Real Estate

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  1. Price Level Adjusted Mortgage (PLAM)

    A price level adjusted mortgage (PLAM) is a graduated-payment mortgage where the lender revises the homebuyer's principal ...
  2. Home Affordable Modification Program (HAMP)

    The Home Affordable Modification Program (HAMP) was a federal loan modification program from 2009-2016 to help homeowners ...
  3. Combination Loan

    A combination loan is a transaction consisting of two separate mortgage loans by the same lender, for the same borrower.
  4. Monthly Treasury Average Index (MTA Index)

    The Monthly Treasury Average (MTA) is an interest index used to set the interest rate for some adjustable rate mortgages ...
  5. Seller Financing

    Seller financing refers to a real estate agreement where financing is provided by the seller is included in the purchase ...
  6. Qualification Ratio

    A qualification ratio notes the proportion of either debt to income or housing expense to income.
  7. Buy-Up

    A buy-up, also known as negative points, is a rebate paid by a lender to a borrower, or mortgage broker, for a home loan, ...
  8. Participation Mortgage

    A participation mortgage allows the lender to share in part of the income or resale proceeds of a property, becoming an equity ...
  9. Convertible ARM

    A convertible ARM is an adjustable rate mortgage with the option to convert to a fixed-rate mortgage after a specified period ...
  10. Deficiency Judgment

    A deficiency judgment is a court ruling against a debtor in default on a secured loan when the sale of property did not cover ...
  11. Flexible Payment ARM

    ​​​​​​​A flexible payment ARM was a type of adjustable-rate mortgage that allowed the borrower to select from four different ...
  12. Take-Out Commitment

    A take-out commitment guarantees a bank will issue a mortgage for a property after construction, allowing the developer to ...
  13. 2/28 Adjustable-Rate Mortgage (2/28 ARM)

    A 2/28 adjustable-rate mortgage (2/28 ARM) has an initial two-year fixed interest rate period, after which the rate floats ...
  14. Nonconforming Mortgage

    A nonconforming mortgage is one which cannot be sold by a bank to Fannie Mae or Freddie Mac commonly because it is too large ...
  15. Seller-Paid Points

    Seller-paid points are a form of discount offered on real estate.
  16. Consolidated Mortgage Bond

    A consolidated mortgage bond is one that consolidates the issues of multiple properties
  17. Mortgage Equity Withdrawal - MEW

    Mortgage equity withdrawal (MEW) reefers to the removal of equity from the value of a home through a loan against the market ...
  18. Low-Income Housing Tax Credit

    The Low-Income Housing Tax Credit provides an incentive for home developers to build, buy and refurbish housing for low-income ...
  19. Bi-weekly Mortgage

    A bi-weekly mortgage is a mortgage product which requires the borrower to make payments every two weeks rather than once ...
  20. 3/27 Adjustable-Rate Mortgage - 3/27 ARM

    A 3/27 adjustable-rate mortgage, or 3/27 ARM, is a 30-year mortgage frequently offered to subprime borrowers.
  21. Junk Fees

    Junk fees are unnecessary or excessive charges included in the process of closing on a real estate purchase.
  22. 80-10-10 Mortgage

    An 80-10-10 mortgage "piggybacks" a 10 percent home equity loan on top of a conventional 80 percent mortgage, leaving a 1 ...
  23. Lien

    A lien is the legal right of a creditor to sell the collateral property of a debtor who fails to meet the obligations of ...
  24. Skip-Payment Mortgage

    A skip-payment mortgage is a program which allows a borrower to miss a month's payment with minimal adverse affect on their ...
  25. Form 5405: First-Time Homebuyer Credit And Repayment Of The Credit

    Form 5405 First-Time Homebuyer Credit and Repayment of the Credit is the form used to claim the first-time homebuyer credit ...
  26. Deciding If You Should Pay Off Your Mortgage Early

    In addition to comparing the interest rate and expected rate of return from potential investments, there are other things ...
  27. Home Inspection

    Home inspection is an examination of the condition of a real estate property.
  28. Lifetime Cap

    The lifetime cap is the maximum interest rate that is allowed to be charged on an adjustable-rate mortgage (ARM).
  29. Pending Home Sales Index (PHSI)

    The Pending Home Sales Index (PHSI) is an index that tracks homes sales in which a contract is signed but the sale has not ...
  30. Taxable Estate

    Taxable estate is the portion of a deceased person's net assets subject to taxation after deductions.
  31. Mortgage Bankers Association - MBA

    The Mortgage Bankers Association is a national association that represents the real estate finance industry.
  32. Joint

    Joint is a legal term describing a transaction or agreement where two or more parties act in unison.
  33. Graduation Rate

    Graduation rate describes the percentage increase in the monthly payment on a graduated ayment mortgage.
  34. McMansion

    McMansions is a colloquial term that refers to a large, suburban home.
  35. Bare Walls Coverage

    Bare walls coverage is a type of insurance coverage that applies to communally used features in residential multi-family ...
  36. Replacement Property

    Replacement property is any property that is received as a replacement for property that was lost as a result of an involuntary ...
  37. Vendor Take-Back Mortgage

    A vendor take-back mortgage is a type of mortgage in which the buyer borrows funds from the seller to purchase the property. ...
  38. Subject Offer

    Subject offers are offers that are intended to be informational in nature.
  39. Fair Housing Act

    The Fair Housing Act forbids anyone from discrimination in the buying, selling, rental or financing of housing based on a ...
  40. Gazump

    A gazump is the practice of raising the price of a previously agreed-upon real estate transaction.
  41. Public Securities Association Standard Prepayment Model - PSA

    The Public Securities Association Standard Prepayment model (PSA) is a model designed to forecast prepayment risk in a mortgage-backed ...
  42. Voluntary Bankruptcy

    Voluntary bankruptcy is a type of bankruptcy where an insolvent debtor brings the petition to a court to declare bankruptcy ...
  43. Curb Appeal

    Curb appeal is a term used to describe the general attractiveness of a house or other piece of property from the sidewalk ...
  44. Reverse Exchange

    A reverse exchange is a type of property exchange wherein the replacement property is acquired first, and then the current ...
  45. REX Agreement

    A REX Agreement is an alternative to a home equity line of credit (HELOC) and refinancing that allows homeowners to access ...
  46. Bank-Owned Property

    A bank-owned property is a type of property is taken back by lenders during foreclosure.
  47. Quiet Title

    Quiet title is a lawsuit filed to establish ownership of real estate when ownership is in question.
  48. Conditional Sales Floater

    A conditional sales floater is a type of insurance that protects a seller of property that is purchased in installments or ...
  49. Home Affordable Refinance Program (HARP)

    The Home Affordable Refinance Program (HARP) is a mortgage refinancing program offered to borrowers who are currently underwater ...
  50. Voluntary Foreclosure

    A voluntary foreclosure is a foreclosure proceeding that is initiated by the borrower, rather than the lender, in an attempt ...
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