details -   Proposed move-in date -   Price you are offering -   Proposed closing date -   Length of time the offer is valid -   Details of the deal Remember that a sale commitment depends on negotiating a satisfactory contract with the seller, not just Making an offer.Other ways to lower ins-insurance costs include insuring your home and car(s) with the same company, increasing home security, and seeking group coverage through alumni or business associations. Insurance costs are always lowered by raising your deductibles, but this exposes you to a higher out-of-pocket cost if you have to file a claim.30. HOW DO I DETERMINE THE INITIAL OFFER? Unless you have a buyer's agent, remember that the agent works for the seller. Make a point of asking him or her to keep your discussions and information confidential. Listen to your real estate agent's advice, but follow your own instincts on deciding a fair price. Calculating your offer should involve several factors: what homes sell for in the area, the home's condition, how long it's been on the market, financing terms, and the seller's situation. By the time you're ready to make an offer, you should have a good idea of what the home is worth and what you can afford. And, be prepared for give-and-take negotiation, which is very common when buying a home. The buyer and seller may often go back and forth until they can agree on a price.31. WHAT IS EARNEST MONEY? HOW MUCH SHOULD I SET ASIDE? Earnest money is money put down to demonstrate your seriousness about buying a home. It must be substantial enough to demonstrate good faith and is usually between 1-5% of the purchase price (though the amount can vary with local customs and conditions). If your offer is accepted, the earnest money becomes part of your down payment or closing costs. If the offer is rejected, your money is returned to you. If you back out of a deal, you may forfeit the entire amount.32. WHAT ARE "HOME WARRANTIES", AND SHOULD I CONSIDER THEM? Home warranties offer you protection for a specific period of time (e.g., one year) against potentially costly problems, like unexpected repairs on appliances or home systems, which are not covered by homeowner's insurance. Warranties are becoming more popular because they offer protection during the time immediately following the purchase of a home, a time when many people find themselves cash-strapped.GENERAL FINANCING QUESTIONS:THE BASICS 33. WHAT IS A MORTGAGE?Generally speaking, a mortgage is a loan obtained to purchase real estate. The "mortgage" itself is a lien (a legal claim) on the home or property that secures the promise to pay the debt. All mortgages have two features in common: principal and interest.34. WHAT IS A LOAN TO VALUE (LTV) HOW DOES IT DETERMINE THE SIZE OF MY LOAN? The loan to value ratio is the amount of money you borrow compared with the price or appraised value of the home you are purchasing. Each loan has a specific LTV limit. For example: With a 95% LTV loan on a home priced at $50,000, you could borrow up to $47,500 (95% of $50,000), and would have to pay,$2,500 as a down payment.The LTV ratio reflects the amount of equity borrowers have in their homes. The higher the LTV the less cash homebuyers are required to pay out of their own funds. So, to protect lenders against potential loss in case of default, higher LTV loans (80% or more) usually require mortgage insurance policy.35. WHAT TYPES OF LOANS ARE AVAILABLE AND WHAT ARE THE ADVANTAGES OF EACH? Fixed Rate Mortgages: Payments remain the same for the the life of the loanTypes
-   15-year -   30-year Advantages
-   Predictable -   Housing cost remains unaffected by interest rate changes and inflation. Adjustable Rate Mortgages (ARMS): Payments increase or decrease on a regular schedule with changes in interest rates; increases subject to limitsTypes
-   Balloon Mortgage- Offers very low rates for an Initial period of time (usually 5, 7, or 10 years); when time has elapsed, the balance is clue or refinanced (though not automatically) -   Two-Step Mortgage- Interest rate adjusts only once and remains the same for the life of the loan -   ARMS linked to a specific index or margin Advantages
-   Generally offer lower initial interest rates -   Monthly payments can be lower -   May allow borrower to qualify for a larger loan amount 36. WHEN DO ARMS MAKE SENSE? An ARM may make sense If you are confident that your income will increase steadily over the years or if you anticipate a move in the near future and aren't concerned about potential increases in interest rates.37. WHAT ARE THE ADVANTAGES OF 15- AND 30-YEAR LOAN TERMS? 30-Year:
-   In the first 23 years of the loan, more interest is paid off than principal, meaning larger tax deductions. -   As inflation and costs of living increase, mortgage payments become a smaller part of overall expenses. 15-year:
-   Loan is usually made at a lower interest rate. -   Equity is built faster because early payments pay more principal. 38. CAN I PAY OFF MY LOAN AHEAD OF SCHEDULE? Yes. By sending in extra money each month or making an extra payment at the end of the year, you can accelerate the process of paying off the loan. When you send extra money, be sure to indicate that the excess payment is to be applied to the principal. Most lenders allow loan prepayment, though you may have to pay a prepayment penalty to do so. Ask your lender for details.39. ARE THERE SPECIAL MORTGAGES FOR FIRST-TIME HOMEBUYERS? Yes. Lenders now offer several affordable mortgage options which can help first-time homebuyers overcome obstacles that made purchasing a home difficult in the past. Lenders may now be able to help borrowers who don't have a lot of money saved for the down payment and closing costs, have no or a poor credit history, have quite a bit of long-term debt, or have experienced income irregularities.40. HOW LARGE OF A DOWN PAYMENT DO I NEED? There are mortgage options now available that only require a down payment of 5% or less of the purchase price. But the larger the down payment, the less you have to borrow, and the more equity you'll have. Mortgages with less than a 20% down payment generally require a mortgage insurance policy to secure the loan. When considering the size of your down payment, consider that you'll also need money for closing costs, moving expenses, and - possibly -repairs and decorating.41. WHAT IS INCLUDED IN A MONTHLY MORTGAGE PAYMENT? The monthly mortgage payment mainly pays off principal and interest. But most lenders also include local real estate taxes, homeowner's insurance, and mortgage insurance (if applicable).42. WHAT FACTORS AFFECT MORTGAGE PAYMENTS? The amount of the down payment, the size of the mortgage loan, the interest rate, the length of the repayment term and payment schedule will all affect the size of your mortgage payment.43. HOW DOES THE INTEREST RATE FACTOR IN SECURING A MORTGAGE LOAN? A lower interest rate allows you to borrow more money than a high rate with the some monthly payment. Interest rates can fluctuate as you shop for a loan, so ask-lenders if they offer a rate "lock-in"which guarantees a specific interest rate for a certain period of time. Remember that a lender must disclose the Annual Percentage Rate (APR) of a loan to you. The APR shows the cost of a mortgage loan by expressing it in terms of a yearly interest rate. It is generally higher than the interest rate because it also includes the cost of points, mortgage insurance, and other fees included in the loan.44. WHAT HAPPENS IF INTEREST RATES DECREASE AND I HAVE A FIXED RATE LOAN? If interest rates drop significantly, you may want to investigate refinancing. Most experts agree that if you plan to be in your house for at least 18 months and you can get a rate 2% less than your current one, refinancing is smart. Refinancing may, however, involve paying many of the same fees paid at the original closing, plus origination and application fees.45. WHAT ARE DISCOUNT POINTS? Discount points allow you to lower your interest rate. They are essentially prepaid interest, With each point equaling 1% of the total loan amount. Generally, for each point paid on a 30-year mortgage, the interest rate is reduced by 1/8 (or.125) of a percentage point. When shopping for loans, ask lenders for an interest rate with 0 points and then see how much the rate decreases With each point paid. Discount points are smart if you plan to stay in a home for some time since they can lower the monthly loan payment. Points are tax deductible when you purchase a home and you may be able to negotiate for the seller to pay for some of them.46. WHAT IS AN ESCROW ACCOUNT? DO I NEED ONE? Established by your lender, an escrow account is a place to set aside a portion of your monthly mortgage payment to cover annual charges for homeowner's insurance, mortgage insurance (if applicable), and property taxes. Escrow accounts are a good idea because they assure money will always be available for these payments. If you use an escrow account to pay property tax or homeowner's insurance, make sure you are not penalized for late payments since it is the lender's responsibility to make those payments.FIRST STEPS 47. WHAT STEPS NEED TO BE TAKEN TO SECURE A LOAN? The first step in securing a loan is to complete a loan application. To do so, you'll need the following information.
-   Pay stubs for the past 2-3 months -   W-2 forms for the past 2 years -   Information on long-term debts -   Recent bank statements -   tax returns for the past 2 years -   Proof of any other income -   Address and description of the property you wish to buy -   Sales contract During the application process, the lender will order a report on your credit history and a professional appraisal of the property you want to purchase. The application process typically takes between 1-6 weeks.48. HOW DO I CHOOSE THE RIGHT LENDER FOR ME? Choose your lender carefully. Look for financial stability and a reputation for customer satisfaction. Be sure to choose a company that gives helpful advice and that makes you feel comfortable. A lender that has the authority to approve and process your loan locally is preferable, since it will be easier for you to monitor the status of your application and ask questions. Plus, it's beneficial when the lender knows home values and conditions in the local area. Do research and ask family, friends, and your real estate agent for recommendations.49. HOW ARE PRE-QUALIFYING AND PRE-APPROVAL DIFFERENT? Pre-qualification is an informal way to see how much you maybe able to borrow. You can be 'pre-qualified' over the phone with no paperwork by telling a lender your income, your long-term debts, and how large a down payment you can afford. Without any obligation, this helps you arrive at a ballpark figure of the amount you may have available to spend on a house.Pre-approval is a lender's actual commitment to lend to you. It involves assembling the financial records mentioned in Question 47 (Without the property description and sales contract) and going through a preliminary approval process. Pre-approval gives you a definite idea of what you can afford and shows sellers that you are serious about buying.50. HOW CAN I FIND OUT INFORMATION ABOUT MY CREDIT HISTORY? There are three major credit reporting companies: Equifax, Experian, and Trans Union. Obtaining your credit report is as easy as calling and requesting one. Once you receive the report, it's important to verify its accuracy. Double check the "high credit limit,"'total loan," and 'past due" columns. It's a good idea to get copies from all three companies to assure there are no mistakes since any of the three could be providing a report to your lender. Fees, ranging from $5-$20, are usually charged to issue credit reports but some states permit citizens to acquire a free one. Contact the reporting companies at the numbers listed for more information.CREDIT REPORTING COMPANIES
Company Name Phone Number
Experian  1-888-524-3666
Equifax 1-800-685-1111
Trans Union 1-800-916-8800 51. WHAT IF I FIND A MISTAKE IN MY CREDIT HISTORY? Simple mistakes are easily corrected by writing to the reporting company, pointing out the error, and providing proof of the mistake. You can also request to have your own comments added to explain problems. For example, if you made a payment late due to illness, explain that for the record. Lenders are usually understanding about legitimate problems.52. WHAT IS A CREDIT BUREAU SCORE AND HOW DO LENDERS USE THEM? A credit bureau score is a number, based upon your credit history, that represents the possibility that you will be unable to repay a loan. Lenders use it to determine your ability to qualify for a mortgage loan. The better the score, the better your chances are of getting a loan. Ask your lender for details.53. HOW CAN I IMPROVE MY SCORE? There are no easy ways to improve your credit score, but you can work to keep it acceptable by maintaining a good credit history. This means paying your bills on time and not overextending yourself by buying more than you can afford.FINDING the RIGHT LOAN for YOU 54. HOW DO I CHOOSE THE BEST LOAN - PROGRAM FOR ME?Your personal situation will determine the best kind of loan for you. By asking yourself a few questions, you can help narrow your search among the many options available and discover which loan suits you best.
-   Do you expect your finances to changeover the next few years? -   Are you planning to live in this home for a long period of time? -   Are you comfortable with the idea of a changing mortgage payment amount? -   Do you wish to be free of mortgage debt as your children approach college age or as you prepare for retirement? Your lender can help you use your answers to questions such as these to decide which loan best fits your needs.55. WHAT IS THE BEST WAY TO COMPARE LOAN TERMS BETWEEN LENDERS? First, devise a checklist for the information from each lending institution. You should include the company's name and basic information, the type of mortgage, minimum down payment required, interest rate and points, closing costs, loan processing time, and whether prepayment is allowed.Speak with companies by phone or in person. Be sure to call every lender on the list the same day, as interest rates can fluctuate daily. In addition to doing your own research, your real estate agent may have access to a database of lender and mortgage options. Though your agent may primarily be affiliated with a particular lending institution, he or she may also be able to suggest a variety of different lender options to you.56. ARE THERE ANY COSTS OR FEES ASSOCIATED WITH THE LOAN ORIGINATION PROCESS? Yes. When you turn in your application, you'll be required to pay a loan application fee to cover the costs of underwriting the loan. This fee pays for the home appraisal, a copy of your credit report, and any additional charges that may be necessary. The application fee is generally non-refundable.57. WHAT IS RESPA? RESPA stands for Real Estate Settlement Procedures Act. It requires lenders to disclose information to potential customers throughout the mortgage process, By doing so, it protects borrowers from abuses by lending institutions. RESPA mandates that lenders fully inform borrowers about all closing costs, lender servicing and escrow account practices, and business relationships between closing service providers and other parties to the transaction.For more information on RESPA, or call 1-800-569-4287 for a local counseling referral.58. WHAT IS A GOOD FAITH ESTIMATE, AND HOW DOES IT HELP ME? It's an estimate that lists all fees paid before closing, all closing costs, and any escrow costs you will encounter when purchasing a home. The lender must supply it within three days of your application so that you can make accurate judgments when shopping for a loan.59. BESIDES RESPA, DOES THE LENDER HAVE ANY ADDITIONAL RESPONSIBILITIES? Lenders are not allowed to discriminate in any way against potential borrowers. If you believe a lender is refusing to provide his or her services to you on the basis of race, color, nationality, religion, sex, familial status, or disability, contact HUD's Office of Fair Housing at 1-800-669-9777 (or 1-800-927-9275 for the hearing impaired).60. WHAT RESPONSIBILITIES DO I HAVE DURING THE LENDING PROCESS? To ensure you won't fall victim to loan fraud, be sure to follow all of these steps as you apply for a loan:
-   Be sure to read and understand everything before you sign. -   Refuse to sign any blank documents. -   Do not buy property for someone else. -   Do not overstate your income. -   Do not overstate how long you have been employed. -   Do not overstate your assets. -   Accurately report your debts. -   Do not change your income tax returns for any reason. Tell the whole truth about gifts. Do not list fake co-borrowers on your loan application. -   Be truthful about your credit problems, past and present. -   Be honest about your intention to occupy the house -   Do not provide false supporting documents. CLOSING 61. WHAT HAPPENS AFTER I'VE APPLIED FOR MY LOAN?It usually takes a lender between 1-6 weeks to complete the evaluation of your application. Its not unusual for the lender to ask for more information once the application has been submitted. The sooner you can provide the information, the faster your application will be processed. Once all the information has been verified the lender will call you to let you know the outcome of your application. If the loan is approved, a closing date is set up and the lender will review the closing with you. And after closing, you'll be able to move into your new home.62. WHAT SHOULD I LOOK OUT FOR DURING THE FINAL WALK-THROUGH? This will likely be the first opportunity to examine the house without furniture, giving you a clear view of everything. Check the walls and ceilings carefully, as well as any work the seller agreed to do in response to the inspection. Any problems discovered previously that you find uncorrected should be brought up prior to closing. It is the seller's responsibility to fix them.63. WHAT MAKES UP CLOSING COST? There may be closing cost customary or unique to a certain locality, but closing cost are usually made up of the following:
-   Attorney's or escrow fees (Yours and your lender's if applicable) -   Property taxes (to cover tax period to date) -   Interest (paid from date of closing to 30 days before first monthly payment) -   Loan Origination fee (covers lenders administrative cost) -   Recording fees -   Survey fee -   First premium of mortgage Insurance (if applicable) -   Title Insurance (yours and lender's) -   Loan discount points -   First payment to escrow account for future real estate taxes and insurance -   Paid receipt for homeowner's insurance policy (and fire and flood insurance if applicable) -   Any documentation preparation fees 64. WHAT CAN I EXPECT TO HAPPEN ON CLOSING DAY? You'll present your paid homeowner's insurance policy or a binder and receipt showing that the premium has been paid. The closing agent will then list the money you owe the seller (remainder of down payment, prepaid taxes, etc.) and then the money the seller owes you (unpaid taxes and prepaid rent, if applicable). The seller will provide proofs of any inspection, warranties, etc.Once you're sure you understand all the documentation, you'll sign the mortgage, agreeing that if you don't make payments the lender is entitled to sell your property and apply the sale price against the amount you owe plus expenses. You'll also sign a mortgage note, promising to repay the loan. The seller will give you the title to the house in the form of a signed deed.You'll pay the lender's agent all closing costs and, in turn,he or she will provide you with a settlement statement of all the items for which you have paid. The deed and mortgage will then be recorded in the state Registry of Deeds, and you will be a homeowner.65. WHAT DO I GET AT CLOSING?
-   Settlement Statement, HUD-1 Form (itemizes services provided and the fees charged; it is filled out by the closing agent and must be given to you at or before closing) -   Truth-in-Lending Statement -   Mortgage Note -   Mortgage or Deed of Trust -   Binding Sales Contract (prepared by the seller; your lawyer should review it) -   Keys to your new home HOW CAN HUD and the FHA HELP ME BECOME a HOMEOWNER 66. WHAT IS THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT?Also known as HUD, the U.S. Department of Housing and Urban Development was established in 1965 to develop national policies and programs to address housing needs in the U.S. One of HUD's primary missions is to create a suitable living environment for all Americans by developing and improving the country's communities and enforcing fair housing laws67. HOW DOES HUD HELP HOMEBUYERS AND HOMEOWNERS? HUD helps people by administering a variety of programs that develop and support affordable housing. Specifically, HUD plays a large role in homeownership by making loans available for lower- and moderate-income families through its FHA mortgage insurance program and its HUD Homes program. HUD owns homes in many communities throughout the U.S. and offers them for sale at attractive prices and economical terms. HUD also seeks to protect consumers through education, Fair Housing Laws, and housing rehabilitation initiatives.68. WHAT IS THE FHA? Now an agency within HUD, the Federal Housing Administration was established in 1934 to advance opportunities for Americans to own homes. By providing private lenders with mortgage insurance, the FHA gives them the security they need to lend to first-time buyers who might not be able to qualify for conventional loans. The FHA has helped more than 26 million Americans buy a home.69. HOW CAN THE FHA ASSIST ME IN BUYING A HOME? The FHA works to make homeownership a possibility for more Americans. With the FHA, you don't need perfect credit or a high-paying job to qualify for a loan. The FHA also makes loans more accessible by requiring smaller down payments than conventional loans. In fact, an FHA down payment could be as little as a few months rent. And your monthly payments may not be much more than rent.70. HOW IS THE FHA FUNDED? Lender claims paid by the FHA mortgage insurance program are drawn from the Mutual Mortgage Insurance fund. This fund is made up of premiums paid by FHA-insured loan borrowers. No tax dollars are used to fund the program.71. WHO CAN QUALIFY FOR FHA LOANS anyone who meets the credit requirements, can afford the mortgage payments and cash investment, and who plans to use the mortgaged property as a primary residence may apply for an FHA-insured loan.72. WHAT IS THE FHA LOAN LIMIT? FHA loan limits vary throughout the country, from $115,200 in low-cost areas to $208,800 in high-cost areas. The loan maximums for multi-unit homes are higher than those for single units and also vary by area.Because these maximums are linked to the conforming loan limit and average area home prices, FHA loan limits are periodically subject to change. Ask your lender for details and confirmation of current limits.73. WHAT ARE THE STEPS INVOLVED IN THE FHA LOAN PROCESS? With the exception of a few additional forms, the FHA loan application process is similar to that of a conventional loan (see Question 47). With new automation measures, FHA loans may be originated more quickly than before. And, if you don't prefer a face-to-face meeting, you can apply for an FHA loan via mail, telephone, the Internet, or video conference.74. HOW MUCH INCOME DO I NEED TO HAVE TO QUALIFY FOR AN FHA LOAN? There is no minimum income requirement. But you must prove steady income for at least three years, and demonstrate that you've consistently paid your bills on time.75. WHAT QUALIFIES AS AN INCOME SOURCE FOR THE FHA? Seasonal pay, child support, retirement pension payments, unemployment compensation, VA benefits, military pay, Social Security income, alimony, and rent paid by family all qualify as income sources. Part-time pay, overtime, and bonus pay also count as long as they are steady. Special savings plans-such as those set up by a church or community association - qualify, too. Income type is not as important as income steadiness with the FHA.76. CAN I CARRY DEBT AND STILL QUALIFY FOR FHA LOANS? Yes. Short-term debt doesn't count as long as it can be paid off within 10 months. And some regular expenses, like child care costs, are not considered debt. Talk to your lender or real estate agent about meeting the FHA debt-to-income ratio.77. WHAT IS THE DEBT-TO-INCOME RATIO FOR FHA LOANS? The FHA allows you to use 29% of your income towards housing costs and 41% towards housing expenses and other long-term debt. With a conventional loan, this qualifying ratio allows only 28% toward housing and 36% towards housing and other debt78. CAN I EXCEED THIS RATIO? You may qualify to exceed if you have:
-   a large down payment -   a demonstrated ability to pay more toward your housing expenses -   substantial cash reserves -   net worth enough to repay the mortgage regardless of income -   evidence of acceptable credit history or limited credit use -   less-than-maximum mortgage terms -   funds provided by an organization -   a decrease in monthly housing expenses 79. HOW LARGE A DOWN PAYMENT DO I NEED WITH AN FHA LOAN? You must have a down payment of at least 3% of the purchase price of the home. Most affordable loan programs offered by private lenders require between a 3%-5% down payment, with a minimum of 3% coming directly from the borrower's own funds.80. WHAT CAN I USE TO PAY THE DOWN PAYMENT AND CLOSING COSTS OF AN FHA LOAN? Besides your own funds, you may use cash gifts or money from a private savings club. If you can do certain repairs and improvements yourself, your labor may be used as part of a down 8 payment (called -sweat equity"). If you are doing a lease purchase, paying extra rent to the seller may also be considered the same as accumulating cash.81. HOW DOES MY CREDIT HISTORY IMPACT MY ABILITY TO QUALIFY? The FHA is generally more flexible than conventional lenders in its qualifying guidelines. In fact, the FHA allows you to re-establish credit if:
-   two years have passed since a bankruptcy has been discharged -   all judgments have been paid -   any outstanding tax liens have been satisfied or appropriate arrangements have been made to establish a repayment plan with the IRS or state Department of Revenue -   three years have passed since a foreclosure or a deed-in-lieu has been resolved 82. CAN I QUALIFY FOR AN FHA LOAN WITHOUT A CREDIT HISTORY? Yes. If you prefer to pay debts in cash or are too young to have established credit, there are other ways to prove your eligibility. Talk to your lender for details.83. WHAT TYPES OF CLOSING COSTS ARE ASSOCIATED WITH FHA-INSURED LOANS? Except for the addition of an FHA mortgage insurance premium, FHA closing costs are similar to those of a conventional loan outlined in Question 63. The FHA requires a single, upfront mortgage insurance premium equal to 2.25% of the mortgage to be paid at closing (or 1.75% if you complete the HELP program- see Question 91). This initial premium may be partially refunded if the loan is paid in full during the first seven years of the loan term. After closing, you will then be responsible for an annual premium - paid monthly - if your mortgage is over 15 years or if you have a 15-year loan with an LTV greater than 90%.84. CAN I ROLL CLOSING COSTS INTO my FHA LOAN? No. Though you can't roll closing costs into your FHA loan, you may be able to use the amount you pay for them to help satisfy the down payment requirement. Ask your lender for details.85. ARE FHA LOANS ASSUMABLE? Yes. You can assume an existing FHA-insured loan, or, if you are the one deciding to sell, allow a buyer to assume yours. Assuming a loan can be very beneficial, since the process is streamlined and less expensive compared to that for a new loan. Also, assuming a loan can often result in a lower interest rate. The application process consists basically of a credit check and no property appraisal is required. And you must demonstrate that you have enough income to support the mortgage loan. In this way, qualifying to assume a loan is similar to the qualification requirements for a new one.86. WHAT SHOULD I DO IF I CAN'T MAKE A PAYMENT ON LOAN? Call or, write to your lender as soon as possible. Clearly explain the situation and be prepared to provide him or her with financial information.87. ARE THERE ANY OPTIONS IF I FALL BEHIND ON MY LOAN PAYMENTS? Yes. Talk to your lender or a HUD-approved counseling agency for details. Listed below are a few options that may help you get back on track.For FHA loans:
-   Keep living in your home to qualify for assistance. -   Contact a HUD-approved housing counseling agency (1-800-569-4287 or TDD: 1-800-483-2209) and cooperate with the counselor/lender trying to help you. -   HUD has a number of special loss mitigation programs available to help you: -   Special Forbearance: Your lender will arrange for a revised repayment plan which may Include temporary reduction or suspension of payments; you can qualify by having an Involuntary reduction in your Income or Increase In living expenses. -   Mortgage Modification: Allows refinance debt and/or extend the term of the your mortgage loan which may reduce your monthly payments; you can qualify if you have recovered from financial problems, but net Income Is less than before. -   Partial Claim: Your lender maybe able to help you obtain an interest-free loan from HUD to bring your mortgage current. -   Pre-foreclosure Sale: Allows you to sell your property and pay off your mortgage loan ,to avoid foreclosure. -   Deed-in lieu of Foreclosure: Lets you voluntarily "give back" your property to the lender; it won't save your house but will help you avoid the costs, time, and effort of the foreclosure process. -   If you are having difficulty with an-uncooperative lender or feel your loan servicer is not providing you with the most effective loss mitigation options, call the FHA Loss Mitigation Center at 1-888-297-8685 for additional help. For Conventional Loans: Talk to your lender about specific loss mitigation options. Work directly with him or her to request a "workout packet." A secondary lender, like Fannie Mae or Freddie Mac, may have purchased your loan. Your lender can follow the appropriate guidelines set by Fannie or Freddie to determine the best option for your situation.Fannie Mae does not deal directly with the borrower. They work with the lender to determine the loss mitigation program that best fits your needs.Freddie Mac, like Fannie Mae, will usually only work with the loan servicer. However, if you encounter problems with your lender during the loss mitigation process, you can coil customer service for help at 1-800-FREDDIE (1-800-373-3343).In any loss mitigation situation, it is important to remember a few helpful hints:
-   Explore every reasonable alternative to avoid losing your home, but beware of scams. For example, watch out for: Equity skimming: a buyer offers to repay the mortgage or sell the property if you sign over the deed and move out. Phony counseling agencies: offer counseling for a fee when it is often given at no charge.
-   Don't sign anything you don't understand. MORTGAGE INSURANCE 88. WHAT IS MORTGAGE INSURANCE?Mortgage insurance is a policy that protects lenders against some or most of the losses that result from defaults on home mortgages. It's required primarily for borrowers making a down payment of less than 20%.89. HOW DOES MORTGAGE INSURANCE WORK? IS IT LIKE HOME OR AUTO INSURANCE? Like home or auto insurance, mortgage insurance requires payment of a premium, is for protection against loss, and is used in the event of an emergency. If a borrower can't repay an insured mortgage loan as agreed, the lender may foreclose on the property and file a claim with the mortgage insurer for some or most of the total losses.90. DO I NEED MORTGAGE INSURANCE? HOW DO I GET IT? You need mortgage insurance only if you plan to make a down payment of less than 20% of the purchase price of the home. The FHA offers several loan programs that may meet your needs. Ask your lender for details.91. HOW CAN I RECEIVE A DISCOUNT ON THE FHA INITIAL MORTGAGE INSURANCE PREMIUM? Ask your real estate agent or lender for information on the HELP program from the FHA. HELP - Homebuyer Education Learning Program - is structured to help people like you begin the homebuying process. It covers such topics as budgeting, finding a home, getting a loan, and home maintenance. In most cases, completion of this program may entitle you to a reduction in the initial FHA mortgage insurance premium from 2.25% to 1.75% of the purchase price of your new home.92. WHAT IS PMI? PMI stands for Private Mortgage Insurance or Insurer. These are privately-owned companies that provide mortgage insurance. They offer both standard and special affordable programs for borrowers. These companies provide guidelines to lenders that detail the types of loans they will insure. Lenders use these guidelines to determine borrower eligibility. PMI's usually have stricter qualifying ratios and larger down payment requirements than the FHA, but their premiums are often lower and they insure loans that exceed the FHA limit.FHA PRODUCTS 93. WHAT IS A 203(b) LOAN?This is the most commonly used FHA program. It offers a low down payment, flexible qualifying guidelines, limited lender's fees, and a maximum loan amount.94. WHAT IS A 203(k) LOAN? This is a loan that enables the homebuyer to finance both the purchase and rehabilitation of a home through a single mortgage. A portion of the loan is used to pay off the seller's existing mortgage and the remainder is placed in an escrow account and released as rehabilitation is completed. Basic guidelines for 203(k) loans are as follows:
-   The home must be at least one year old. -   The cost of rehabilitation must be at least $5,000, but the total property value - including the cost of repairs - must fall within the FHA maximum mortgage limit. -   The 203(k) loan must follow many of the 203(b) eligibility requirements. -   Talk to your lender about specific improvement, energy efficiency, and structural guidelines. 95. WHAT IS AN ENERGY EFFICIENT MORTGAGE (EEM)? The Energy Efficient Mortgage allows a homebuyer to save future money on utility bills. This is done by financing the cost of adding energy-efficiency features to a new or existing home as part of an FHA-insured home purchase. The EEM can be used with both 203(b) and 203(k) loans. Basic guidelines for EEMs are as follows:
-   The cost of improvements must be determined by a Home Energy Rating System or by an energy consultant. This cost must be less than the anticipated savings from the improvements. -   One- and two-unit new or existing homes are eligible; condos are not. -   The improvements financed may be 5% of property value or $4,000, whichever is greater. The total must fall within the FHA loan limit. 96. DELETED. 97. WHAT IS A TITLE I LOAN? Given by a Lender and insured by the FHA, a Title I loan is used to make non-luxury renovations and repairs to a home. It offers a manageable interest rate and repayment schedule. Loans are limited to between $5,000 and 20,000. If the loan amount is under 7,500, no lien is required against your home. Ask your lender for details.98. WHAT OTHER LOAN PRODUCTS OR PROGRAMS DOES THE FHA OFFER? The FHA also insures loans for the purchase or rehabilitation of manufactured housing, condominiums, and cooperatives. It also has special programs for urban areas, disaster victims, and members of the armed forces. Insurance for ARMS is also available from the FHA.99. HOW CAN I OBTAIN AN FHA-INSURED LOAN? Contact an FHA-approved lender such as a participating mortgage company, bank, savings and loan association, or thrift. For more information on the FHA and how you can obtain an FHA loan, visit the HUD web site at http://www.hud.gov or call a HUD-approved counseling agency at 1-800-569-4287 or TDD: 1-800-877-8339.100. HOW CAN I CONTACT HUD? Visit the web site at http://www.hud.gov or look in the phone book "blue pages" for a listing of the HUD office near you. 
Content updated April 4, 2003 U.S. Department of Housing and Urban Development
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area home buyers and First Time Home Buyers, with credit problems -Damaged Credit ,Bad Credit Less than Perfect Credit, Mortgage, After or During,bankruptcy,100% one day after Bankruptcy discharge, credit card debt, bad credit scores, With or low income. We offer NO down payments, With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment mortgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, FHA Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment, Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, FHA mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid. Debt Consolodation loans, Refinance, Mortgage refinance, Refi, with Bad credit, After Bankruptcy , Bradenton Beach, Bristol, Brooksville, Bunnell , Bushnell, Callaway, Cape Canaveral, Cape Coral, Carrabelle, Casselberry, Cedar Key, Center Hill, Chattahoochee, Chiefland, Chipley, Clearwater, Clermont, Clewiston, Cocoa, Cocoa Beach, Coconut Creek, Coleman, Cooper City, Coral Gables, Coral Springs, Crescent City, Crestview, Crystal River, Cutler Ridge, Dade City, Dania Beach, Davenport, Daytona Beach, Daytona Beach Shores, De Bary, Deerfield Beach, De Funiak Springs, De Land, Delray Beach, Deltona, Destin, Dunedin, Dunnellon, Eagle Lake, Edgewater, Edgewood, Eustis, Everglades, Fanning Springs, Fellsmere, Fernandina Beach, Flagler Beach, Florida City, Fort Lauderdale, Fort Meade, Fort Myers, Fort Pierce, Fort Walton Beach, Freeport, Frostproof, Fruitland Park, Gainesville, Graceville, Greenacres, Green Cove Springs, Gretna, Groveland, Gulf Breeze, Gulfport, Haines City, Hallandale Beach, Hampton, Hawthorne, Hialeah, Hialeah Gardens, High Springs, Holly Hill, Hollywood., olmes Beach, Homestead, Indian Harbour Beach, Indian Rocks Beach, Inverness, Islandia, Jacksonville, Jacksonville Beach, Jacob City, Jasper, Key Colony Beach, Keystone Heights, Key West, Kissimmee, La Belle, Lake Butler, Lake Helen, Lakeland, Lake Mary, Lake Wales, Lake Worth, Mortgage loan programs-interest only-Home-loan-mortgage-adjustable rate-mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit  mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20-mortgage-First time home buyers mortgage programs-103%-Home-loans-mortgage-107%-Home-loans-mortgage-115%-Home-loans-mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down  mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate-mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit--refinance-home-loan-mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA-,

area home buyers and First Time Home Buyers, with credit problems -Damaged Credit, Bad Credit Less than Perfect Credit, Mortgage, After or During,bankruptcy,100% one day after Bankruptcy discharge, credit card debt, bad credit scores, With or low income. We offer NO down payments, With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment mortgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, FHA Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment, Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, FHA mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid. Debt Consolodation loans, Refinance, Mortgage refinance, REFI, with Bad credit, After Bankruptcy ,

Marco Island, Margate, Marianna, Mary Esther, Mascotte, Melbourne, Mexico Beach, Miami, Mortgage loan programs-interest only-Home-loan-mortgage-adjustable rate-mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20-mortgage-First time home buyers mortgage programs-103%-Home-loans-mortgage-107%-Home-loans-mortgage-115%-Home-loans-mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down  mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate-mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit--refinance-home-loan-mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA-,

area home buyers and First Time Home Buyers, with credit problems -Damaged Credit, Bad Credit Less than Perfect Credit, Mortgage, After or During,bankruptcy,100% one day after Bankruptcy discharge,  credit card debt, bad credit scores, With or low income. We offer NO down payments, With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment mortgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, Fha Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment, Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, FHA mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid. Debt Consolodation loans, Refinance, Mortgage refinance, Refi, with Bad credit, After Bankruptcy , Miami Beach, Miami Springs, Midway, Milton, Minneola, Miramar, Monticello,, Moore Haven, Mount Dora, Mulberry, Naples, Neptune Beach, Newberry, New Port Richey, New Smyrna Beach, Niceville, North Bay Village, North Lauderdale ,, North Miami, North Miami Beach, North Port, Oak Hill, Oakland, Oakland Park, Ocala, Ocoee, Okeechobee, Oldsmar, Opa-locka, Orange City, Orlando,, Ormond Beach, Oviedo, Pahokee, Palatka, Palm Beach Gardens, Palm Coast, Palmetto, Panama City, Panama City Beach, Parker, Parkland, Pembroke Pines, Pensacola, Perry,, Pinellas Park, Plantation, Plant City, Pompano Beach, Port Orange, Port Richey, Port St. Joe, Port St. Lucie, Punta Gorda, Quincy, Riviera Beach ,Rockledge ,St. Augustine, St. Augustine Beach, St. Cloud, St. Marks, St. Pete Beach, St. Petersburg, Mortgage loan programs-interest only-Home-loan-mortgage-adjustable rate-mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit  mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20-mortgage-First time home buyers mortgage programs-103%-Home-loans-mortgage-107%-Home-loans-mortgage-115%-Home-loans-mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down  mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate-mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit--refinance-home-loan-mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA-,

area home buyers and First Time Home Buyers, with credit problems -Damaged Credit, Bad Credit Less than Perfect Credit, Mortgage, After or During,bankruptcy,100% one day after Bankruptcy discharge, credit card debt, bad credit scores, With or low income. We offer NO down payments, With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment mortgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, FHA Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment, Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, FHA mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions  REPO's may remain unpaid. Debt Consolodation loans, Refinance, Mortgage refinance, REFI, with Bad credit, After Bankruptcy ,San Antonio, Sanford, Sanibel, Sarasota, Satellite Beach, Sebastian, Sebring, Seminole, Sopchoppy, South Bay, South Daytona, South Miami, South Pasadena, Springfield, Starke, Stuart, Sunny Isles Beach, Sunrise, Sweetwater, Tallahassee , Tarpon Springs, Tavares, Temple Terrace, Titusville, Treasure Island, Trenton, Umatilla, Valparaiso, Venice, Vernon, Vero Beach, Waldo, Wauchula, Webster, Weeki Wachee, West Melbourne, West Miami, Weston, West Palm Beach, Wewahitchka, Wildwood, Williston, Wilton Manors, Winter Garden, Winter Haven, Winter Park, Winter Springs, Zephyrhills,

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Tampa mortgage loan programs, Tampa interest only mortgage, Tampa adjustable rate mortgage, Tampa bad credit mortgage home loans, Tampa Stated income mortgage loans, Tampa no doc mortgage, Tampa poor Credit mortgage, Tampa damaged credit mortgage, Tampa REFI mortgage. Tampa refinance mortgage, Tampa pay option arm, Tampa super jumbo mortgage loans, Tampa 80/20 mortgage, Tampa first time home buyers mortgage programs, Tampa 103% mortgage, Tampa 107% mortgage, Tampa 115% mortgage, Tampa Bad credit No credit mortgage, Tampa land contract refinance, Tampa zero down mortgage, Tampa no down payment mortgage, Tampa no money down mortgage, Tampa mortgage Payment calculators, Tampa seller carry back mortgage, Tampa seller held 2nd second mortgage, Tampa Less than perfect credit mortgage, Tampa Real estate loans, Tampa first time buyers mortgage, programs, Tampa first time buyers zero down mortgage, Tampa Self employed buyers mortgage, Florida MTA mortgage, Florida COFI mortgage pay option arm, Florida 40 year mortgage, Florida fixed rate mortgage, Tampa Mortgage Rates, Tampa mortgage quote, Tampa 125% second mortgage, Tampa streamline mortgage refinance, Tampa bad credit refinance mortgage, Tampa 100% mortgage, Tampa no money down mortgage, Tampa zero at closing mortgage, Mortgage Tampa, Tampa sub-prime mortgage, Tampa equity line of credit, Tampa mortgage home loan programs, Tampa 80/10/10 mortgage, Tampa 80/15/5 mortgage, Tampa no PMI mortgage, Tampa no mortgage insurance mortgage,

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Miami mortgage loan programs, Miami interest only mortgage, Miami adjustable rate mortgage, Miami bad credit mortgage home loans, Miami Stated income mortgage loans, Miami no doc mortgage, Miami poor Credit mortgage, Miami damaged credit mortgage, Miami REFI mortgage. Miami refinance mortgage, Miami pay option arm, Miami super jumbo mortgage loans, Miami 80/20 mortgage, Miami first time home buyers mortgage programs, Miami 103% mortgage, Miami 107% mortgage, Miami 115% mortgage, Miami Bad credit No credit mortgage, Miami land contract refinance, Miami zero down mortgage, Miami no down payment mortgage, Miami no money down mortgage, Miami mortgage Payment calculators, Miami seller carry back mortgage, Miami seller held 2nd second mortgage, Miami Less than perfect credit mortgage, Miami Real estate loans, Miami first time buyers mortgage, programs, Miami first time buyers zero down mortgage, Miami Self employed buyers mortgage, Miami MTA mortgage, Miami COFI mortgage pay option arm, Miami 40 year mortgage, Miami fixed rate mortgage, Miami Mortgage Rates, Miami mortgage quote, Miami 125% second mortgage, Miami streamline mortgage refinance, Miami bad credit refinance mortgage, Miami 100% mortgage, Miami no money down mortgage, Miami zero at closing mortgage, Mortgage Miami, Miami sub-prime mortgage, Miami equity line of credit, Miami mortgage home loan programs, Miami 80/10/10 mortgage, Miami 80/15/5 mortgage, Miami no PMI mortgage, Miami no mortgage insurance mortgage,

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Mortgage Refinance and Debt consolidation Frequently asked questions

In most cases there is no prepayment penalty with these loans, but read your documents carefully. Some loans will indeed penalize you an extra-prepayment penalty fee if you pay the loan early.Other Helpful Mortgage Siteswww.americanindependentmortgage.com www.tennesseemortgagepro.comwww.Nashvillemortgagepro.comwww.yourlocalmortgagepro.com California zero down mortgage, Adelanto zero down mortgage, Agoura Hills  zero down mortgage ,Alameda zero down mortgage, Albany zero down mortgage, Alhambra zero down mortgage, Alturas zero down mortgage,  Amador City zero down mortgage ,   American Canyon zero down mortgage, Anaheim zero down mortgage, Anderson zero down mortgage, Angels City zero down mortgage,  Antioch  zero down mortgage,  Apple Valley zero down mortgage,   Arcadia zero down mortgage,  Arcata zero down mortgage,  Arroyo Grande zero down mortgage, Artesia zero down mortgage, Arvin zero down mortgage, Atascadero zero down mortgage, Atherton zero down mortgage, Atwater zero down mortgage, Auburn zero down mortgage,  Avalon zero down mortgage, Avenal zero down mortgage, Azusa zero down mortgage,  Bakersfield zero down mortgage,  Baldwin Park zero down mortgage,Home Loans for Alabama, Alaska, Arizona, California, Colorado, Florida, Hawaii, Idaho, Indiana, Kentucky, Maine, Massachusetts, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, Oklahoma, South Dakota, Tennessee, Washington, Wisconsin, Wyoming, Tennessee,Mortgage loan programs-interest only-home-loan-mortgage-adjustable rate mortgage-Bad credit-mortgage-home loans-Stated income mortgage loans-No doc mortgage-poor Credit  mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20  mortgage-First time home buyers mortgage-home-loan-programs-103% mortgage-107% mortgage-115% mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down  mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage pay option arm-40 year mortgage-Fixed rate mortgage-125% second mortgage-Streamline mortgage refinance-Bad credit refinance mortgage-100% mortgage-No money down mortgage-Zero at closing mortgage-No down payment mortgage-Sub-prime mortgage-Home equity line of credit-Mortgage loan programs-80/10/10 mortgage-80/15/5 mortgage-No PMI mortgage-No mortgage insurance mortgage-0%-zero-nothing-No-Down-0-Payment-100%-100-100 percent-Mortgage-mortgage-FHA-HUD-VA- area home buyers and First Time Home Buyers, with credit problems -Damaged Credit,Bad Credit Less than Perfect Crdit, Morgage,After or During,bankruptcy,100% one day after Bankruptcy discharge,credit card debt, bad credit scores,With or low income. We offer NO down payments,With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment motgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, Fha Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment,Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, Fha mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid.Debt Consolodation loans,Refinance,Mortgage refinance, Refi,with Bad credit,After Bankruptcy ,  Banning zero down mortgage, Barstow zero down mortgage,  Beaumont zero down mortgage, Bell Gardens zero down 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We offer NO down payments,With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment motgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, Fha Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment,Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, Fha mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid.Debt Consolodation loans,Refinance,Mortgage refinance, Refi,with Bad credit,After Bankruptcy , Orland zero down mortgage, Oroville zero down mortgage, Oxnard zero down mortgage, Pacific Grove zero down mortgage, Pacifica zero down mortgage, Palm Desert zero down mortgage, Palm Springs zero down mortgage, Palmdale zero down mortgage, Palo Alto zero down mortgage, Palos Verdes Estates zero down mortgage, Paradise zero down mortgage, Paramount zero down mortgage, Parlier zero down mortgage,  Pasadena zero down mortgage,  Patterson zero down mortgage,  Perris zero down mortgage, Petaluma zero down mortgage, Pico Rivera zero down mortgage, Piedmont zero down mortgage,  Pinole zero down mortgage, Pismo Beach zero down mortgage, Pittsburg zero down mortgage,  Placentia zero down mortgage, Placerville zero down mortgage, Pleasant Hill zero down mortgage, Pleasanton zero down mortgage,   Plymouth zero down mortgage, Point Arena zero down mortgage,  Pomona zero down mortgage, Port Hueneme zero down mortgage,  Porterville zero down mortgage,   Portola zero down mortgage, Portola Valley zero down mortgage, Poway zero down mortgage, Rancho Cucamonga zero down mortgage,  Rancho Mirage zero down mortgage, Rancho Palos Verdes zero down mortgage, Rancho Santa Margarita zero down mortgage,  Red Bluff zero down mortgage,    Redding zero down mortgage,   Redlands zero down mortgage, Redondo Beach zero down mortgage,  Redwood City zero down mortgage, Reedley zero down mortgage,  Rialto zero down mortgage, Richmond zero down mortgage, Ridgecrest zero down mortgage, Rio Dell zero down mortgage, Rio Vista zero down mortgage, Ripon zero down mortgage,  Riverbank zero down mortgage, Riverside zero down mortgage,   Rocklin zero down mortgage,  Rohnert Park zero down mortgage,   Rolling Hills zero down mortgage, Rolling Hills Estates zero down mortgage,   Rosemead zero down mortgage,  Roseville zero down mortgage,   Ross zero down mortgage,   Sacramento zero down mortgage,   Salinas zero down mortgage,    San Anselmo zero down mortgage,  San Bernardino zero down mortgage, San Bruno zero down mortgage, San Buenaventura (Ventura) zero down mortgage, San Carlos  zero down mortgage, San Clemente  zero down mortgage, San Diego zero down mortgage, San Dimas zero down mortgage, San Fernando zero down mortgage,  San Francisco  zero down mortgage, San Gabriel zero down mortgage,    San Jacinto zero down mortgage,   San Joaquin zero down mortgage,    San Jose zero down mortgage,  San Juan Bautista zero down mortgage, Expert help for Alabama, Alaska, Arizona, California, Colorado, Florida, Hawaii, Idaho, Indiana, Kentucky, Maine, Massachusetts, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, Oklahoma, South Dakota, Tennessee, Washington, Wisconsin, Wyoming, Tennessee, area home buyers and First Time Home Buyers, with credit problems -Damaged Credit,Bad Credit Less than Perfect Crdit, Morgage,After or During,bankruptcy,100% one day after Bankruptcy discharge,credit card debt, bad credit scores,With or low income. 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mortgage, Expert help for Alabama, Alaska, Arizona, California, Colorado, Florida, Hawaii, Idaho, Indiana, Kentucky, Maine, Massachusetts, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, Oklahoma, South Dakota, Tennessee, Washington, Wisconsin, Wyoming, Tennessee-Mortgage loan programs-interest only mortgage-adjustable rate mortgage-Bad credit mortgage home loans-Stated income mortgage loans-No doc mortgage-poor Credit  mortgage-damaged credit mortgage-REFI-mortgage-refinance mortgage-pay option arm-super jumbo mortgage loans-80/20  mortgage-First time home buyers mortgage programs-103% mortgage-107% mortgage-115% mortgage-Bad credit No credit mortgage-Land contract refinance-Jumbo mortgage-Zero down  mortgage-Mortgage calculators-Seller carry back second mortgage-Seller 2nd mortgage-Less than perfect credit mortgage-Real estate loans-First time homebuyers mortgage programs-First time buyers zero down mortgage-Self employed buyers mortgage-MTA mortgage-COFI mortgage 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We offer NO down payments,With, NO minimum credit score, Home equity loans, free mortgage calculator, no down payment motgage, 100% Mortgage, 100 Lenders, 80/20 Mortgage, home loans, Fha Mortgage with Bad credit, Zero Down Mortgage, Zero down Payment,Zero Money Down, First Time Buyers program, 0% Down, internet mortgage loans, no money down mortgage loans, non-traditional credit, self-employed, JUMBO loans, construction loans, GIFT programs, NEW:MTA loan, FHA automated or manual underwriting, Fha mortgage, EQUITY lines of credit, 100%,103%,107% and 115% mortgages, manufactured and modular home loans, Interest only loans, no documentation mortgage, NO DOC, True No Doc, bank statement equals full doc, collections, Charge Off's and Repossesions REPO's may remain unpaid.Debt Consolodation loans,Refinance,Mortgage refinance, Refi,with Bad credit,After Bankruptcy , Tulare zero down mortgage,  Tule lake zero down mortgage,  Turlock zero down mortgage, Tustin zero down mortgage, Twenty nine Palms zero down mortgage, Ukiah zero down mortgage,    Union City zero down mortgage, Upland zero down mortgage,  Vacaville zero down mortgage, Vallejo zero down mortgage, Vernon zero down mortgage, Victorville zero down mortgage, Villa Park zero down mortgage, Visalia zero down mortgage, Vista zero down mortgage, Walnut zero down mortgage,  Walnut Creek zero down mortgage,  Wasco zero down mortgage, Waterford  zero down mortgage, Watsonville zero down mortgage, Weed zero down mortgage, West Covina zero down mortgage, West Hollywood zero down mortgage, West Sacramento zero down mortgage, Westlake Village zero down mortgage, Westminster zero down mortgage, Westmorland zero down mortgage, Wheatland zero down mortgage,  Whittier zero down mortgage, Williams zero down mortgage, Willits zero down mortgage, Willows zero down mortgage, Windsor zero down mortgage,  Winters zero down mortgage, Woodlake zero down mortgage,  Woodland zero down mortgage,  Woodside zero down mortgage, Yorba Linda zero down mortgage,  Yountville zero down mortgage, Yreka zero down mortgage, Yuba City zero down mortgage, Yucaipa zero down mortgage, Yucca Valley zero down mortgage,  A Abandonment The voluntary relinquishment of rights of ownership or other interest (such as an easement) by failure to use the property, coupled with an intent to abandon (give up the interest). Abatement A reduction or decrease. Usually applies to a decrease of assessed valuation of ad valorem taxes after the assessment and levy. Abstract A summary, an abridgement. Before the use of photo static copying, public records were kept by abstracts of recorded documents. Abstracter's Certificate A certificate contained in an abstract which shows the time period and scope of the search of public records done by the abstracter. Abstract Of Judgment A summary of the essential provisions of a court judgment, which when recorded in the county recorder's office, creates a lien upon the property of the defendant in that county, both presently owned or after acquired. Abstract Of Title A compilation of the recorded documents relating to a parcel of land, from which an attorney may give an opinion as to the condition of title. Still in use in some states, but giving way to the use of title insurance. Acceleration Clause Clause used in an installment note and mortgage (or deed of trust), which gives the lender the right to demand payment in full upon the happening of a certain event, such as failure to pay an installment by a certain date, change of ownership without the lender's consent, destruction of the property, or other event which endangers the security of the loan. Accessibility The location of a site in terms of how easily it may be reached by customers. employees, carriers, and others necessary to the intended use of the property Accord An agreement by which one accepts something different (usually less) from what is owed as full satisfaction The amount owed may be in dispute or simply accepted as full satisfaction by the creditor or claimant. The agreement and acceptance is called "Accord and Satisfaction." Accretion The gradual addition to the shore or bank of a waterway. The land generally becomes the property of the owner of the shore or bank, except where statutes specify otherwise. Accrued Depreciation
(1) The amount reserved each year in the accounting system for replacement of a building or other asset. (2) The useful life of a property at any given time. Acknowledgement A written declaration by a person executing an instrument, given before an officer authorized to give an oath (usually a notary public), stating that the execution is of his own volition. Acquisition Costs Costs of acquiring property other than purchase price: escrow fees, title insurance, lenders fees, etc. Act Of God Damage caused by nature (floods. winds. etc.) rather than destruction by man. Add on Interest A method of charging interest usually used in the financing of automobiles, but not generally used in real estate financing. Interest is computed on the total amount borrowed and added on to the principal. Each payment is then deducted from this total amount. Interest on real estate loans is usually figured based on the balance owing after each payment is made (declining balance). Adjusted Gross Income Gross income of a building it fully rented, less an allowance for estimated vacancies. Adjustable Rate Mortgages (arm's) Mortgage loans under which the interest rate is periodically adjusted to more closely coincide with current rates. The amounts and times of adjustment are agreed to at the inception of the loan. Also called: Adjustable Rate Loans, Adjustable Mortgage Loans (AML'S), Flexible Rate Loans, Variable Rate Loans. Ad Valorem "According to value." A method of taxation using the value of the thing taxed to determine the amount of tax. Taxes can be either "Ad Valorem" or "Specific." Example: A tax of $5.00 per $1000.00 of value per house is "Ad Valorom," A tax of S5.00 per house (irrespective of value) is "Specific." Advance Fee A fee charged by a broker to a seller to cover all ora portion of the broker's costs of promoting the property. The fee is generally credited against commissions but is not refunded if no commissions are received. Most frequently used in connection with large offerings which require a substantial outlay of funds for promotion. Agency A relationship created when one person (the principal) delegates to another (the agent) the fight to act on his or her behalf in business transactions. All inclusive Trust Deed (wrap-around mortgage) A financing technique which involves the creation of a new trust deed which includes the balance due on the existing note plus any new funds advanced. American Land Title Association (ALTA)
A national association of title insurance companies, abstractors, and agents. The association adopts standard title policy forms. Amortization Payment of a debt in equal installments of principal and interest, rather than interest only payments. Annual Percentage Rate (a.p.r.) The yearly interest percentage of a loan, as expressed by the actual rate of interest paid. For example: 6% add-on interest would be much more than 6% simple interest, even though both would say 6%. The A.P.R. is disclosed as a requirement of federal truth in lending statutes and should include all finance charges. Appel Loan (Accelerating Payoff Progressive Equity Loan) A residential property loan which calls for a payment increase over the first 6 years. Level payments are made for the remaining years and the loan paid off during the 15th year. There is no prepayment penalty and P.M.I. is required. Appraisal An opinion of value based upon a factual analysis. Legally, an estimation of value by two disinterested persons of suitable qualifications. Appraisal Methods Generally, three major methods of appraisal: Cost Approach, Income Approach, Market Value (comparables) Approach. Arrears (1) Payment made after it is due is in arrears. (2) Interest is said to be paid in arrears since it is paid to the date of payment rather than in advance, as is rent. Example: A rental payment made July 1 pays the rent to August 1. An interest payment made July 1 Pays the interest to July 1. Assumable A mortgage loan which can be transferred to another person without a change in the terms of the loan. VA and FHA loans are assumable, FHLMC and FNMA are not. Assumption of Note Agreement by a buyer to assume the liability under an existing note secured by a mortgage or deed of trust. The lender usually must approve the new debtor in order to release the existing debtor (usually the seller) from liability. Avigation Easement An easement over private property abut-ting an airport runway, which limits the height of crops, trees, structures. etc., in the aircraft's take off and landing path. BACK TO TOP B Balloon Note
A note calling for periodic payments which are insufficient to fully amortize the face amount of the note prior to maturity, so that a principal sum known as a "balloon" is due at maturity. Balloon Payment The unpaid principal amount of a loan due on a specific date in the future. Usually the amount that must be paid in a lump sum at the end of the term. Bankrupt One who is adjudicated a bankrupt by a court having proper jurisdiction. The bankruptcy may be voluntary (petitioned by the bankrupt) or involuntary (petitioned by the creditors of the bankrupt). Bankruptcy Proceedings under federal bankruptcy statutes to relieve a debtor (bankrupt) from insurmountable debt. The bankrupt's property is distributed by the court to the creditors as full satisfactions of the debts, in accordance with certain priorities and exemptions. Voluntary bankruptcy is petitioned by the debtor for, involuntary by the creditors. Before And After Method An appraisal method used in both condemnation and modernization. In condemnation the method is used in a partial taking. The value of the total land owned by A, for example, is $1.00 per sq. ft. After a partial taking, the remaining land of A is worth $.75 per sq. ft. A should receive $1.00 per sq. ft. for the property taken plus $.25 per sq. ft. for the remaining parcel. In the event the remaining property is worth $1.25 after the taking (increased value), the payment to A could be less than the value of the property taken. In modernization, an appraiser may take the value of property before and after remodeling to determine if the value increased more than modernization costs. Beneficiary The Person who is entitled to receive funds of property under the terms and provisions of a will, trust, insurance policy or security instrument. In connection with a mortgage loan the beneficiary is the lender. Bill Of Sale An instrument by which title to personal property is transferred or conveyed. Biweekly Also known as accelerated mortgages. Biweeklies reduce interest expense and build home equity faster than monthly payments. Blanket Mortgage (1) A mortgage covering more than one property of the mortgagor, such as a mortgage covering all the lots of a builder in a subdivision. (2) A mortgage covering all real property of the mortgagor, both present and future. When used in this meaning it is also called a "general mortgage". Bona Fide Purchaser A purchaser in good faith. for valuable consideration, without notice or knowledge of adverse claims of others. Sometimes abbreviated B.F.P. Book Depreciation
Depreciation reserved (on the books) by an owner for future replacement or retirement of an asset. Borough A part of a city, having authority over certain local matters. The best known boroughs are the five boroughs of New York City. Breach Of Warranty In real property, the failure of the seller to pass title as either expressed or implied (by law) in the conveyancing document. Breast Height The height at which the diameter of a tree is measured. A height of 4 1/2 feet above the ground level. The abbreviation D.B.H. (diameter-breast-height) is usually used. Broker, Real Estate One who is licensed by the state to carry on the business of dealing in real estate. A broker may receive a commission for his or her part in bringing together a buyer and seller, landlord and tenant, or parties to an exchange. Building And Loan Association An organization for the purpose of accumulating a fund by subscription and savings of its members, to assist them with loans for building or purchasing real estate. Buydown A payment to the lender from the seller, buyer, third party, or some combination of these, causing the lender to reduce the interest rate during the early years of a loan. The buydown is usually for the first 1 to 5 years of the loan. Buy-Sell Offer An offer by one owner of a business or real estate to buy out the interest of another owner of the same business or real estate (a partner or other shareholder), or to sell the offerer's interest at the same price or proportionate price if unequal ownership. Example: A and B each own a 112 interest in lot 1. A offers to buy B's interest for $10,000 or to sell A's interest to B for $10,000. Theoretically very fair, since B has the option to buy or sell. However, B's interest may be worth $12,000, but B is financially unable to buy A's interest (also worth $12,000). BACK TO TOP C Califomia Land Title Association (CLTA) A statewide association of tide insurers and underwritten title companies. The association adopts standard title policy forms. Call In a metes and bounds description, the angle and distance of a given line or arc. Each call is usually preceeded by the word then or thence. Example: N 220 E 100' (lst. call), thence N 800 E 1W (2nd. call).
Cancellation Clause A clause in a lease or other contract, setting forth the conditions under which each party may cancel or terminate the agreement. The conditions may be as simple as giving notice or complex and require payment by the party desiring to cancel. Cap The maximum which an adjustable rate mortgage may increase, regardless of index changes. Capital Assets Assets of a permanent nature used to produce income, such as machinery, buildings, equipment, land, etc. Must be distinguished from inventory. A machine which makes pencils, for example, would be a capital asset to a pencil manufacturer, but inventory to the company whose business is to sell such machines. Capital Gains Gains realized from the sale of capital assets. Generally, the difference between cost and selling price, less certain deductible expenses. Used mainly for income tax purposes. Caravan An inspection of newly listed properties, either by the entire sales staff of an office or by sales personnel from more than one office in conjunction with a multiple listing group. Generally conducted on a regular basis. Carrying Charges The costs involved in keeping a property which is intended to produce income (either by sale or rent) but has not yet done so. Caveat Emptor "Let the buyer beware." Legal maxim stating that the buyer takes the risk regarding quality or condition of the item purchased, unless protected by warranty or there is misrepresentation. Modernly, consumer protection laws have placed more responsibility for disclosure on the seller and broker. CC and Rs (Covenants, Conditions and Restrictions) Limitations placed on the use and enjoyment of real property. These are found most often in condominiums and planned unit developments. Certificate Of Title In areas where attorneys examine abstractor chains of title, a written opinion, executed by the examining attorney, stating that title is vested as stated in the abstract. Chain of Title A chronological list of recorded instruments tracing title to land, from the original owner to the present owner. Chains And Links Measurements. In real estate measurements (surveying) a chain is 66' long or 100 links, each link being 7.92." The measurement may change when used in fields other than surveying. Classified Property Tax
Property tax which varies in rate depending on the use (zoning classification) of the property. Clear Title Title to property which is free from liens, defects or other encumbrances. Closing (1) In real estate sales, the final procedure in which documents are executed and/or recorded, and the sale (or loan) is completed. (2) A selling term meaning the point at which the client or customer is asked to agree to the sale or purchase and sign the contract. (3) The final call in a metes and bounds legal description which "closes" the boundaries of the property. Closing Costs Expenses, beyond the selling price, such as loan fees, title fees, etc. Paid when documents are executed and/or recorded and the sale is complete. Closing Statement A summary, in the form of a balance sheet, showing the amounts of debits and credits to which each party to a real estate transaction is entitled upon closing. Cloud On Title An invalid encumbrance on real property, which, if valid, would affect the rights of the owner. For example: A sells lot 1, tract 1. to B. The deed is mistakenly drawn to read lot 2 by the recording of the erroneous deed. The cloud may be removed by quitclaim deed, or, it necessary, by court action. Coinsurance A sharing of the risk of an insurance policy by more than one insurer. Usually one insurer is liable up to a certain amount, the other liable over that amount. Commercial Property Property which is zoned "commercial" (for business use). Property such as stores, restaurants, etc., falling between residential and industrial. Commingling To mix funds held in trust with other funds. For example: A broker or builder mixes deposits (should be in a trust account) with his funds by putting the deposits in his general account. Although commingling is in itself a violation for which a broker may lose his license, it does not mean that, by commingling, the broker or builder intended to misappropriate the funds. Commission Compensation due a real estate broker for acting on behalf of the principal. Community Property Property acquired during a marriage by either a husband or wife, or both, which is not separate property. Comparables (Comps) An abbreviation for comparable properties used for comparative purposes in the appraisal process.
Conditional Sales Contract A sale in which the title to property or goods remains with the seller until the purchaser has fulfilled the terms of the contract, usually payment in full. Condominium A structure of two or more units, the interior space of which are individually owned: the balance of the property (both land and building) is owned in common by the owners of the individual units. The size of each unit is measured from the interior surfaces (exclusive of paint or other finishes) of the exterior walls, floors, and ceiling. The balance of the property is called the common area. Consideration A required element in all contracts by which some-thing of value, including a promise, is exchanged for the act or promise of another. Contingency Action conditioned upon a certain event. Acceptance of the terms of a contract based on something else happening or certain conditions being met. Conveyance The transfer of title or an interest in real property by means of a written instrument such as a deed of trust. BACK TO TOP D Declaration Of Trust A written acknowledgement by one holding legal title to property that the property is held in trust for the benefit of another. Declining Balance Method Of Depreciation Depreciation by a fixed annual percentage of the balance after deducting each yearly depreciation amount. Deed Actually, any one of many conveyancing or financing instruments, but generally a conveyancing instrument, given to pass fee title to property upon sale. Deed Of Trust An instrument used in many states in place of a mortgage. Property is transferred to a trustee by the borrower (trustor) in favor of the lender (beneficiary), and reconveyed upon payment in full. Defeasible Title Title which is not absolute but possibly may be annulled or voided at a later date. For example: Title conveyed to A with condition that if A marries before age 30, title will go to B. A's title may be good (doesn't marry) or may be defeated (marries before 30). Deficiency Judgment
Commonly the amount for which the borrower is personally liable on a note and mortgage if the foreclosure sale does not bring enough to cover the debt. Actually the judgment is for the total amount and not for the deficiency, the recovery from the foreclosure sale being deducted from this amount. Delivery In conveyancing, the placing of the property in the actual or constructive possession of the grantee. Usually accomplished by delivery of a deed to the buyer, or by recording said deed. Demand The lender's statement of the amount due to pay of a loan. Demand Note A note having no date for repayment, but due on demand of the lender. Deposit (1) Money given by the buyer with an offer to purchase. Shows good faith. Also called earnest money. (2) A natural accumulation of resources (oil, gold, etc.) which may be commercially recovered and marketed. Depreciation (1) Decrease in value to real property improve-ments caused by deterioration or obsolescence. (2) A loss in value as an accounting procedure to use as a deduction for income tax purposes. Direct Reduction Mortgage An amortized mortgage. One on which principal and interest payments are paid at the same time (usually monthly) with interest being computed on the remaining balance. Discount Points The fee associated with the note rate for your loan, the more discount points you pay the lower the rate you can buy, the fewer you pay, the higher your rate. If the rate is high enough, the loan is priced above par and these premium points are available to pay closing costs creating a no or low fee loan. Disposition of Real Estate Statement A statement that the buyer will occupy the property being purchased even though the buyer owns other property. The buyer states that the other property will be sold or rented. Particulars must be given as to any loan on the property and the equity or rent to payment amounts. Documentary Transfer Tax The tax, based on sales price, less loans which are being assumed, which is charged by the city and/or county on the transfer of real property. Double Declining Balance Method Of Depreciation A use of the declining balance method, but with double the depreciation allowable by straight line. An accelerated method. Double Escrow Two concurrent escrows on the same property, having the same party as buyer and seller of the property. Example: Escrow 1 -A buys from B. Escrow 2 -A sells the same property to C. A is using C's money to buy B's property. The process is illegal in many states unless full disclosure is made.
Dual Agency The representation of opposing principals (buyer and seller) at the same time. In brokerage many states get around this by saying that the agent aids the buyer but is the agent of the seller only. A problem arises if both buyer and seller pay the broker, Then full disclosure must be made. An escrow agent is the agent of buyer and seller and usually paid by both. This is why an escrow agent must be neutral. Due on-Sale-Clause A clause in a mortgage loan which gives the lender the right to demand payment in full when the property changes ownership. Not applicable to FHA or VA loans. BACK TO TOP E Easement A right created by grant, reservation, agreement, prescription, or necessary implication, which one has in the land of another. It is either for the benefit of land (appurtenant), such as right to cross A to get to B. or "in gross," such as a public utility easement. Easement of Necessity An easement granted by a court when itis determined that said easement is absolutely necessary for the use and enjoyment of the land. Commonly given to landlocked parcels. Egress A term concerning a right to come and go across the land (public or private) of another. Usually part of the term ingress and egress. Eleemosynary Corporation A corporation created for charitable purposes. There are tax advantages accorded to such corporations. The corporation may operate the same as a profit making corporation. Commonly called a nonprofit corporation. Encumbrance, Incumbrance A claim, lien, charge, or liability attached to and binding real property. Any right to, or interest in, land which may exist in one other than the owner, but which will not prevent the transfer of fee title. Equitable Conversion A legal fiction applied to a land contract which treats the vendee's (buyer's) interest as a real property interest even though the seller holds legal title, and the seller's interest as a security interest (personal property). This enables the buyer to act as the "owner" of the property without having "legal" title. Equitable Mortgage (1) A lien against real property (mortgage)which is enforceable in a court of equity, but does not legally constitute a mortgage. (2) A deed given as security for a debt will be held to be a mortgage rather than a transfer of title. Also called a constructive mortgage. Equity The value of a person's interest in real property after all liens and charges have been deducted.
Equity Line Of Credit A combination of a line of credit and equity loan. A maximum loan amount is established based on credit and equity. A mortgage (deed of trust) is recorded against the potential borrower's property for said maximum loan amount. The potential borrower has the right to borrow, as needed, up to the amount of the mortgage. Escalation Clause A clause in a lease providing for an increased rental at a future time. May be accomplished by several types of clauses, such as (1) Fixed increase - A clause which calls for a definite, periodic rental increase. (2) Cost of living - A clause which ties the rent to a government cost of living index, with periodic adjustments as the index changes. (3) Direct expense - The rent is adjusted according to changes in the expenses of the property paid by the lessor, such as tax increases. increased maintenance costs, etc. Escrow Delivery of a deed by a grantor to a third party for delivery to the grantee upon the happening of a contingent event, Modernly, in some states, all instruments necessary to the sale (including funds) are delivered to a third (neutral) party, with instructions as to their use. Excess Condemnation Taking by right of eminent domain, more property than actually necessary for the intended purpose. This happens frequently, the excess property being sold at auction after completion of the project. Exception A provision in a title insurance binder or policy excludes liability for a specified title defect or an outstanding encumbrance. Exclusive Listing A written contract between a property ownerand a real estate broker, whereby the owner promises to pay a fee or commission to the broker it certain real property of the owner is sold during a stated period, regardless of whether the broker is or is not the cause of the sale. The broker promises to put forth his or her best efforts to sell the property, and may make specific promises as to advertising or other promotion in certain instances. Exemplary Damages Damages to punish (make an example of) the offender. This is done when the wrong is deliberate or grossly negligent and compensatory damages do not appear to be sufficient. Expert Testimony Testimony by one acknowledged to have special training and knowledge in a particular subject. Only testimony on the subject in which the witness is "expert" is considered expert testimony. Exposure (1) The degree to which a property for sale, lease, etc., is made noticeable (exposed) to potential buyers, tenants, etc., through advertising, multiple listing groups, etc. (2) The direction in which a property faces. For example: Does a store depending on walk-in trade face the sun in the morning when people walk in the sun to get warm (eastern exposure), or face the sun in the afternoon when people walk in the shade to keep cool (western exposure). BACK TO TOP
F Fair Market Value An appraisal term for the price which a property would bring in a competitive market given a willing seller and willing buyer, each of whom has a reasonable knowledge of all pertinent facts, with neither being under any compulsion to buy or sell. Fee Simple An estate under which the owner owns a contract interest in the property and is entitled to the unrestricted enjoyment of the property, including the right to dispose property. Federal Deposit Insurance Corporation (f.d.i.c) The federal corporation which insures against loss of deposits in banks, up to a maximum amount. Federal Home Loan Banks Banks created under the Federal Home Loan Bank Act of 1932, in order to keep a permanent supply of money available for home financing. The banks are controlled by the Federal Home Loan Bank Board. Savings and loans, insurance companies, and other similar companies making long term mortgage loans may become members of the Federal Home Loan Bank System, and thus may borrow from one of the regional banks throughout the country. Federal National Mortgage Association (Fannie Mae): A tax paying corporation created by Congress to support the secondary mortgage market. It purchases and sells residential mortgages insured by FHA or guaranteed by VA as conventional home mortgages. Fee (1) Modernly, and not in strict legal terms, synonymous with fee simple or "ownership." (2) A charge made by a landlord to a tenant, which is not refundable. For example: A cleaning deposit would be refunded if the tenant left the rented property reasonably clean. A cleaning fee would be a charge by the landlord for cleaning the rented property and would not be refunded regardless of the condition of the property. FHA (Federal Housing Admininistration) A federal agency which insures first mortgages, enabling lenders to loan a very high percentage of the sale price. FHLMC (Freddie Mac) Federal Home Loan Mortgage Corporation - A federal agency purchasing first mortgages, both conventional and federally insured, from members of the Federal Reserve System, and the Federal Home Loan Bank System. Finance Charge A total of all costs imposed directly or indirectly by the creditor and payable either directly or indirectly by the customer, as defined by the federal Truth-In-Lending laws. Financial Statement An accounting statement showing assets and liabilities of a person or company. Used generally for large loans or other instances when the credit report (history of payment of debts) in itself is not sufficient.
Finder's Fee A fee paid to someone who finds a buyer or property for a broker, buyer, etc. The term is sometimes used to attempt to pay a commission to an unlicensed person. Generally, a finder's fee is considered a commission and may only be paid to one who holds a real estate license. First Mortgage A mortgage on property that is superior in position to any other mortgage. First Refusal Right A right, usually given by an owner to a lessee, which gives the lessee a first chance to buy the property if the owner decides to sell. The owner must have a legitimate offer which the lessee can match or refuse. It the lessee refuses, the property can then be sold to the offeror. First User A tax term signifying the one who builds or buys property and is the first one to put the buildings to use. Certain tax (depreciation) advantages are given to a first user. The term concerns only depreciable property (improvements) and prior use of the land only (farming) would not be considered. Fixed Rate Loan A loan on which the same rate of interest is charged for the life of the loan. Fixture Personal property which is permanently attached to the property, and, as such, becomes part of the real property. FNMA Buydown FNMA (Federal National Mortgage Association) accepts loans containing a buy down provision on single family residential, owner occupied properties. A prepayment (points) will buy a lower rate of interest during the first one to five years of the loan. Restrictions apply as to the amount of the buydown and rise in payment amount as the loan progresses. Forfiture The taking of an individual's properly by a government, because the individual has committed a crime. In the United States, private property cannot be taken, except by eminent domain upon payment of just compensation, or for nonpayment of taxes. Franchise (1) A statutory right which could not be exercised in the absence of the statute, such as the statutes enabling persons to form a corporation. Since a corporation is created by the statute, it could not be formed except by the grant of the legislature. (2) A combination of individual ownership and central control. One may own a fast food restaurant, hotel, hardware store, etc., yet use the name of a national company. Each individual owner pays for the name use, advertising, and may be required to make certain purchases (napkins, buns, etc.) from the national company. The real estate brokerage business was slow to use the franchise method, but now has many companies operating in this manner. Front Foot Cost
A determination of the value of real property based on a value per foot as measured along the frontage of a parcel. Usually used with commercial property or waterfront. Full Disclosure In real estate, revealing all the known facts which may affect the decision of a buyer or tenant. A broker must disclose known defects in the property for sale or lease. A builder must give to a potential buyer the facts of his new development (are there adequate school facilities?" sewer facilities? (an airport nearby?, etc.). A broker cannot charge a commission to buyer and seller unless both know (disclosure) and agree. Future Acquired Property Property acquired after a loan or sale. For example: A loan agreement may state that the loan is a lien on all property presently owned or which the borrower may acquire in the future. Future Interest A present interest, but only a future right to possession and enjoyment of the land, such as a remainder interest, reversionary interest, etc. BACK TO TOP G Garnishment A legal proceeding under which a person's money in control of another (such as salary) is taken for payment of a debt. The amount which may be taken is set by statute (usually as a percentage), and, in most states, a judgment is necessary before garnishment. General Lien (1) A lien such as a tax lien or judgment lien which attaches to all property of the debtor rather than the lien of, for example, a trust deed, which attaches only to specific property. (2) The right of a creditor to hold personal property of a debtor for payment of a debt not associated with the property being held. Must be done under an agreement since against general precepts of law. General Membership A partnership made up of general partners, without special (limited) partners. Georgian Architecture A colonial style of architecture dating back to the eighteenth century. Characterized by first floor windows extending to the ground, its exterior placements (windows, doors. etc.) are simple and well balanced yet formal in appearance. Gerrymander To divide an area into districts, against the obvious natural divisions, in order to accomplish an unlawful purpose. For example: To divide a school district to keep out certain people for reasons of race or religion, to divide a political voting district so as to give power to a political party. Gnma (government National Mortgage Association) Options A method of purchasing GNMA securities through "puts" and calls." A GNMA Call Option is the right to buy GNMA securities at a specific yield for a specified time, A Put Option is the right to sell GNMA securities at a specific yield for a specified time. The buyer pays for the option and may exercise it, not exercise it, or sell it.
Graduated Payment Mortgage A mortgage or deed or trust calling for increasingly higher payments over the term of the loan. This allows the buyer low beginning payments. The payments then increase as (theoretically) the buyer's earnings increase. Grantee One to whom a grant is made. The purchaser of real property. Grantor One who has made a grant. The seller of real property. Grantor Grantee Index The record of the passing of title to all the properties in a county as kept by the county recorder's office. Property is checked by tracing the names of the sellers and buyers (chain of title). Title companies usually have more efficient methods by keeping records according to property description, rather than peoples names. Gross Income The scheduled (total) income, either actual or estimated, derived from a business or property. Gross Income Multiplier A figure which, when multiplied by the annual gross income, will theoretically determine the market value. A general rule of thumb which varies with specific properties and areas. Gross Lease A lease which obligates the lessor to pay all or part of the expenses of the leased property, such as taxes, insurance, maintenance. utilities, etc. Grout (1) Thin mortar used in masonry work to fill joints between bricks, blocks, tiles. etc. (2) A variety of plaster used to finish ceilings of superior quality. Growing Equity Mortgage (g.e.m.) A fixed rate, graduated payment loan allowing low beginning payments and a shorter term because of higher payments as the loan progress. Based on the theory of increasing income by the buyer and, therefore. ability to make higher future payments. When state law applies, usury laws in some states may not presently allow such loans when less than interest only payments create interest on interest. Guaranty Agreement to pay the debt or perform the obligation of another in the event the debt is not paid or obligation not performed. Differs from a surety agreement in that there must be a failure to pay or perform before the guaranty can be in effect. BACK TO TOP H Hard Money Mortgage
A mortgage given in return for cash, rather than to secure a portion of the purchase price, as with a purchase money mortgage. Heir One who by law, rather than by will, receives the estate of a deceased person. Hereditaments (1) Anything which could be considered real property. (2) Anything which may be inherited. Hidden Defect An encumbrance on a title that is not apparent in the public records; for example, unknown heirs, secret marriages and forged instruments. Holdback Portion of a loan held back by the lender until a contingency is met. In the sale of a home insured by V.A. or F.H.A., funds may be held back to make necessary improvements to bring the property to V.A. or F.H.A. standards. The money to make "these" repairs may not be available until closing. One and one halt to double the estimated amount necessary is held back. If repairs are not made in the time allowed. these funds are used to make the repairs. In construction financing, funds are held back until, for example, a certain percentage of a subdivision has been sold, or a certain portion of a building has been constructed. Holder In Due Course A holder of a check or note who takes, for value and in good faith, the note before it is overdue or the check without knowledge that it has bounced, if, in fact it has. Holding Period The time period used by the IRS to determine along or short term capital gain. The period during which the taxpayer owns the capital asset. Homestead The dwelling (house and contiguous land) of the head of a family. Some states grant statutory exemptions, protecting homestead property (usually to a set maximum amount) against the rights of creditors. Property tax exemptions (for all or part of the tax) are also available in some states. Statutory requirements to establish a homestead may include a formal declaration to be recorded. Home Warranty Insurance Private insurance insuring a buyer against defects (usually in plumbing, heating, and electrical) in the home he has purchased. The period of insurance varies and both new and used homes may be insured. Housing Starts Number of houses on which construction has begun. The figures are used to determine the availability of housing, need for real estate loans, need for labor and materials, etc. Hypothecate To mortgage or pledge without delivery of the security to the lender. BACK TO TOP I
Impound Account Account held by a lender for payment of taxes, insurance, or other periodic debts against real property. The mortgagor or trustor pays a portion of, for example, the yearly taxes, with each monthly payment. The lender pays the tax bill from the accumulated funds. Improvements Generally, buildings, but may include any permanent structure or other development. such as a street, utilities. etc. Inchoate Instrument An unrecorded instrument (such as a deed) which is valid only between the parties and those having actual notice: but not against "the world" as it would be after recording. Income Averaging A method of figuring income tax by paying tax on the average income per year for the past five years. For example: A, a real estate salesperson, earns $10,000 taxable income for 4 years. In the fifth year, A sells a shopping center and earns $100,000 taxable income. A-could take the total income for 5 years ($140,000), divide by 5 ($28,000), and pay tax on $28,000 for the past 5 years, less what A has already paid. Increasing And Diminishing Returns An economic theory that an increase in capital or manpower will not increase production proportionately (five workers may do less than five times the work of one worker; and two workers may do more than twice the work of one worker). When the increase in production is proportionately greater than the addition, there is an increasing return, when production is proportionately less than the addition. the return diminishes. Industrial Tax Exemption An exemption from local property taxes granted to encourage industries to come into an area. Has been used successfully in the South. Usually granted for a definite period. Inheritance Tax A tax on the transfer of property from a deceased person: based on the right to acquire the property rather than the property itself. Installment Contract A method of purchasing by installment (usually monthly) payments. When referring to real property, it is usually called a land contract. Institutional Lenders Banks, savings and loan associations and other businesses which make loans to the public in the ordinary course of business, rather than individuals, or companies which may make loans to employees. Insured Mortgage A mortgage insured against loss to the mortgagee in the event of default and a failure of the mortgaged property to satisfy the balance owing plus costs of foreclosure. May be insured by F.H.A., V.A., or by private mortgage insurance companies. Interest Cap
The maximum interest rate increase of an Adjustable Mortgage Loan. For example: a 120% loan with a 5% interest rate cap would have maximum interest for the life of the loan which would not exceed 17%. Interpleader A court action which may be filed in an existing case to be the initial action. One holding funds which are in dispute, but not having an interest in the funds, would file an inter- pleader. For example: An escrow agent is holding a deposit of a buyer which funds both buyer and seller claim to be entitled. Escrow is willing to give the funds to either buyer or seller but does not want to be liable for giving the funds to the wrong party. The interpleader filed by the escrow agent asks the court to determine to whom the funds should be awarded. Interstate Land Sales Sales of land to a buyer in another state. Because the buyer is usually totally dependent on the seller for information regarding the property, federal disclosure laws have been passed to aid the buyer. The buyer also has a period (now 3 days) after singing a purchase agreement, in which to rescind. The laws were passed because of the large promotional land sales of the 50's and early 60's, some of which sold worthless desert and swamp land. Involuntary Conversion Conversion of real property to personal property (money) without the voluntary act of the owner. This occurs when property is taken by eminent domain (condemnation). The owner is allowed to convert back to real property (buy another property) without paying tax on the gain from the condemnation. This must be done within a set time (3 years) and the prices of the old and new property are considered to form a new tax base. IRA (individual Retirement Account) Savings programs available to individuals. The plans allow for a certain amount to be deposited each year. This money is not subject to income tax for that year or following years as long as it is not withdrawn. The money is taxed as withdrawn upon retirement, usually when the depositor is in a lower tax bracket. During the life of the account, the money may be put into various interest bearing investments. Securities dealers as well as banking institutions now offer IRA'S. BACK TO TOP J Jetty (1) A pier or other structure (usually of stones), built out into a body of water to hinder the currents and so protect a harbor. (2) A part of a building which projects out beyond the exterior walls, such as an overhanging second story, a balcony, etc. Joint Appraisal An appraisal by more than one appraiser, but one which states common conclusions of all. Joint Tenancy An undivided interest in property, taken by two or more joint tenants. The interests must be equal, accruing under the same conveyance, and beginning at the same time. Upon the death of a joint tenant, the interest passes to the surviving joint tenants, rather than to the heirs of the deceased. Judgment (judgement)
The decision of a court of law. Money judgments, when recorded, become a lien on real property of the defendant. Judgment Lien A lien against the property of a judgment debtor. An involuntary lien. Judgment Proof One against whom a judgment creditor cannot collect (no assets). If one can show he was defrauded by a "judgment proof" real estate licensee, he may recover from the state fund in states having such a fund, Jumbo Va Loan A loan for an amount greater than the allowable100% financed amount. It is determined by subtracting the maximum allowable 100% financed amount from the purchase price and financing 75% of the difference. Example: maximum allowable VA Loan-$110,000. Sale price-$130.000. Difference $20,000: 75% of the difference is $15,000. Total jumbo loan-$110,000 plus $15.000 = $125,000. Required down payment-$5,000. Just Compensation In condemnation the amount paid to the property owner. The theory is that in order to be "just," the property owner should be no richer or poorer than before the taking. K Keene's Cement An unusually tough and durable gypsum plaster to which alum has been added. Used primarily for walls of commercial buildings. Keogh Plan A retirement plan whereby a self-employed person may set aside a certain portion of income (tax deferred) into a retirement account. The money is taxable upon withdrawal at retirement when the person's tax bracket is often lower. Keyman Insurance Insurance through loss (through death or disability) of a "key" (important) person in a company. The liability is the estimated cost of the loss (in business lost, and replacement of the individual). Some lenders require this insurance before lending to small companies which rely on one or a few "key" people. Knock Down Any parts of a building which can be easily assembled, installed, or removed, such as certain types of window frames, partitions, etc. Knot (1)The hard, irregular shaped defects in boards, caused by cutting at the point where the branch of the tree meets the trunk. (2) A measure of speed, equal to one nautical mile (approximately 6,076 ft.) per hour. BACK TO TOP L
Laches An unreasonable delay by a party making a claim or bringing an action, so that the rights of said party are waived. Laches are not controlled by a statute of limitations. Landowner's Royalty In oil and gas leases, the portion of the value of each barrel of oil which goes to the property owner. Land Residual Technique An appraisal technique by which land value is determined by first determining the net return attributable to the building only, and deducting it from the total return to the property (may be estimated), the residual amount is capitalized to find the land value. The building value may be determined by construction costs (new building), depreciated construction costs (it only a few years old), or estimated present construction costs (if an older building). Late Charge A penalty for failure to pay an installment payment on time. Usually not allowed as interest for tax deductions. May or may not be included as usury. If not, the amount of late charge is either set by statute or must be "reasonable." Lateral Support The right of a landowner to the natural support of his land by adjoining land. The adjoining owner has the duty not to change his land (such as lowering it) so as to cause this support to be weakened or removed. Lease With Option To Purchase A lease under which the lessee has the right to purchase the property. The price and terms of the purchase must be set forth for the option to be valid. The option may run for the length of the lease or only for a portion of the lease period. Legal Description: A description by which property can be definitely located by reference to surveys or recorded maps. Sometimes referred to simply as the legal. Legal Owner The term has come to be used as a technical difference from the equitable owner, and not as opposed to an illegal owner. The legal owner has title to the property, although the title may actually carry no rights to the property other than a lien. Lessee's Interest In appraising the value of a lessees interest to determine the value of a potential sublease of assignment (sale) of the lease, the value is the market value of the property, less the interest of the lessor. The lessor's interest would be largely determined by the ratio of the return on the lease to the market value without the lease. Lien: A recorded document which claims an interest in real property as security for a debt owed. Such liability may be created by contract, such as a deed of trust, or by a court judgment. Lien Waiver (waiver Of Liens) For our purposes, a waiver of mechanic's lien rights, signed by subcontractors so that the owner or general contractor can receive a draw on a construction loan. Liquidated Damages
A definite amount of damages, set forth in a contract, to be paid by the party breaching the contract. A predetermined estimate of actual damages from a breach. Lis Pendens Legal notice that a lawsuit is pending. Also called a notice of action. Loan Constant The yearly percentage of interest which remains the same over the life of an amortized loan, based on the monthly payment in relation to the principal originally loaned. For example: A $1000 loan at 9% interest for 20 years can be amortized at $9.00 per month. The constant interest rate is figured by finding one year's payments ($9.00 x 12 months = $108,00), and expressing this amount as a percentage of the principal originally borrowed (10.8% of $1000). Loan Policy A title insurance policy insuring a mortgagee, or beneficiary under a deed of trust, against loss caused by invalid title in the borrower, or loss caused by invalid title in the borrower, or loss of priority of the mortgage or deed of trust. Loan Ratio The ratio, expressed as a percentage, of the amount of a loan to the value or selling price of real property. Usually, the higher the percentage, the greater the interest charged. Maximum percentages for banks, savings and loans, or government insured loans, is set by statute. Loan toValue Ratio The ratio of the mortgage loan's principal to the property's appraised value or its sales price, whichever is lower. Long Term Capital Gain Gain on the sale of a capital asset which has been held for a specified time or longer. Long term capital gain is taxed at a special rate and not as ordinary income. BACK TO TOP M Made Land Artificially formed land, either by filling or dredging. Marketable Title Title which can be readily marketed (sold) to a reasonably prudent purchaser aware of the facts and their legal meaning concerning liens and encumbrances. Market Value The highest price a willing buyer would pay and a willing seller accept, both being fully informed, and the property exposed for a reasonable period of time. The market value may be different from the price a property can actually be sold for at a given time (market price), Market Value Approach Appraising the value of a property by comparing the price of similar properties (comparables) recently sold. The degree of simiality of the properties and circumstances of the sale are the important characteristics to consider,
Maturity (1) Termination period of a note. For example: A 30 year mortgage has maturity of 30 years. (2) In sales law, the date a note becomes due. Mechanic's Lien A lien created by statute for the purpose ofsecuring priority of payment for the price or value of work performed and materials furnished in construction or repair of improvements to land, and which attaches to the land as well as the improvements. Merger Of Title A lesser interest in real property being merged (absorbed) into a greater interest. For example: A lessee purchases the property being leased. The interest as a lessee is merged into the interest as an owner, thus ending the leasehold interest. Metes and Bounds A form of land description in which boundaries are described by courses, directions, distances and monuments. Mile A linear measurement equal to 5280 feet on land and 6076 feet across water (nautical mile). Money Market Mutual Funds which invest in the "Money Market," a variety of interest bearing securities such as treasury bills and bank certificates of deposit. None is invested directly into real property or real property securities. Month To Month Tenancy A tenancy where no written lease is involved, rent being paid monthly. Some obligations as to notice of moving or eviction may exist by statute. Mortgage (1) To hypothecate as security, real property for the payment of a debt. The borrower (mortgagor) retains possession and use of the property. (2) The instrument by which real estate is hypothecated as security for the repayment of a loan. Mortgage Banker A company providing mortgage financing with its own funds rather than simply bringing together lender and borrower, as does a mortgage broker. Although the mortgage banker used its own funds, these funds are generally borrowed and the financing is either short term or, it long term, the mortgages are sold to investors (many times insurance companies) within a short time. Mortgage Bonds Bonds issued by corporations, which offer first mortgages on real property of the corporation as security for the payment of the bonds. Mortgage Broker
One who, for a fee, brings together a borrower and lender, and handles the necessary applications for the borrower to obtain a loan against real property by giving a mortgage or deed of trust as security. Also called a loan broker. Mortgage Company A company authorized to service real estate loans, charging a fee for this service. Mortgagee The party lending the money and receiving the mortgage. Some states treat the mortgagee as the "legal" owner, entitled to rents from the property. Other states treat the mortgagee as a secured creditor, the mortgagor being the owner. The latter is the more modern and accepted view. Mortgage Insurance Insurance written by a private mortgage insurance company (referred to as an 'PIC') protecting the mortgage lender against loss incurred by a mortgage default, thus enabling the lender to lend a higher percentage of the sale price. The Federal Government writes this form of insurance through the FHA and the VA. Mortgage Life Insurance A term life insurance policy for theamount of the declining balance of a loan secured by a mortgage or deed of trust. The beneficiary under the policy is the mortgagee. In the event of death (some policies also cover disability) of the insured (mortgagor), the mortgage is paid in full. Mortgage Servicing Controlling the necessary duties of a mortgagee, such as collecting payments, releasing the lien upon payment in full, foreclosing if in default, and making sure the taxes are paid, insurance is in force, etc. Servicing may be done by the lender or a company acting for the lender, for a servicing fee. Mutual Savings Bank An institution owned by its depositors, as evidenced by certificates of deposit rather than stock. These institutions are active in long term real estate financing, as opposed to commercial banks, which concentrates more on short term loans. BACK TO TOP N Negative Amortization A condition created when a loan payment is less than interest alone. Even though payments are made on time, the amount owing increases. Negotiable Instrument According to the Uniform Negotiable Instruments Act, an instrument is negotiable when it is in writing and signed, containing an unconditional promise or order to pay a certain amount of money, on demand, or at a definite future date, to the bearer, to order, or to a named or certain drawee. Net Lease A lease requiring the tenant to pay, in addition to a fixed rental, the expenses of the property leased, such as taxes, insurance, maintenance, etc. In some states the terms net net, net net net, triple net, and other such repetitions are used. Net Worth
The difference between total assets and liabilities of an individual, corporations, etc. No Bonus Clause A clause under the eminent domain section of a lease, giving the lessee the right to recover only the value of his physical improvements in the event of a taking, and not the value of the leasehold interest (the difference between the fixed rent of the lease and current market rental value). Not applicable in all states. Nonbearing Wall A wall used only to separate areas, and which carries only its own weight Nonexclusive Listing A listing under which the real estate broker has an exclusive listing as opposed to other agents, but the owner may sell the property without using an agent, and not be liable to pay a commission. Also called an agency agreement. Nonrecourse Loan A loan not allowing for a deficiency judgment. The lender's only recourse in the event of default is the security (property) and the borrower is not personally liable. Notarization The certification by a Notary Public that a person signing a document has been properly identified. Notarization does not certify the content of a document, only validity of signature. Notice Of Cessation A notice stating that work has stopped on a construction project. Done to accelerate the period for filing a mechanic's lien. Notorious Possession A requirement for adverse possession. Possession so open (notorious) that the owner is presumed to have notice of it and its extent. Nuncupative Will An oral will, usually in a deathbed situation, before witnesses who later testify to its authenticity. BACK TO TOP O Oath An attestation by a person which binds him or her legally and morally. Usually attesting to the truth of something, as an affidavit, or the validity of one's signature. A promise to tell the truth. Also, a promise to carry out a duty with high morality (oath of office), An oath has religious connotations and usually involves the word "swear," and may contain the phrase "so help me God," or require the one taking the oath to put his or her hand on a bible. An affirmation (see which) is still legally binding. Office
A zoning designation allowing businesses to carry on their paperwork rather than manufacturing of sale of inventory to the public on the site. Some businesses may be conducted entirely out of such space, when only paperwork is involved, such as insurance companies, law firms, accounting firms, etc. Offset Statement (1) A statement given to a buyer of rental property by a tenant, setting forth the amount of rent and terms of the rental agreement. (2) A statement by an owner or lien-holder to a buyer, setting forth the balance due on existing liens against the property being purchased. "Once in a Lifetime" Tax Exclusion A forgiveness of a portion of the tax due on the sale of a residence by a senior citizen. As the term denotes, the exclusion can be taken only once. "One, Two, Three" Financing A method of creative financing by which the buyer (1) assumes an existing loan, (2) secures a second loan from a third party lender, (3) takes a third loan from the seller. Open End Mortgage A mortgage permitting the mortgagor to borrow additional money under the same mortgage, with certain conditions, usually as to the assets of the mortgage. Origination Fee The fee that the lender charges to originate the loan, this fee is typically 1 point. Override A rental amount paid due to sales of the tenant. For example: A lease for a service station may contain a provision for a certain addition to the rent for every gallon of gasoline over a certain amount sold each month. The amount over is called the override, such as two cents per gallon for every gallon over fifty thousand sold each month. Ownership Rights to the use, enjoyment, and alienation of property, to the exclusion of others. Concerning real property, absolute rights are rare, being restricted by zoning laws, restrictions, liens, etc. Owner Will Carry Mortgage A term used to indicate that the seller is willing to take back a purchase money mortgage. BACK TO TOP P Partial Release A release of a portion of property covered by a mortgage. A subdivider will obtain a partial release as each lot is sold, upon payment of an agreed upon amount. In areas where the subdivider is not usually the builder, it may be necessary to sell groups of lots to obtain a partial release. In areas where deeds of trust are used instead of mortgages, a "partial reconveyance" is the document used. Participation Certificates
Mortgage securities, rather than mortgages. The advantage of the certificate is that it is readily marketable or pledgeable. Partition (1) Any division of real or personal property between co-owners, resulting in individual ownership of the interests of each. (2) A wall, sometimes moveable, and not load-bearing, used to divide a room or building. Patent Defect A defect plainly visible or as would be discovered by the exercise of ordinary care. A patent defect in a legal description is one which cannot be corrected on its face, and a new description must be used. Payment Cap A maximum amount for a payment under an Adjustable Mortgage Loan, regardless of the increase in the interest rate. If the payment is less than the interest alone, negative amortization is created. Payoff The payment in full of an existing loan or other lien. Payoff Escrow An escrow, specifically for the purpose of paying off an existing lien. Usually part of an existing escrow, and called a sub escrow. Perfecting Title Process involving the elimination of any adverse claims against a title. Personal Property Loan A loan which is secured by both real and personal property. The minimum ratio of personal to real property is set by law. The credit of the borrower is a major consideration in making the loan. PITI Refers to principal, interest, taxes and insurance, the four major components of a usual monthly mortgage payment. PITI Ratio The principal, interest, tax and insurance payment to income ratio. Used in mortgage lending decisions. Plaintiff The party bringing a civil action against a defendant. Planned (unit) Development (PUD) A subdivision of five or more individually owned lots with one or more other parcels owned in common or with reciprocal rights in one or more other parcels. The lots are generally small, being the exact size of the improvements, or slightly larger. Point
One percent. When referring to mortgages or deeds of trust, the term is used to describe the percentage of discount rather than interest (for which the word "percent" is used). The points are paid by the seller in F.H.A. and V.A. insured loans, and by either buyer or seller (or both) in conventional loans. Points A fee charged by the lender to fund a loan, in addition to and separate from other fees charged. One Point equals one percent of the amount of the loan. Discount points are charged or are received based on the note rate the borrower selects. Additionally a one point origination fee is typically charged by a lender to underwrite a residential loan. Possibility of Reverter The term shows no estate (interest) in property, but only the chance that an estate will exist at a future time. If a property were sold on the condition that it be used for a park, and, it not used for a park, would revert back to the seller, the seller would have a possibility of reverter. Power of Attorney An authority by which one person (principal) enables another (attorney in fact) to act for him. (1) General power - Authorizes sale, mortgaging, etc. of all property of the principal. Invalid in some jurisdictions. (2) Special power - Specifies property, buyers, price and terms. How specific it must be varies in each state. Prescriptive Easement The granting of an easement by a court, based on the presumption that a written easement was given (although none existed), after a period of open and continuous use of land. Principal The sum of money outstanding upon which interest is payable. Also refers to one who is served by an agent. Private Mortgage Insurance (PMI): Insurance written by a private mortgage insurance company protecting the mortgage lender against loss occasioned by a mortgage default and foreclosure. Private Mortgage Insurance Insurance against a loss by a lender in the event of default by a borrower (mortgagor). The insurance is similar to insurance by a governmental agency such as FHA, except that it is issued by a private insurance company. The premium is paid by the borrower and is included in the mortgage payment. Property Management The branch of the real estate business dealing with the management of property. The property may be a rented house or a large office or industrial complex. The duties may range from merely collecting rents to complete management of all maintenance and may also include being leasing agent or sales agent. Proration The method used in dividing charges into that portion which applies only to a party's ownership up to particular date. Q Quadrant (1) A quarter section of a circle. (2) One of the quarters created by two intersecting roads or streets. Qualification
The process of reviewing a prospective borrower's credit and payment capacity prior to approving a loan. Quantity Survey Method Also called "price take-off" method. A process of arriving at an estimate of new construction costs by a detailed estimate of quantities of necessary building materials plus labor costs. Quarter Section One quarter of a section. A quarter section (commonly called a quarter) contains 160 acres. Question Of Law Given the facts, what laws, it any, are applicable - decided by a judge, even in a jury trial. Quietus Final disposition of a claim or debt. Quitclaim Deed A deed operating as a release, intended to pass any title, interest, or claim which the grantor may have in the property, but not containing any warranty of a valid interest or title in the grantor. BACK TO TOP R Rate Index An index used to adjust the interest rate of an adjustable mortgage loan. For example: the change in U.S. Treasury securities (T-Bills) with a 1 year maturity. The weekly average yield on said securities, adjusted to a constant maturity of one year, which is the result of weekly sales, may be obtained weekly from the Federal Reserve Statistical Release H.15 (519). This change in interest rates is the "index" for the change in the specific Adjustable Mortgage Loan. Rate Of Return The annual percentage of return on investment on income property. Ratification Affirming a prior act which was not legally binding; the affirmation gives the act legal effect. Occurs when an unauthorized agent acts, and the principal later affirms the action, giving authority retroactively. Real Estate (1) Land and anything permanently affixed to the land. such as buildings, fences, and those things attached to the buildings, such as light fixtures, plumbing and heating fixtures, or other such items which would be personal property it not attached. The term is generally synonymous with real property, although in some states a fine distinction may be made. (2) May refer to rights in real property as well as the property itself. Real Estate Settlement Procedures Act (RESPA) A federal statute requiring disclosure of certain costs in the sale of residential, improved property which is to be financed by a federally insured lender. Rebate
A discount or reduction in price of a product or interest, not given in advance, but handed back because of prompt payment or other reason. Many states regulate gifts and educational aids given to real estate brokers by supporting companies such as title companies, calling these in effect, a price discount (rebate). Recapture Of Depreciation Taxing as ordinary income, upon the sale of property, the amount of depreciation taken above straight line depreciation. Reconveyance The conveyance to the landowner of the title, held by a trustee under a deed of trust, when the performance of the debt is satisfied. Recordation Involves filing for record in the office of the county recorder for the purpose of giving constructive notice of title, claim or interest in real property. Record Owner The owner of property as shown by an examination of the public record. Redemption The process of canceling a defeasable title to land, such as is created by a mortgage foreclosure or tax sale. Redemption Period A time period during which a mortgage, landcontract, deed of trust, etc., can be redeemed. Usually set by statute, and after judicial foreclosure. Refinance (1) The renewing of an existing loan with the same borrower and lender. (2) A loan on the same property by either the same lender or borrower. (3) The selling of loans by the original lender. Reinstatement (1) Payment of a note, mortgage, deed of trust, etc., to bring it from default to good standing. (2) Restoring the previously used entitlement of a veteran to enable the veteran to purchase property under a VA program. (Also called Restoration of Eligibility). Reinsurance The transferring of a portion of the liability to other insurers. Example: Insurer A insures for $200,000, A insures for $100,000 and reinsures the "second" $100,000 through B insurer, The "first" $100,000 is called "primary liability." Renegotiable Rate Mortgage A real property loan calling for an adjustment in the interest rate at a given time. Example: A loan with a 15 year amortization is adjusted to current interest rates after 2 years. The lender agrees to make the adjusted loan at the new rate as long as the old loan is not in default. The Federal Reserve Board allows the original loan to be treated either as a balloon payment loan or a variable rate loan. However, points must be figured into the A.P.R. based on the time or renegotiation (2 years rather than 15).
Reservation (1) A right created and retained by a grantor. The reservation may be temporary (such as a life estate) or permanent (such as an easement running with the land). (2) Public land reserved for a special purpose, such as an Indian reservation. Restraint of Alienation Restrictions placed against the transfer (vesting) or sale of property. Certain restrictions are allowed but must conform to the rule against perpetuities and free right of an owner to sell. For example: Selling on the condition that the grantee could resell only to members of a certain family would be too restrictive and not valid. Right Of Way A strip of land which is used as a roadbed, either for a street or railway. The land is set aside as an easement or in fee, either by agreement or condemnation. May also be used to describe the right itself to pass over the land of another. BACK TO TOP S Safety Clause A clause in a listing protecting the broker from having buyer and seller wait until the listing expires to make a deal, thereby avoiding the payment of commission. The clause states that if the property is sold during a specified period after the expiration of the listing (or any extension thereof) to a buyer provided during the listing period by the broker, the commission shall be paid. Savings And Loan Association Originally an association chartered to hold savings and make real estate loans. Federally insured and regulated. Active in long term financing rather than construction loans. Recent changes in federal controls have enabled these associations to offer checking accounts, consumer loans, and other services traditionally offered by banks. Secondary Financing A loan secured by a mortgage or trust deed, which lien is junior (secondary) to another mortgage or trust deed. Secondary Mortgage Market The buying and selling of first mortgages of trust deeds by banks, insurance companies, government agencies, and other mortgagees. This enables lenders to keep an adequate supply of money for new loans. The mortgages may be sold at full value (par) or above, but are usually sold at discount. The secondary mortgage market should not be confused with second mortgage. Second Mortgage A mortgage which ranks after a first mortgage in priority. Properties may have two, three, or more Mortgages, deeds of trust, or land contracts, as liens at the same time. Legal priority would determine whether they are called a first, second, third, etc. lien. Sequestration, Writ Of The taking custody of one's property (real or personal) to force compliance with a court order. Shared Appreciation
The gaining or retaining of equity in a property by someone other than the buyer. For example: the seller retains a 25% interest in the property. This makes the buyer responsible for only 75% of the purchase price and, therefore, lowers the necessary financing by 25%. This obviously makes the property more affordable. By agreement, expenses are shared as well as any increase in value when the property is sold. Statement of Information (SI): A confidential information statement completed by the buyer, seller and borrower in every transaction where a policy or policies of title insurance are requested. Allows the title company to competently search documents affecting the property to be insured, documents which may not refer to said property. Allows title companies to differentiate between parties with similar names when searching matters such as liens and court decrees. "Subject To" Clause A clause in a deed, stating that the grantee takes title "subject to" an existing mortgage. The original mortgagor is alone responsible for any deficiency, should there be foreclosure of the mortgage. Differs from an "assumption" clause, whereby the grantee "assumes" and agrees to pay the existing mortgage. Surface Rights The rights (easements) to use the surface of land, including the right to drill or mine through the surface when subsurface rights are involved. Sweat Equity A program which allows a purchaser to do work on the property in place of all or part of the down payment and other costs of purchase. Subordination Agreement An agreement under which a prior or superior lien is made inferior or subject to an otherwise junior lien. Survey The measurement of the boundaries of a parcel of land, its area, and sometimes its topography. Syndicate An association of individuals, formed for the purpose of carrying on some particular business venture in which the members are mutually interested. BACK TO TOP T Tacking (1) Annexing a lien to one superior to it in order to gain the priority of the superior lien and defeat an intermediate lien. Generally not allowed. (2) Annexing periods of possession to add up to enough time for successful adverse possession. For example; A begins adverse possession, A dies and A's son takes up possession, adding A's time to his own. Not always allowed. Take Out Commitment Agreement by a lender to place a long term (take out) loan on real property after completion of construction. Tax Base The assessed valuation of real property, which is multiplied by the tax rate to determine the amount of tax due.
Tax Deed (1) Deed from tax collector to governmental body after a period of non-payment of taxes according to statute. (2) Deed to a purchaser at a public sale of land taken for delinquent taxes. The purchaser receives only such title as the former owners had and strict procedures must be followed to prevent attachment of prior liens. Tax Lien A statutory lien imposed against real property for nonpayment of taxes. Tenancy In Common An undivided ownership in real estate by two or more persons. The interests need not be equal. and, in the event of the death of one of the owners, no right of survivorship in the other owners exists. Tenant At Will One who holds possession of premises by permission of the owner or landlord, but without agreement for a fixed term of possession. Terra Cotta Lumber Very porous earthenware which can hold a nail and be cut without breaking or shattering. Title Plant The information warehouse of a fide company in which it has accumulated and is constantly updating the records of properties in its area which it can use to search title to real property. Time Sharing A concept of ownership increasing in popularity as real estate prices rise. The purchase of an undivided interest (usually in a resort area condominium) for a fixed or variable time period. For example: Fifty-two different purchasers buy one condominium: each agrees to possession for one week per year. Costs (taxes, insurance, maintenance, etc.) are shared equally. Possession may be fixed, or by reservation, by lease, license, etc. Some developers provide several projects in different parts of the world, so that a person owning one week in a project in Hawaii could elect to spend that week in a connected project in France or other area. Ton (1) A measure of weight; two thousand pounds. (2) A measure of capacity of an air conditioner. One ton equally twelve thousand British thermal units (B.T.U.'s). Townhouse Originally a house in a city as opposed to a country estate. More recently the term is applied to certain types of row houses, whether planned unit developments or condominiums. Transfer Tax State tax on the transfer of real property. Based on purchase price or money changing hands. Check statutes for each state. Also called documentary transfer tax. Treasury Bills Interest bearing U.S. Government obligations sold at a weekly sale. The change in interest rates paid on these obligations is frequently used as the Rate Index of Adjustable Mortgage Loans.
Trustee A person who holds title in trust for the benefit of another. In a deed of trust, the trustee is the person named to hold title in trust for the benefit of the lender until the loan is paid off. Trustee In Bankruptcy One appointed by a bankruptcy court, and in whom the property of the bankrupt vests. The trustee holds the property in trust, not for the bankrupt, but for the creditors. Trustor The borrower under a deed of trust. One who deeds their property to a trustee as security for repayment of a loan. BACK TO TOP U Unavoidable Cause A cause which reasonable prudence and care could not have prevented, such as death, illness, papers lost in the mail, etc. Underlying Financing A mortgage, deed of trust, etc., prior to (underlying) a land contract, mortgage, etc , on the same property. Undisclosed Principal A principal whose identity is not revealed by an agent. Uniform Laws Laws approved by the National Conference of Commissioners on Uniform State Laws. Many have been adopted in one or more states. Among these are the Uniform Commercial Code, Uniform Negotiable Instruments Act, Uniform Partnership Act, Uniform Residential Landlord and Tenant Act, etc. Uniform Settlement Statement The Standard HUD Form 1 required to be given to the borrower, lender and seller at, or prior to, settlement. Unilateral Contract A contract under which one party expressly makes a promise, the other party, although making no reciprocal promise, may be obligated by law or may have already given consideration. Unity Of Possession In joint tenancy, the joint tenants must have equal rights to posesion. Unmarketable Title Title which contains defects that would allow a purchaser to be released from his obligation to purchase. Unrecorded Instrument
A deed, mortgage, etc., which is not recorded in the county recorder's office and, therefore, not protected under recording statutes. Valid between the parties involved, but not against innocent third parties. Useful Life (1) In appraisal for sale purposes, the true economic value of a building in terms of years of use to the owner. (2) For tax purposes, the life set for depreciation. At any time during that period, a new life could begin for a new owner. V Vacancy Factor The estimated percentage of vacancies in a rental project. May be based on past records of the property, or a professional guess if a new project. Surrounding area buildings, it similar, may be used for comparison. Variable Interest Rate An interest rate which fluctuates as the prevailing rate moves up or down. In mortgages there are usually maximums as to the frequency and amount of fluctuation. Also called "flexible interest rate." Veneered Construction The placing of a facing material over the external surface of a structure. Venue (1) The county (or other geographical division) in which an action or prosecution is brought for trial and which is to furnish the panel of jurors. (2) The county in which an acknowledgement (notorization) is made. Vesting Denotes the manner in which title is held. Examples of common vestings are: Community Property, Joint Tenancy and Tenancy in Common. Vital Statistics Data regarding births, deaths, marriages, health records, etc., and usually kept by a governmental bureau. Federally, the Bureau of Vital Statistics. Volt A term in electronics, being the force necessary to cause one ampere to flow through a conductor with a resistance of one ohm. Common household current is 110 volts, with a 220 volt circuit used for some heavy appliances. Industrial uses may require higher voltage. Voluntary Lein A lien placed against real property by the voluntary act of the owner. Most commonly, a mortgage or deed of trust BACK TO TOP W Waive
To knowingly abandon, relinquish, or surrender a right, benefit, or claim. Wall Bearing Construction Weight of roofs and floors supported entirely by the exterior walls, with no load-bearing partitions. Posts and pillars are used at points where the span is too wide for exterior wall support. Warranty A legal, binding, promise, given at the time of a sale, whereby the seller gives the buyer certain assurances as to the condition of the property being sold. Warranties as to real property have taken on a lessor role with the increase of the use of title insurance. Warranty Deed A deed used in many states to convey fee title to real property. Until the wide spread use of title insurance, the warranties by the grantor were very important to the grantee. When title insurance is purchased, the warranties become less important as a practical means of recovery by the grantee for defective title. Wasting Assets Assets which, by use or lapse of time, are consumed or reduced in book value, irrespective of market fluctuation. Includes oil, minerals, patent rights, franchises for a fixed term, etc. Also called "diminishing assets", "wasting property." Watt Hour The basis used to determine electric bills. Example: A 100 watt light bulb means if the bulb burns for one hour, it will use 100 watts of electricity. Weep Holes Small holes in a retaining wall or other wall where it may be necessary to drain off excess water to avoid pressure build-up. Wild Interest An interest of record which cannot be traced in the chain of title. Frequently occurs when an incorrect legal description appears on a document. An apparent wild interest may occur if a woman who changes her name through marriage after acquiring property, sells the property using her married name only. Without Recourse A finance term. A mortgage or deed of trust securing a note without recourse allows the lender to look only to the security (property) for repayment in the event of default, and not personally to the borrower. Working Drawing Drawing used by workman in construction.Shows all structural detail such as electric, plumbing, partitions, etc. Wrap-Around Mortgage A second or junior mortgage with a face value of both the amount it secures and the balance due under the first mortgage. The mortgagee under the wrap-around collects a payment based on its face value and then pays the first mortgagee. It is most effective when the first has a lower interest rate than the second, since the mortgagee under the wrap-around gains the difference between the interest rates, or the mortgagor under the wrap-around may obtain a lower rate then if refinancing.
Wrought Iron An easily molded form of iron used for decorative railings, gates, furniture, etc. The term is loosely used to describe steel or aluminum used in the same manner. BACK TO TOP Y Yacht Basin A system of docks and channels used for the keeping of yachts and similar boats. Yard (1) A measure of 36". (2) The area between the building and property line of a residential property (back yard, side yard, front yard). (3) An enclosure, in or out of a building, used for a business purpose (lumber yard, etc.) Yard Lumber Lumber generally found in a lumber yard, that is, lumber graded for general building purposes. Yield Ratio of income from an investment to the total cost of the investment over a given period of time. BACK TO TOP Z Zero Lot Line The consruction of a building on any of the boundary lines of a lot. Usually built on the front line such as a store built to the sidewalk. Zero Side Yard The building of a subdivision with each house built on a side boundary line. This gives more usable yard space on narrow lots. An easement for maintenance is given over a portion of the lot adjoining each house. Zone (1) An area of a county or city in which the use of the land is restricted by law (zoning ordinance). (2) An area designated by a number for the delivery of mail. Zip codes incorporate the zones.