04/02: Real Estate Term of the Day

Category: General
Posted by: uscybertek
Loan-to-Value Ratio: The relationship between the amount of the mortgage loan and the appraised value of the property expressed as a percentage.

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03/02: Real Estate Term of the Day

Category: General
Posted by: uscybertek
Interim Financing: A construction loan made during completion of a building or a project. A permanent loan usually replaces this loan after completion.

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02/02: Real Estate Term of the Day

Category: General
Posted by: uscybertek
Title Search: An examination of municipal records to determine the legal ownership of property. Usually is performed by a title company.

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01/02: Real Estate Term of the Day

Category: General
Posted by: uscybertek
Servicing: All the steps and operations a lender performs to keep a loan in good standing, such as collection of payments, payment of taxes, insurance, property inspections and the like.

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31/01: Real Estate Term of the Day

Category: General
Posted by: uscybertek
Escrow: An account held by the lender into which the home buyer pays money for tax or insurance payments. Also earnest deposits held pending loan closing.

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30/01: Real Estate Term of the Day

Category: General
Posted by: uscybertek
Two-Step Mortgage: A mortgage in which the borrower receives a below-market interest rate for a specified number of years (most often seven or 10), and then receives a new interest rate adjusted (within certain limits) to market conditions at that time. the lender sometimes has the option to call the loan due with 30 days notice at the end of seven or 10 years. also called "Super Seven" or "Premier" mortgage.

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29/01: Real Estate Term of the Day

Category: General
Posted by: uscybertek
Blanket Mortgage: A mortgage covering at least two pieces of real estate as security for the same mortgage.

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28/01: Real Estate Term of the Day

Category: General
Posted by: uscybertek
Blanket Mortgage: A mortgage covering at least two pieces of real estate as security for the same mortgage.

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27/01: Real Estate Term of the Day

Category: General
Posted by: uscybertek
Federal Home Loan Bank Board: (FHLBB) The former name for the regulatory and supervisory agency for federally chartered savings institutions. Agency is now called the Office of Thrift Supervision

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26/01: Real Estate Term of the Day

Category: General
Posted by: uscybertek
Simple Interest: Interest which is computed only on the principle balance.

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