04/02: Real Estate Term of the Day
Category: General
Posted by: uscybertek
Adjustable-Rate Mortgage (ARM): A mortgage where the interest rate is not fixed, but changes during the life of the loan in line with movements in an index rate. You may also see ARMs referred to as AMLs (adjustable mortgage loans) or VRMs (variable-rate mortgages).
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03/02: Real Estate Term of the Day
Category: General
Posted by: uscybertek
Impound: That portion of a borrower's monthly payments held by the lender or servicer to pay for taxes, hazard insurance, mortgage insurance, lease payments, and other items as they become due. Also known as reserves.
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02/02: Real Estate Term of the Day
Category: General
Posted by: uscybertek
Prepayment Penalty: Money charged for an early repayment of debt. Prepayment penalties are allowed in some form (but not necessarily imposed) in many states.
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Category: General
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Category: General
Posted by: uscybertek
Principal: The amount of debt, not counting interest, left on a loan.
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Category: General
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$19,500 Vanceboro - 0.52 acres
$19,500 Vanceboro - 0.52 acres
31/01: Real Estate Term of the Day
Category: General
Posted by: uscybertek
Certificate of Eligibility: The document given to qualified veterans which entitles them to VA guaranteed loans for homes, business, and mobile homes. certificates of eligibility may be obtained by sending DD-214 (Separation Paper) to the local VA office with VA form 1880 (request for Certificate of Eligibility)
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30/01: Real Estate Term of the Day
Category: General
Posted by: uscybertek
FHA mortgage insurance: Requires a fee (up to 2.25 percent of the loan amount) paid at closing to insure the loan with FHA. In addition, FHA mortgage insurance requires an annual fee of up to 0.5 percent of the current loan amount, paid in monthly installments. The lower the down payment, the more years the fee must be paid.
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29/01: Real Estate Term of the Day
Category: General
Posted by: uscybertek
Credit Report: A report documenting the credit history and current status of a borrower's credit standing.
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28/01: Real Estate Term of the Day
Category: General
Posted by: uscybertek
Housing Expenses-to-Income Ratio: The ratio, expressed as a percentage, which results when a borrower's housing expenses are divided by his/her gross monthly income. See debt-to-income ratio.
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