/Users/andrea/_magisterarbeit/korpus/clean/trainkorpus/29/file_7.html NN ----------------------------------------- : Service NP is VBZ my PP$ business NN . SENT . SENT Home NP AdviceWe NP can MD help VV you PP find VV the DT answers NNS . SENT Glossary NN A DT B NP C NP D NP E NP F NP G NP H NP I NP J NP K NP L NP M NP N NP O NP P NN Q NP R NP S NP T NN U NP V NN W NP X NP Y NP Z NP Other JJ Abstract JJ of IN judgment NN , , law NN The DT summary NN of IN a DT court NN judgment NN that WDT creates VVZ a DT lien NN against IN a DT property NN when WRB filed VVN with IN the DT county NN recorder NN . SENT Accelerated JJ cost NN recovery NN system NN A DT tax NN calculation NN that WDT provides VVZ greater JJR depreciation NN in IN the DT early JJ years NNS of IN ownership NN of IN real JJ estate NN or CC personal JJ property NN . SENT Acceleration NN clause NN A DT provision NN that WDT gives VVZ a DT lender NN the DT right NN to TO collect VV the DT balance NN of IN a DT loan NN if IN a DT borrower NN misses VVZ a DT payment NN . SENT Accelerated JJ depreciation NN A DT bookkeeping NN method NN that WDT depreciates VVZ property NN faster RBR in IN the DT early JJ years NNS of IN ownership NN . SENT Acceptance NP The DT seller's NNS written VVN approval NN of IN a DT buyer's JJ offer NN . SENT Access NN Any DT means NN by IN which WDT a DT person NN can MD enter VV property NN . SENT Accessibility NN The DT degree NN to TO which WDT a DT building NN or CC site NN allows VVZ access NN to TO people NNS with IN disabilities NNS . SENT Accretion NN The DT gradual JJ addition NN to TO the DT shore NN or CC bank NN of IN a DT waterway NN by IN deposits NNS of IN sand NN or CC silt NN . SENT Acknowledgment NN A DT written JJ declaration NN affirming VVG that IN a DT person NN acted VVD voluntarily RB . 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SENT Adjustable JJ rate NN mortgage NN ARM NN A DT loan NN with IN an DT interest NN rate NN that WDT is VBZ periodically RB adjusted VVN to TO reflect VV changes NNS in IN a DT specified JJ financial JJ index NN . SENT Adjusted JJ cost NN basis NN The DT cost NN of IN any DT improvements NNS the DT seller NN makes VVZ to TO the DT property NN . SENT Deducting VVG the DT cost NN from IN the DT original JJ sales NNS price NN provides VVZ the DT profit NN or CC loss NN of IN a DT home NN when WRB it PP is VBZ sold VVN . SENT Adjustment NN period NN The DT amount NN of IN time NN between IN interest NN rate NN adjustments NNS in IN an DT adjustable JJ rate NN mortgage NN . SENT Administrator NN A DT person NN given VVN authority NN to TO manage VV and CC distribute VV the DT estate NN of IN someone NN who WP died VVD without IN leaving VVG a DT will NN . SENT Administrator's NNS deed VV A DT legal JJ document NN that IN an DT administrator NN of IN an DT estate NN uses VVZ to TO transfer VV property NN . SENT Adverse JJ possession NN The DT acquisition NN of IN title NN to TO property NN through IN possession NN without IN the DT owner's JJ consent NN for IN a DT certain JJ period NN of IN time NN . SENT Adverse JJ use NN The DT access NN and CC use NN of IN property NN without IN the DT owner's JJ consent NN . SENT Aeolian JJ soil NN Soil NN that WDT is VBZ composed VVN of IN materials NNS deposited VVN by IN the DT wind NN . SENT Affiant NN A DT person NN who WP makes VVZ a DT sworn JJ statement NN . SENT Affirmation NN A DT substitution NN for IN an DT oath NN granted VVN to TO people NNS based VVN on IN religious JJ reasons NNS . SENT A DT frame NN design NN An DT interior JJ style NN that WDT features VVZ a DT steeply RB peaked JJ roofline NN and CC a DT ceiling NN that WDT is VBZ open JJ to TO the DT top JJ rafters NNS . SENT Agency NN The DT relationship NN of IN trust NN that WDT exists VVZ between IN sellers NNS and CC buyers NNS and CC their PP$ agents NNS . SENT The DT agency NN is VBZ formed VVN through IN a DT written JJ contract NN . SENT Agency NN closing VVG The DT process NN by IN which WDT a DT lender NN uses VVZ a DT title NN company NN or CC other JJ firm NN as IN an DT agent NN to TO complete VV a DT loan NN . SENT Agent NN A DT person NN licensed VVN by IN the DT state NN to TO conduct VV real JJ estate NN transactions NNS . SENT Agreed VVN boundary NN A DT compromise NN boundary NN to TO which WDT property NN owners NNS agree VVP in IN order NN to TO resolve VV a DT dispute NN . SENT Agreement NN of IN sale NN A DT document NN the DT buyer NN initiates NNS and CC the DT seller NN approves VVZ that IN details NNS the DT price NN and CC terms NNS of IN the DT transaction NN . SENT Alcove NN A DT recessed VVN section NN of IN a DT room NN , , such JJ as IN a DT breakfast NN nook NN . SENT Alienation NN clause NN A DT provision NN that WDT requires VVZ the DT borrower NN to TO pay VV the DT balance NN of IN the DT loan NN in IN a DT lump NN sum NN after IN the DT property NN is VBZ sold VVN or CC transferred VVN . SENT Alkali NN Mineral NP salt NN found VVD in IN soil NN . SENT Alkaline JJ soil NN Soil NN that WDT contains VVZ a DT higher JJR concentration NN of IN mineral NN salt NN than IN natural JJ acid NN . SENT Alley NP A DT lane NN behind IN a DT row NN of IN buildings NNS or CC between IN two CD rows NNS of IN buildings NNS . SENT Allowances NNS Budgets NNS offered VVN by IN builders NNS of IN new JJ homes NNS for IN the DT purchase NN of IN carpeting NN and CC fixtures NNS . SENT Alternative JJ mortgage NN Any DT home NN loan NN that WDT does VVZ not RB conform VV to TO a DT standard JJ fixed JJ rate NN mortgage NN . SENT Aluminum JJ clad JJ windows NNS Wooden NP windows NNS with IN aluminum NN covering VVG the DT exterior NN . SENT Aluminum NN siding NN A DT metal NN covering NN that WDT provides VVZ an DT alternative NN to TO paint VV for IN owners NNS of IN wood NN homes NNS . SENT Amenities NNS Parks NP , , swimming NN pools NNS , , health NN club NN facilities NNS , , party NN rooms NNS , , bike NN paths NNS , , community NN centers NNS and CC other JJ enticements NNS offered VVN by IN builders NNS of IN planned JJ developments NNS . SENT American NP Society NP of IN Home NP Inspectors VVZ The DT American NP Society NP of IN Home NP Inspectors NNS is VBZ a DT professional JJ association NN of IN independent JJ home NN inspectors NNS . SENT Phone NN . SENT 800 CD 743 CD 2744 CD . SENT Americans NPS with IN Disabilities NP Act NP A DT law NN passed VVN in IN 1990 CD that WDT outlaws VVZ discrimination NN against IN a DT person NN with IN a DT disability NN in IN housing NN , , public JJ accommodations NNS , , employment NN , , government NN services NNS , , transportation NN and CC telecommunications NNS . SENT Amortization NN The DT process NN of IN paying VVG the DT principal NN and CC interest NN on IN a DT loan NN through IN regularly RB scheduled VVN installments NNS . SENT Amortization NN tables NNS Mathematical JJ tables NNS that IN lenders NNS use VVP to TO calculate VV a DT borrower's JJ monthly JJ payment NN . SENT Amperage NN The DT strength NN of IN an DT electrical JJ current NN . SENT Anchor NP bolt NN A DT large JJ steel NN bolt NN anchored VVN in IN concrete JJ and CC attached VVN to TO a DT building NN to TO prevent VV the DT structure NN from IN moving VVG . SENT Annual JJ Any DT kind NN of IN plant NN that WDT must MD be VB planted VVN every DT year NN . SENT Annual JJ mortgagor NN statement NN A DT yearly JJ statement NN to TO borrowers NNS that IN details NNS the DT remaining JJ principal NN and CC amounts NNS paid VVN for IN taxes NNS and CC interest NN . SENT Annual JJ Percentage NN Rate NP APR NP The DT cost NN of IN the DT loan NN expressed VVD as IN a DT yearly JJ rate NN on IN the DT balance NN of IN the DT loan NN . SENT Annuity NN The DT payment NN of IN a DT fixed JJ sum NN to TO an DT investor NN at IN regular JJ intervals NNS . SENT Anticipatory JJ breach NN A DT communication NN that WDT informs VVZ a DT party NN that IN the DT obligations NNS of IN the DT original JJ contract NN will MD not RB be VB fulfilled VVN . SENT Application NN A DT document NN that IN details NNS a DT potential JJ borrower's NN income NN , , debt NN and CC other JJ obligations NNS to TO determine VV credit NN worthiness NN . SENT Application NN fee NN The DT fee NN that IN a DT lender NN charges VVZ to TO process VV a DT loan NN application NN . SENT Appraisal NN An DT opinion NN of IN the DT value NN of IN a DT property NN at IN a DT given VVN point NN in IN time NN . SENT Appraisal NN fee NN The DT fee NN that IN an DT appraiser NN charges VVZ to TO estimate VV the DT market NN value NN of IN the DT property NN . SENT Appraisal NN report NN A DT detailed JJ written JJ report NN on IN the DT value NN of IN a DT property NN based VVN on IN recent JJ sales NNS of IN comparable JJ sites NNS in IN the DT area NN . SENT Appraised VVN value NN An DT opinion NN of IN the DT current JJ market NN value NN of IN a DT property NN . SENT Appreciation NN An DT increase NN in IN the DT value NN of IN a DT home NN or CC other JJ property NN . SENT . SENT Arbitration NN A DT method NN of IN resolving VVG a DT dispute NN in IN which WDT a DT third JJ party NN renders VVZ a DT decision NN . SENT Arbor NP An DT area NN shaded VVN by IN trees NNS , , shrubs NNS or CC vines NNS on IN a DT latticework NN structure NN . SENT Arch NP A NP curved VVD structure NN that WDT supports VVZ weight NN over IN an DT area NN , , such JJ as IN a DT doorway NN . SENT Architect NN A DT licensed JJ professional NN who WP designs VVZ homes NNS , , buildings NNS and CC other JJ structures NNS . SENT Architectural JJ fees NNS The DT fee NN an DT architect NN charges NNS for IN services NNS . SENT In IN general JJ , , architects NNS charge VVP for IN their PP$ services NNS by IN the DT hour NN , , by IN the DT square JJ foot NN , , or CC by IN a DT percentage NN of IN the DT project NN budget NN . SENT Arpent NN A DT French JJ measurement NN of IN land NN equal JJ to TO . SENT 84625 CD acres NNS . SENT Asbestos NN A DT fire NN resistant JJ mineral NN used VVN for IN insulation NN and CC home NN products NNS that WDT has VHZ been VBN found VVN to TO pose VV a DT health NN hazard NN . SENT As RB is VBZ condition NN The DT purchase NN or CC sale NN of IN a DT property NN in IN its PP$ existing JJ condition NN . SENT Asking VVG price NN A DT seller's JJ initial JJ price NN for IN a DT property NN . SENT Assessed VVN value NN A DT tax NN assessor's NN determination NN of IN the DT value NN of IN a DT home NN in IN order NN to TO calculate VV a DT tax NN base NN . SENT Assessment NN The DT estimated JJ value NN of IN a DT piece NN of IN real JJ estate NN or CC a DT levy NN placed VVN on IN property NN in IN addition NN to TO taxes NNS . SENT Assessment NN rolls VVZ A DT list NN of IN taxable JJ property NN compiled VVN by IN the DT assessor NN . SENT Assets NNS Items NNS of IN value NN which WDT include VVP cash NN , , real JJ estate NN , , securities NNS and CC investments NNS . SENT Assignor NN A DT person NN who WP transfers VVZ rights NNS and CC interests NNS of IN a DT property NN . SENT Assumable JJ mortgage NN A DT mortgage NN that WDT can MD be VB transferred VVN to TO another DT borrower NN . SENT Assumption NN clause NN A DT provision NN that WDT allows VVZ a DT buyer NN to TO take VV responsibility NN for IN the DT mortgage NN from IN a DT seller NN . SENT Assumption NN fee NN A DT fee NN the DT lender NN charges VVZ to TO process VV new JJ records NNS for IN a DT buyer NN who WP assumes VVZ an DT existing JJ loan NN . SENT Average JJ price NN The DT price NN of IN a DT home NN determined VVN by IN totaling VVG the DT sales NNS prices NNS of IN all DT houses NNS sold VVN in IN an DT area NN and CC dividing VVG that DT number NN by IN the DT number NN of IN homes NNS . SENT Avigation NN easement NN An DT easement NN over IN private JJ property NN near IN an DT airport NN that WDT limits VVZ the DT height NN of IN structures NNS and CC trees NNS . SENT Awning NN windows NNS Single NP sash NN windows NNS that WDT tilt VV outward RB and CC up RB . SENT Back RB fill VV Soil NN used VVN to TO solidify VV the DT foundation NN of IN a DT structure NN . SENT Back RB title NN letter NN A DT letter NN that IN a DT title NN insurance NN company NN gives VVZ to TO an DT attorney NN who WP then RB examines VVZ the DT title NN for IN insurance NN purposes NNS . SENT Back RB to TO back VV escrow NN Arrangements NNS that IN an DT owner NN makes VVZ to TO oversee VV the DT sale NN of IN one CD property NN and CC the DT purchase NN of IN another DT at IN the DT same JJ time NN . SENT Backup JJ offer NN A DT secondary JJ bid NN for IN a DT property NN that IN the DT seller NN will MD accept VV if IN the DT first JJ offer NN fails VVZ . SENT Backwater NN valve NN A DT valve NN in IN a DT sewer NN line NN that WDT prevents VVZ sewage NN from IN flowing VVG back RB into IN a DT house NN . SENT Balance NN sheet NN A DT statement NN that WDT shows VVZ the DT assets NNS , , liabilities NNS and CC net JJ worth NN of IN an DT individual NN . SENT Balloon NN frame NN construction NN A DT type NN of IN framing NN used VVN in IN two CD story NN homes NNS in IN which WDT studs NNS extend VVP from IN the DT ground NN to TO the DT ceiling NN of IN the DT second JJ floor NN . SENT Balloon NN loan NN A DT mortgage NN in IN which WDT monthly JJ installments NNS are VBP not RB large JJ enough RB to TO repay VV the DT loan NN by IN the DT end NN of IN the DT term NN . SENT As IN a DT result NN , , the DT final JJ payment NN due RB is VBZ the DT lump NN sum NN of IN the DT remaining JJ principal NN . SENT Balloon NN payment NN The DT final JJ lump NN sum NN payment NN due JJ at IN the DT end NN of IN a DT balloon NN mortgage NN . SENT Balustrade NN Railing NP held VVD up RP by IN a DT set NN of IN posts NNS on IN a DT porch NN or CC stairway NN . SENT Bankruptcy NN A DT proceeding NN in IN which WDT an DT insolvent JJ debtor NN can MD obtain VV relief NN from IN payment NN of IN certain JJ obligations NNS . SENT Bankruptcies NNS remain VVP on IN a DT credit NN record NN for IN seven CD years NNS and CC can MD severely RB limit VV a DT person's JJ ability NN to TO borrow VV . SENT Bargain NN sale NN The DT sale NN of IN a DT piece NN of IN property NN for IN less JJR than IN market NN value NN . SENT Baseboard NN Any DT board NN or CC molding NN found VVN at IN the DT bottom NN of IN an DT interior JJ wall NN . SENT Baseboard NN electric JJ heat NN Heating NN units NNS installed VVN in IN the DT floor NN that WDT can MD be VB controlled VVN by IN a DT central JJ thermostat NN . SENT Basement NN The DT area NN of IN a DT home NN below IN ground NN level NN . SENT Basis NN Point NP A NP basis NN point NN is VBZ one CD one NN hundredth JJ of IN one CD percentage NN point NN . SENT For IN example NN , , the DT difference NN between IN a DT loan NN at IN 8 CD . SENT 25 CD percent NN and CC a DT mortgage NN at IN 8 CD . SENT 37 CD percent NN is VBZ 12 CD basis NN points NNS . SENT Bay NP The DT opening NN between IN two CD columns NNS or CC walls NNS that WDT forms VVZ a DT space NN . SENT Bay NP window NN A DT window NN that WDT projects VVZ outward RB in IN a DT curve NN . SENT Bearing VVG wall NN A DT wall NN that WDT supports VVZ its PP$ own JJ weight NN in IN addition NN to TO other JJ parts NNS of IN a DT structure NN . SENT Beneficiary NN The DT lender NN who WP makes VVZ a DT loan NN , , also RB called VVD a DT mortgagee NN . SENT The DT person NN borrowing NN money NN is VBZ the DT mortgagor NN . SENT Before IN tax NN income NN Total JJ income NN before IN taxes NNS are VBP deducted VVN . SENT Bequest NN Personal JJ property NN given VVN to TO a DT person NN through IN a DT will NN . SENT Betterment NN An DT improvement NN that WDT increases VVZ a DT property's JJ value NN as IN opposed VVN to TO repairs NNS that WDT maintain VVP the DT value NN . SENT Bidding NN war NN Offers NP from IN multiple JJ buyers NNS for IN a DT piece NN of IN property NN . SENT Agents NNS also RB sometimes RB compete VV to TO list VV a DT house NN for IN sale NN . SENT Bilateral JJ contract NN A DT contract NN in IN which WDT the DT parties NNS involved VVN give VVP mutual JJ promises NNS . SENT Also RB called VVN reciprocal JJ contracts NNS . SENT Bill NN of IN sale NN A DT document NN that WDT transfers VVZ ownership NN of IN personal JJ property NN . SENT Binder NP A NP report NN issued VVN by IN a DT title NN insurance NN company NN that IN details NNS the DT condition NN of IN a DT home's JJ title NN . SENT and CC provides VVZ guidelines NNS for IN a DT title NN insurance NN policy NN . SENT Biweekly JJ mortgage NN A DT mortgage NN that WDT requires VVZ payments NNS every DT two CD weeks NNS and CC helps VVZ repay VV the DT loan NN over IN a DT shorter JJR term NN . SENT Blanket NN insurance NN policy NN A DT policy NN that WDT covers VVZ more JJR than IN one CD person NN or CC piece NN of IN property NN . SENT Blanket NN mortgage NN A DT mortgage NN that WDT covers VVZ more JJR than IN one CD property NN owned VVN by IN the DT same JJ borrower NN . SENT Blighted VVN area NN A DT neighborhood NN that WDT has VHZ deteriorated VVN . SENT Blind JJ nailing VVG Nails NP driven VVN into IN a DT wall NN and CC concealed VVN with IN putty NN . SENT Blueprint NN Blue NP ribbon NN condition NN A DT house NN maintained VVD close RB to TO its PP$ original JJ condition NN . SENT Also RB called VVN mint NN condition NN . SENT Blue JJ sky NN laws NNS Regulations NNS on IN the DT sale NN of IN securities NNS to TO prevent VV consumers NNS from IN investing VVG in IN fraudulent JJ or CC high JJ risk NN companies NNS without IN being VBG informed VVN of IN the DT risks NNS . SENT Board NN and CC batten NN siding NN Siding NN is VBZ composed VVN of IN 8 CD to TO 12 CD inch NN wide JJ wooden JJ boards NNS nailed VVN vertically RB to TO create VV a DT barn NN like IN exterior NN . SENT Board NP foot NN Measurement NN of IN lumber NN that WDT is VBZ the DT equivalent NN of IN 144 CD cubic JJ inches NNS . SENT Board NN of IN Equalization NN A DT state NN board NN charged VVN with IN ensuring VVG that DT local JJ property NN taxes NNS are VBP assessed VVN in IN a DT uniform JJ manner NN . SENT Boilerplate NN Form NN language NN used VVN in IN deeds NNS , , mortgages NNS and CC other JJ documents NNS . SENT Details NNS can MD be VB added VVN by IN individual JJ parties NNS . SENT Bona NN fide NN A DT legal JJ term NN that WDT refers VVZ to TO actions NNS or CC persons NNS that WDT are VBP honest JJ and CC in IN good JJ faith NN . SENT Bond NN An DT agreement NN that WDT insures VVZ one CD party NN against IN loss NN by IN acts NNS or CC defaults NNS of IN another DT party NN . SENT Book NN value NN The DT value NN of IN a DT property NN as IN a DT capital NN asset NN based VVN on IN its PP$ cost NN plus CC any DT additions NNS , , minus CC depreciation NN . SENT Boring JJ test NN An DT analysis NN of IN soil NN in IN which WDT holes NNS are VBP bored VVN into IN the DT ground NN and CC samples NNS are VBP removed VVN . SENT Borough NN A DT section NN of IN a DT city NN that WDT has VHZ authority NN over IN local JJ matters NNS . SENT Borrow NP Sand NP , , gravel NN or CC other JJ material NN used VVN for IN grading VVG . SENT Borrow VV pit VV The DT hole NN at IN a DT site NN that WDT has VHZ been VBN excavated VVN . SENT Boulevard NP A NP street NN lined VVN with IN trees NNS or CC constructed VVN with IN a DT landscaped VVN median NN . SENT Boundary NN The DT dividing VVG line NN between IN two CD adjacent JJ properties NNS . SENT Braced VVN framing VVG A DT construction NN method NN in IN two CD story NN homes NNS in IN which WDT the DT frame NN is VBZ reinforced VVN with IN posts NNS and CC braces NNS . SENT Breach NN of IN contract NN The DT failure NN to TO perform VV provisions NNS of IN a DT contractwithout NN a DT legal JJ excuse NN . SENT Breach NN of IN covenant NN The DT failure NN to TO obey VV a DT legal JJ agreement NN . SENT Breach NN of IN warranty NN A DT seller's NNS inability NN to TO pass VV clear JJ title NN to TO a DT buyer NN . SENT Break VVP even RB point VV The DT point NN in IN which WDT the DT owner's JJ rental JJ income NN matches VVZ expenses NNS and CC debt NN . SENT Breast NN height NN The DT height NN at IN which WDT the DT diameter NN of IN a DT tree NN is VBZ measured VVN . SENT four CD feet NNS , , six CD inches NNS above IN the DT ground NN . SENT Breezeway NN A DT roofed VVN passageway NN with IN open JJ sides NNS . SENT Brick NP Building NP material NN made VVN from IN clay NN molded VVN into IN oblong JJ blocks NNS and CC fired VVN in IN a DT kiln NN . SENT Bridge NN loan NN A DT short JJ term NN loan NN for IN borrowers NNS who WP need VVP more JJR time NN to TO find VV permanent JJ financing NN . SENT Brokerage NN The DT act NN of IN bringing VVG together RB two CD or CC more JJR parties NNS in IN exchange NN for IN a DT fee NN or CC commission NN . SENT Broker NN A DT person NN licensed VVN by IN the DT state NN to TO deal VV in IN real JJ estate NN . SENT Broom NN clean VV The DT ideal JJ condition NN of IN a DT building NN when WRB it PP is VBZ turned VVN over RP to TO an DT owner NN or CC tenant NN . SENT Brownstone NN A DT vintage JJ row NN house NN constructed VVN of IN red JJ sandstone NN . SENT Buffer VV strip VV A DT parcel NN of IN land NN that WDT separates VVZ two CD or CC more JJR properties NNS . SENT Building NN and CC loan NN association NN An DT organization NN that WDT raises VVZ money NN to IN helps VVZ its PP$ members NNS purchase VV real JJ estate NN or CC construct VV a DT building NN . SENT Building NN code NN A DT comprehensive JJ set NN of IN laws NNS that WDT controls VVZ the DT construction NN or CC remodeling NN of IN a DT home NN or CC other JJ structure NN . SENT Building NN inspector NN A DT city NN or CC county NN employee NN who WP enforces VVZ the DT building NN code NN and CC ensures VVZ that DT work NN is VBZ correctly RB performed VVN . SENT Building NN moratorium NN A DT halt NN on IN home NN construction NN to TO slow VV the DT rate NN of IN development NN . SENT Building NN paper NN A DT thick JJ , , water NN resistant NN paper NN that WDT serves VVZ as IN insulation NN . SENT Building NN permit VVP A DT permit NN issued VVN by IN a DT local JJ government NN agency NN that WDT allows VVZ the DT construction NN of IN home NN or CC renovation NN of IN a DT house NN . SENT Builder NN upgrades NNS Extra JJ house NN features NNS or CC better JJR finishing JJ materials NNS that IN a DT builder NN offers VVZ . SENT Building NN line NN or CC setback NN Guidelines NNS that WDT limit VVP how WRB close JJ an DT owner NN can MD build VV to TO the DT street NN or CC an DT adjacent JJ property NN . SENT Building VVG restrictions NNS Regulations NNS that WDT limit VVP the DT manner NN in IN which WDT property NN can MD be VB used VVN . SENT Built VVN ins NNS Appliances NNS or CC other JJ items NNS that WDT are VBP framed VVN into IN a DT home NN or CC permanently RB attached VVN . SENT Bulkhead NN A DT retaining VVG wall NN designed VVN to TO hold VV back RB water NN from IN the DT ocean NN or CC another DT body NN of IN water NN . SENT Bundle NN of IN rights NNS The DT various JJ interests NNS or CC rights NNS an DT owner NN has VHZ in IN a DT property NN . SENT Bungalow NN A DT small JJ one CD story NN house NN or CC cottage NN . SENT Butterfly NN roof NN A DT roof NN formed VVN by IN two CD gables NNS that DT dip NN in IN the DT middle NN to TO resemble VV a DT butterfly's JJ wings NNS . SENT Buy VVP down RB mortgage VV A DT home NN loan NN in IN which WDT the DT lender NN receives VVZ a DT premium NN as IN an DT inducement NN to TO reduce VV the DT interest NN rate NN during IN the DT early JJ years NNS of IN the DT mortgage NN . SENT Buyer NN broker NN A DT real JJ estate NN broker NN who WP exclusively RB represents VVZ the DT buyer's JJ interests NNS in IN a DT transaction NN and CC whose WP$ commission NN is VBZ paid VVN by IN the DT buyer NN rather RB than IN the DT seller NN . SENT Buyer's NP market NN A DT slow JJ real JJ estate NN market NN in IN which WDT buyers NNS have VHP the DT advantage NN . SENT Buyer's NP remorse NN An DT emotion NN felt VVD by IN first JJ time NN homebuyers NNS after IN signing VVG a DT sales NNS contract NN or CC closing VVG the DT purchase NN of IN a DT house NN . SENT Bylaws NNS The DT rules NNS and CC regulations NNS that IN a DT homeowners NNS association NN or CC corporation NN adopts VVZ to TO govern VV activities NNS . SENT Call NN option NN A DT clause NN in IN a DT loan NN agreement NN that WDT allows VVZ a DT lender NN to TO ask VV for IN the DT balance NN at IN any DT time NN . SENT Can MD lights NNS Cylindrical JJ chambers NNS with IN bulbs NNS recessed VVN into IN the DT ceiling NN . SENT Cancellation NN clause NN A DT clause NN that IN details NNS the DT conditions NNS under IN which WDT each DT party NN may MD terminate VV the DT agreement NN . SENT Cantilever VV A DT projecting VVG structure NN supported VVN on IN one CD end NN , , such JJ as IN a DT balcony NN . SENT Cap VV A DT limit NN on IN the DT amount NN the DT interest NN rate NN or CC monthly JJ payment NN can MD increase VV in IN an DT adjustable JJ rate NN mortgage NN . SENT Cape NP Cod NN style NN A DT wood NN frame NN or CC shingled VVD house NN with IN a DT steep JJ roof NN and CC several JJ windows NNS projecting VVG from IN the DT second JJ floor NN . SENT Capital NP Money NP used VVD to TO create VV income NN , , such JJ as IN funds NNS invested VVN in IN rental JJ property NN . SENT Capital NN expenditure NN The DT cost NN of IN making VVG improvements NNS on IN a DT property NN . SENT Capital NN gains NNS Profits NNS an DT investor NN makes VVZ from IN the DT sale NN of IN real JJ estate NN or CC investments NNS . SENT Capital NN gains NNS tax NN A DT tax NN placed VVN on IN the DT profits NNS from IN the DT sale NN of IN real JJ estate NN or CC investments NNS . SENT Capital NN improvement NN Any DT improvement NN that WDT extends VVZ the DT life NN or CC increases VVZ the DT value NN of IN a DT piece NN of IN property NN . SENT Capitalization NN A DT mathematical JJ formula NN that IN investors NNS use VVP to TO compute VV the DT value NN of IN a DT property NN based VVN on IN net JJ income NN . SENT Capitalization NN rate NN The DT percentage NN rate NN of IN return NN estimated VVN from IN the DT net JJ income NN of IN a DT piece NN of IN property NN . SENT Caravan VV A DT group NN of IN real JJ estate NN agents NNS who WP tour VV a DT house NN that WDT has VHZ been VBN recently RB listed VVN for IN sale NN . SENT Carport NN A DT roof NN that WDT covers VVZ a DT driveway NN or CC other JJ parking NN area NN . SENT Casement NN window NN A DT window NN hinged VVN on IN its PP$ sides NNS to TO allow VV it PP to TO swing VV open RP vertically RB . SENT Cash NN flow NN The DT amount NN of IN cash NN a DT rental JJ property NN investor NN receives VVZ after IN deducting VVG operating NN expenses NNS and CC loan NN payments NNS from IN gross JJ income NN . SENT Cashier's NNS check VVP A DT check NN the DT bank NN draws VVZ on IN itself PP rather RB than IN on IN a DT depositor's NNS account VVP . SENT Cash NN out RB refinance VV The DT refinancing NN of IN a DT mortgage NN in IN which WDT the DT money NN received VVD from IN the DT new JJ loan NN is VBZ greater JJR than IN the DT amount NN due JJ on IN the DT old JJ loan NN . SENT The DT borrower NN can MD use VV the DT extra JJ funds NNS in IN any DT manner NN . SENT Cathedral NP ceiling NN A DT high JJ open JJ ceiling NN formed VVN by IN finishing VVG exposed VVN roof NN rafters NNS . SENT Caulk VV An DT acrylic NN or CC silicon NN sealant NN used VVN to TO fill VV cracks NNS , , crevices NNS and CC holes NNS in IN a DT home NN . SENT Cavedium NP A NP courtyard NN or CC atrium NN . SENT Caveat NN A DT formal JJ notice NN , , that WDT asks VVZ a DT court NN to TO suspend VV action NN until IN the DT party NN which WDT filed VVD the DT challenge NN can MD be VB heard VVN . SENT Caveat NN emptor NN A DT legal JJ principle NN derived VVN from IN Latin NP than IN means NNS let VVP the DT buyer NN beware VV . SENT Ceiling NN height NN The DT standard JJ height NN of IN a DT ceiling NN is VBZ eight CD feet NNS . SENT Central JJ air NN conditioning NN A DT device NN that WDT generates VVZ cold JJ air NN through IN an DT outside JJ unit NN that WDT is VBZ connected VVN to TO ductwork NN inside IN the DT house NN . SENT Central JJ business NN district NN The DT area NN of IN a DT city NN where WRB most RBS large JJ businesses NNS are VBP located VVN . SENT Certificate NN of IN Deposit NP CD NP A DT document NN which WDT shows VVZ that IN the DT bearer NN has VHZ a DT specified JJ amount NN of IN money NN on IN deposit NN with IN a DT bank NN , , stock NN brokerage NN firm NN or CC other JJ financial JJ institution NN . SENT Certificate NN of IN deposit NN index NN An DT index NN based VVN on IN the DT interest NN rates NNS on IN six CD month NN CDs NNS . SENT It PP used VVD to TO determine VV the DT interest NN rate NN for IN some DT adjustable JJ rate NN mortgages NNS . SENT Certificate NN of IN eligibility NN A DT document NN issued VVN by IN the DT Veterans NP Administration NP that WDT verifies VVZ the DT eligibility NN of IN a DT veteran NN for IN a DT loan NN program NN . SENT Certificate NN of IN occupancy NN A DT document NN which WDT states VVZ that IN a DT home NN or CC other JJ building NN has VHZ met VVN all DT building NN codes NNS and CC is VBZ suitable JJ for IN habitation NN . SENT Certificate NN of IN sale NN A DT document NN issued VVN at IN a DT judicial JJ sale NN , , which WDT entitles VVZ the DT buyer NN to TO receive VV a DT deed NN after IN court NN confirmation NN of IN the DT purchase NN of IN the DT property NN . SENT Certificate NN of IN title NN A DT written JJ opinion NN on IN the DT status NN of IN a DT piece NN of IN property NN based VVN on IN an DT examination NN of IN the DT public JJ record NN . SENT Chain NN of IN title NN The DT official JJ record NN that IN details NNS the DT ownership NN history NN of IN a DT piece NN of IN property NN . SENT Chair NN railing NN Decorative JJ trim JJ installed VVN on IN a DT wall NN about IN 32 CD inches NNS above IN the DT floor NN , , which WDT protects VVZ against IN scuffs NNS from IN furniture NN . SENT Change NN order NN A DT modification NN of IN the DT construction NN contract NN to TO authorize VV a DT change NN in IN the DT work NN , , an DT adjustment NN in IN the DT amount NN of IN the DT contract NN or CC a DT change NN in IN the DT contract NN time NN . SENT The DT owner NN , , architect NN and CC contractor NN must MD sign VV the DT change NN . SENT Change NN frequency NN The DT adjustment NN schedule NN on IN an DT adjustable JJ rate NN mortgage NN . SENT Chattel NN Personal JJ property NN such JJ as IN furniture NN , , clothing NN or CC a DT car NN . SENT Chattel NN mortgage NN A DT lien NN on IN personal JJ property NN used VVN as IN collateral NN for IN a DT loan NN . SENT Chimney NN back RB The DT back JJ wall NN or CC lining NN of IN a DT fireplace NN or CC furnace NN chimney NN . SENT Chimney NN flue NN The DT passage NN inside IN a DT chimney NN that IN channels NNS smoke NN and CC heat NN to TO the DT outside NN . SENT Chimney NN pot NN A DT short JJ pipe NN at IN the DT top NN of IN a DT chimney NN that WDT increases VVZ ventilation NN to TO the DT fireplace NN and CC reduces VVZ smoke NN . SENT Cinder VV block VV A DT block NN made VVN of IN ash NN and CC cement NN that WDT is VBZ used VVN in IN construction NN . SENT Cinder VV fill VV Cinders NNS used VVN below IN a DT basement NN or CC around IN a DT foundation NN to TO promote VV drainage NN . SENT Circuit NN breaker NN An DT electric JJ fuse NN that WDT activates VVZ or CC deactivates VVZ a DT circuit NN . SENT Cistern NN A DT tank NN used VVN to TO store VV rainwater NN . SENT Classified JJ property NN tax NN A DT tax NN that WDT varies VVZ in IN rate NN depending VVG on IN the DT use NN of IN the DT property NN . SENT Clear JJ title NN A DT property NN that WDT does VVZ not RB have VH liens NNS , , defects NNS or CC other JJ legal JJ encumbrances NNS . SENT Closing VVG The DT final JJ procedure NN in IN which WDT documents NNS are VBP signed VVN and CC recorded VVN , , and CC the DT property NN is VBZ transferred VVN . SENT Closing VVG costs NNS Expenses NNS incidental JJ to TO the DT sale NN of IN real JJ estate NN , , including VVG loan NN , , title NN and CC appraisal NN fees NNS . SENT Closing VVG statement NN A DT document NN which WDT details NNS the DT final JJ financial JJ settlement NN between IN a DT buyer NN and CC seller NN and CC the DT costs NNS paid VVN by IN each DT party NN . SENT Cloud NN on IN title NN An DT invalid JJ encumbrance NN on IN real JJ property NN . SENT Cluster NN development NN A DT method NN of IN squeezing VVG more JJR homes NNS into IN less JJR space NN . SENT Codicil NN A DT change NN to TO a DT will NN that WDT adds VVZ or CC subtracts VVZ provisions NNS or CC clarifies VVZ portions NNS of IN the DT document NN . SENT Co NP housing NN Individual JJ housing NN units NNS that WDT are VBP clustered VVN around IN a DT common JJ building NN where WRB residents NNS share NN cooking NN and CC other JJ activities NNS . SENT Coign NN The DT cornerstone NN of IN a DT building NN that WDT differs VVZ in IN shape NN or CC color NN from IN the DT rest NN of IN the DT wall NN . SENT Co NP insurance NN Coverage NP that WDT involves VVZ the DT use NN of IN two CD or CC more JJR insurers NNS . SENT . SENT Collar NN beam NN The DT structural JJ element NN that WDT connects VVZ roof NN rafters NNS . SENT Collateral NN security NN Additional JJ security NN that IN a DT borrower NN supplies VVZ to TO obtain VV a DT loan NN . SENT Collection NN The DT series NN of IN steps NNS a DT lender NN takes VVZ to TO bring VV a DT delinquent JJ mortgage NN up RB to TO date NN . SENT Collusion NN The DT action NN of IN two CD or CC more JJR people NNS to TO break VV the DT law NN . SENT Colonia NP Unincorporated JJ communities NNS along IN the DT U NP . SENT S NP . SENT Mexico NP border NN . SENT Column NN A DT slender JJ upright JJ structure NN that WDT consists VVZ of IN a DT base NN , , a DT round NN or CC square JJ shaft NN and CC a DT capital NN . SENT Column NN footing VVG The DT support NN base NN for IN a DT load NN bearing NN column NN . SENT The DT footing NN is VBZ usually RB made VVN of IN reinforced VVN concrete NN . SENT Co NP maker NN A DT person NN who WP signs VVZ a DT promissory JJ note NN with IN the DT borrower NN and CC assumes VVZ responsibility NN for IN the DT loan NN . SENT Combination NN door NN An DT outer JJ door NN with IN interchangeable JJ screen NN and CC glass NN panels NNS . SENT Combination NN window NN A DT window NN with IN interchangeable JJ screen NN and CC glass NN panels NNS . SENT Commercial JJ bank NN A DT financial JJ institution NN that WDT provides VVZ a DT broad JJ range NN of IN services NNS , , from IN checking NN and CC savings NN accounts NNS to TO business NN loans NNS and CC credit NN cards NNS . SENT Commercial JJ property NN An DT area NN that WDT is VBZ zoned VVN for IN businesses NNS . SENT Commingling VVG The DT mixing VVG of IN money NN held VVN in IN trust NN with IN other JJ funds NNS . SENT Commission NP The DT negotiable JJ percentage NN of IN the DT sales NNS price NN of IN a DT home NN that WDT is VBZ paid VVN to TO the DT agents NNS of IN the DT buyer NN and CC seller NN . SENT Commitment NN A DT promise NN by IN a DT lender NN to TO make VV a DT loan NN with IN specific JJ terms NNS for IN a DT specified JJ period NN . SENT Commitment NN fee NN The DT fee NN a DT lender NN charges NNS for IN promising VVG to TO make VV a DT loan NN . SENT Common JJ area NN An DT area NN inside IN a DT housing NN development NN that WDT is VBZ owned VVN by IN all DT residents NNS . SENT Common JJ area NN assessments NNS Fees NNS paid VVN by IN the DT owners NNS of IN a DT condominium NN project NN or CC planned JJ unit NN development NN to TO maintain VV , , repair VV , , improve VV or CC operate VV common JJ areas NNS . SENT Common JJ interest NN development NN A DT project NN composed VVN of IN individually RB owned VVN units NNS that IN share NN usage NN and CC financial JJ responsibility NN for IN common JJ areas NNS . SENT Common JJ law NN A DT body NN of IN laws NNS based VVN on IN custom NN , , usage NN and CC rulings NNS by IN courts NNS in IN various JJ jurisdictions NNS . SENT Community NP property NN Property NN accumulated VVN through IN the DT joint JJ efforts NNS of IN husband NN and CC wife NN . SENT It PP is VBZ a DT classification NN of IN property NN peculiar JJ to TO certain JJ states NNS . SENT Community NP Reinvestment NP Act NP A DT federal JJ law NN that WDT encourages VVZ financial JJ institutions NNS to TO loan NN money NN in IN the DT neighborhoods NNS where WRB minority NN depositors NNS live VVP . SENT Commute NN The DT distance NN and CC time NN it PP takes VVZ a DT person NN to TO reach VV the DT workplace NN . SENT Comparables NP Properties NPS used VVD as IN comparisons NNS to TO determine VV the DT value NN of IN a DT certain JJ property NN . SENT Comparative JJ market NN analysis NN An DT estimate NN of IN the DT value NN of IN a DT property NN based VVN on IN an DT analysis NN of IN sales NNS of IN properties NNS with IN similar JJ characteristics NNS . SENT Competent JJ A DT term NN for IN a DT buyer NN who WP is VBZ legally RB fit JJ to TO enter VV into IN a DT sales NNS contract NN . SENT Compound JJ interest NN The DT interest NN paid VVN on IN the DT principal JJ balance NN in IN a DT mortgage NN and CC on IN the DT accrued JJ and CC unpaid JJ interest NN of IN the DT loan NN . SENT Concrete JJ tilt NN up IN The DT process NN of IN pouring VVG concrete NN into IN forms NNS on IN the DT ground NN , , allowing VVG the DT forms NNS to TO harden VV and CC then RB raising VVG the DT material NN to TO a DT vertical JJ position NN to TO form VV walls NNS . SENT Condemnation NN The DT process NN the DT government NN uses VVZ to TO take VV private JJ property NN for IN public JJ use NN without IN the DT consent NN of IN the DT owner NN . SENT Conditional JJ commitment NN A DT promise NN by IN a DT lender NN to TO make VV a DT loan NN if IN the DT borrower NN meets VVZ certain JJ conditions NNS . SENT Condominium NN Individual JJ units NNS in IN a DT building NN or CC development NN in IN which WDT owners NNS hold VVP title NN to TO the DT interior JJ space NN while IN common JJ areas NNS such JJ as IN parking NN lots NNS , , community NN rooms NNS and CC recreational JJ areas NNS are VBP owned VVN by IN all PDT the DT residents NNS . SENT Condominium NN conversion NN The DT change NN in IN title NN from IN a DT single JJ owner NN of IN an DT entire JJ project NN or CC building VVG to TO multiple JJ owners NNS of IN individual JJ units NNS . SENT Conduit NN A DT metal NN pipe NN that WDT houses VVZ electrical JJ wiring NN . SENT Consent NN judgment NN A DT binding JJ written JJ agreement NN between IN two CD parties NNS to TO have VH a DT judgment NN entered VVN and CC recorded VVN . SENT Conservator NN A DT court NN appointed VVN guardian NN . SENT Consideration NN Anything NN that WDT is VBZ legal JJ , , has VHZ value NN and CC induces VVZ a DT person NN to TO enter VV into IN a DT contract NN . SENT Construction NN budget NN The DT funding NN that IN an DT owner NN arranges VVZ for IN the DT construction NN of IN a DT project NN . SENT Construction NN documents NNS Drawings NNS and CC specifications NNS from IN an DT architect NN that WDT provide VVP detailed JJ requirements NNS for IN the DT construction NN of IN a DT project NN . SENT Construction NN loan NN Short JJ term NN loans NNS a DT lender NN makes VVZ for IN the DT construction NN of IN homes NNS and CC buildings NNS . SENT The DT lender NN disburses VVZ the DT funds NNS in IN stages NNS . SENT Construction NN to TO permanent JJ loan NN The DT conversion NN of IN a DT construction NN loan NN to TO a DT longer JJR term NN traditional JJ mortgage NN after IN construction NN has VHZ been VBN completed VVN . SENT Consumer NP Credit NP Counseling NN Service NP CCCS NP A DT nationwide JJ , , nonprofit JJ organization NN that WDT helps VVZ consumers NNS get VV out RP of IN debt NN and CC improve VV their PP$ credit NN profile NN . SENT National JJ headquarters NNS . SENT 8701 CD Georgia NP Avenue NP . SENT , , Suite NP 507 CD , , Silver NP Springs NP , , MD NP 20910 CD . SENT Phone NN . SENT 800 CD 388 CD 2227 CD . SENT Contemporary JJ style NN A DT design NN that WDT features VVZ streamlined JJ shapes NNS , , large JJ unadorned JJ windows NNS and CC industrial JJ materials NNS . SENT Contiguous JJ lots NNS Pieces NNS of IN property NN that WDT are VBP adjoined VVN . SENT Contingency NN A DT condition NN specified VVN in IN a DT purchase NN contract NN , , such JJ as IN a DT satisfactory JJ home NN inspection NN . SENT Contingency NN listing VVG A DT property NN listing NN with IN a DT special JJ condition NN attached VVN . SENT Contingent JJ fee NN A DT fee NN that WDT must MD be VB paid VVN if IN a DT certain JJ event NN occurs VVZ . SENT Contract NN An DT agreement NN between IN two CD or CC more JJR parties NNS that WDT creates VVZ or CC modifies VVZ an DT existing JJ relationship NN . SENT Contract NN for IN deed NN A DT contract NN in IN which WDT the DT seller NN agrees VVZ to TO defer VV all DT or CC part NN of IN the DT purchase NN price NN for IN a DT specified JJ period NN of IN time NN . SENT Contract NN to TO purchase VV A DT contract NN the DT buyer NN initiates VVZ which WDT details NNS the DT purchase NN price NN and CC conditions NNS of IN the DT transaction NN and CC is VBZ accepted VVN by IN the DT seller NN . SENT Also RB known VVN as IN an DT agreement NN of IN sale NN . SENT Contractor NN The DT individual NN who WP contracts VVZ for IN the DT construction NN of IN a DT home NN or CC project NN . SENT Contractual JJ lien NN A DT voluntary JJ obligation NN such JJ as IN a DT mortgage NN or CC trust NN deed NN . SENT Controlled VVN growth NN Any DT restrictions NNS imposed VVN on IN the DT amount NN or CC type NN of IN new JJ development NN in IN an DT area NN . SENT Conventional JJ loan NN A DT long JJ term NN loan NN a DT lender NN makes VVZ for IN the DT purchase NN of IN a DT home NN . SENT Convertible JJ adjustable JJ rate NN mortgage NN A DT mortgage NN which WDT starts VVZ as IN an DT adjustable JJ rate NN loan NN , , but CC allows VVZ the DT borrower NN to TO convert VV the DT loan NN to TO a DT fixed JJ rate NN mortgage NN during IN a DT specified JJ period NN of IN time NN . SENT Conveyance NN The DT transfer NN of IN title NN of IN property NN . SENT Conveyance NN tax NN A DT tax NN imposed VVN on IN the DT transfer NN of IN real JJ property NN . SENT Cooperating VVG broker NN A DT real JJ estate NN broker NN who WP finds VVZ a DT buyer NN for IN a DT property NN that IN another DT broker NN has VHZ listed VVN . SENT Cooperative JJ corporation NN A DT business NN trust NN that WDT holds VVZ the DT title NN to TO a DT cooperative JJ residential JJ building NN and CC grants VVZ occupancy NN rights NNS to TO shareholders NNS in IN the DT corporation NN . SENT Cooperative JJ mortgages NNS Any DT loans NNS related VVN to TO a DT cooperative JJ residential JJ project NN . SENT Cooperative JJ project NN A DT project NN in IN which WDT a DT corporation NN holds VVZ title NN and CC sells VVZ shares NNS representing VVG individual JJ units NNS to TO buyers NNS who WP then RB receive VVP a DT proprietary JJ lease NN as IN their PP$ title NN . SENT Cornice VV A DT horizontal JJ molding NN that IN projects NNS from IN the DT top NN of IN a DT structure NN or CC wall NN . SENT Corporate JJ relocation NN An DT arrangement NN by IN which WDT employers NNS pay VVP to TO transfer VV and CC move VV employees NNS . SENT Co NP signer NN A DT second JJ party NN who WP signs VVZ a DT promissory JJ note NN and CC takes VVZ responsibility NN for IN the DT debt NN . SENT Counteroffer NN A DT response NN to TO an DT offer NN . SENT Corner VV bead VV A DT reinforcement NN placed VVN in IN the DT corner NN where WRB two CD walls NNS intersect VV . SENT Corner NN influence NN The DT effect NN on IN the DT value NN of IN a DT property NN because IN it PP is VBZ situated VVN on IN a DT corner NN or CC near IN a DT corner NN . SENT Corrective JJ work NN Necessary NP or CC desired VVN repairs NNS to TO remedy VV problems NNS uncovered VVN by IN a DT home NN or CC specialized JJ inspection NN . SENT Cost NN plus CC contract NN A DT construction NN contract NN that WDT determines VVZ the DT builder's NNS profit NN based VVN on IN a DT percentage NN of IN the DT cost NN of IN labor NN and CC materials NNS . SENT Cottage NN A DT small JJ , , one CD story NN house NN . SENT Covenant NN A DT legal JJ assurance NN or CC promise NN in IN a DT deed NN or CC other JJ document NN , , or CC implied VVD by IN the DT law NN . SENT Covenants NNS , , conditions NNS and CC restrictions NNS CC NP Rs NP Rules NPS and CC regulations NNS for IN a DT development NN , , such JJ as IN acceptable JJ landscaping VVG or CC improvements NNS that WDT can MD be VB made VVN to TO individual JJ units NNS . SENT Craftsman NN style NN An DT architectural JJ style NN that WDT evolved VVD as IN part NN of IN the DT Arts NPS and CC Craft NP movement NN near IN the DT turn NN of IN the DT century NN . SENT Crawl NN space NN The DT space NN between IN the DT ground NN and CC the DT first JJ floor NN of IN a DT home NN , , usually RB no RB higher JJR than IN four CD feet NNS . SENT Creative JJ financing NN Innovative JJ home NN financing NN arrangements NNS that WDT help VVP sell VV a DT property NN . SENT Credit NN The DT money NN a DT lender NN extends VVZ to TO a DT buyer NN for IN a DT commitment NN to TO repay VV the DT loan NN within IN a DT certain JJ time NN frame NN . SENT Credit NN history NN A DT record NN of IN an DT individual's NNS current JJ and CC past JJ debt NN payments NNS . SENT Creditor NN An DT individual NN or CC institution NN to TO whom WP a DT debt NN is VBZ owed VVN . SENT Credit NN life NN insurance NN Insurance NN that WDT pays VVZ off RP a DT mortgage NN in IN the DT event NN of IN the DT borrower's JJ death NN . SENT Credit NN rating NN The DT degree NN of IN credit NN worthiness NN assigned VVN to TO a DT person NN based VVN on IN credit NN history NN and CC financial JJ status NN . SENT Credit NN report NN A DT credit NN bureau NN report NN that WDT shows VVZ a DT loan NN applicant's NN history NN of IN payments NNS made VVN on IN previous JJ debts NNS . SENT Several JJ companies NNS issue NN credit NN reports NNS , , but CC the DT three CD largest JJS are VBP Trans NP Union NP Corp NP . SENT , , Equifax NP and CC Experian NP formerly RB TRW NP . SENT Credit NN repository NN Large JJ companies NNS that WDT gather VVP financial JJ and CC credit NN information NN from IN various JJ sources NNS about IN individuals NNS who WP have VHP applied VVN for IN credit NN . SENT Credit NN union NN Nonprofit JJ cooperative JJ organizations NNS that WDT provide VVP banking NN and CC financial JJ services NNS , , including VVG mortgages NNS , , home NN improvement NN loans NNS and CC home NN equity NN loans NNS , , to TO their PP$ members NNS . SENT Cross VV bridging VVG The DT strengthening NN of IN a DT structure NN by IN bracing VVG cross NN members NNS between IN beams VVZ . SENT Cul NN de NP sac NN A DT street NN or CC alley NN that WDT is VBZ closed VVN at IN one CD end NN . SENT Cupola NN A DT dome NN like IN structure NN that WDT sits VVZ on IN top NN of IN a DT roof NN . SENT Curable JJ defect NN A DT deficiency NN in IN a DT property NN that WDT is VBZ easy JJ or CC inexpensive JJ to TO fix VV , , such JJ as IN chipping VVG paint NN . SENT Curb VV appeal VV The DT first JJ impression NN of IN a DT house NN as IN seen VVN from IN the DT street NN . SENT Curtain NN wall NN An DT exterior JJ wall NN that WDT encloses VVZ a DT yard NN or CC other JJ area NN but CC does VVZ not RB provide VV any DT structural JJ support NN to TO a DT home NN . SENT Custom NN builder NN A DT builder NN who WP constructs VVZ a DT home NN or CC building NN based VVN on IN plans NNS created VVN by IN the DT owner NN . SENT Custom NN home NN A DT structure NN designed VVN by IN an DT architect NN hired VVN by IN the DT owner NN . SENT Damper NN A DT movable JJ plate NN in IN a DT fireplace NN that WDT allows VVZ smoke NN and CC fumes VVZ to TO travel VV up RP the DT chimney's NNS flue NN . SENT Days NNS on IN the DT market NN The DT period NN of IN time NN a DT property NN is VBZ listed VVN for IN sale NN until IN it PP is VBZ sold VVN or CC taken VVN off IN the DT marketDeadbolt NN lock NN Locks NP that WDT require VVP a DT key NN to TO open VV from IN the DT outside NN and CC a DT turn NN button NN from IN the DT inside NN . SENT Debt NN Any DT amount NN one NN person NN owes VVZ to TO another DT . SENT Deck NN A DT roofless JJ , , floored VVD area NN that WDT adjoins VVZ a DT house NN . SENT Deed VV The DT legal JJ document NN that WDT transfers VVZ ownership NN of IN a DT piece NN of IN property NN . SENT Deed NN of IN trust NN A DT document NN that WDT gives VVZ a DT lender NN the DT right NN to TO foreclose VV on IN a DT piece NN of IN property NN if IN the DT borrower NN defaults NNS on IN the DT loan NN . SENT Deep JJ seal NN floor NN drain VV A DT drain NN used VVN to TO dispose VV of IN water NN from IN the DT basement NN floor NN to TO a DT sewer NN line NN . SENT Default VV The DT failure NN to TO fulfill VV a DT duty NN or CC promise NN or CC discharge VV an DT obligation NN , , such JJ as IN making VVG monthly JJ mortgage NN payments NNS . SENT Deferred JJ maintenance NN Any DT repair NN or CC maintenance NN of IN a DT piece NN of IN property NN that WDT has VHZ been VBN postponed VVN , , resulting VVG in IN a DT decline NN in IN property NN value NN . SENT Delinquent JJ mortgage NN A DT mortgage NN that WDT involves VVZ a DT borrower NN who WP is VBZ behind RB on IN payments NNS . SENT If IN the DT borrower NN cannot NN bring VV the DT payments NNS up RB to TO date NN within IN a DT specified JJ number NN of IN days NNS , , the DT lender NN may MD begin VV foreclosure NN proceedings NNS . SENT Density NN test NN An DT analysis NN of IN soil NN to TO determine VV if IN the DT surface NN can MD support VV the DT foundation NN of IN a DT house NN . SENT Dentils NNS Small JJ rectangular JJ blocks NNS that IN project NN from IN a DT building NN , , usually RB under IN cornices NNS or CC along IN rooflines NNS . SENT Deposit NN Money NN given VVN by IN the DT buyer NN with IN an DT offer NN to TO purchase VV property NN . SENT Also RB called VVN earnest JJ money NN . SENT Depreciation NN The DT decline NN in IN value NN of IN a DT piece NN of IN property NN . SENT Design VV build VV A DT project NN in IN which WDT the DT owner NN contracts NNS directly RB with IN an DT individual NN or CC company NN to TO perform VV design NN and CC construction NN . SENT Designer NN Unlike IN architects NNS , , designers NNS are VBP limited VVN to TO drawing VVG blueprints NNS . SENT Digital NP images NNS Images NNS that WDT are VBP incorporated VVN into IN house NN listings NNS to TO give VV potential JJ buyers NNS a DT view NN of IN the DT property NN . SENT Dimension NN plans VVZ Plans NNS which WDT show VVP the DT layout NN of IN a DT house NN but CC are VBP less RBR detailed JJ than IN full JJ blueprints NNS . SENT Disability NN insurance NN An DT insurance NN policy NN which WDT covers VVZ an DT individual's JJ ability NN to TO produce VV income NN . SENT Disclosure NN A DT statement NN to TO a DT potential JJ buyer NN listing NN information NN relevant JJ to TO a DT piece NN of IN property NN , , such JJ as IN the DT presence NN of IN radon NN or CC lead NN paint NN . SENT Discount NN points NNS Fees NNS that IN a DT borrower NN pays VVZ at IN the DT time NN the DT lender NN makes VVZ the DT loan NN . SENT A DT point NN equals VVZ 1 CD percent NN of IN the DT total JJ loan NN amount NN . SENT Distressed JJ property NN Property NN that WDT is VBZ in IN poor JJ physical JJ or CC financial JJ condition NN . SENT Document NN needs NNS list VVP A DT list NN of IN documents NNS a DT lender NN requires VVZ when WRB a DT potential NN submits VVZ a DT loan NN application NN . SENT . SENT The DT required JJ documents NNS range VVP from IN paycheck NN stubs NNS to TO credit VV card NN statements NNS . SENT Domed VVN ceiling NN A DT hemispherical JJ ceiling NN that WDT projects VVZ upward RB without IN support NN . SENT Domicile VV A DT person's NNS primary JJ or CC permanent JJ home NN . SENT Dormer NP A NP window NN set VVD upright RB in IN a DT sloping JJ roof NN . SENT Double JJ hung JJ window NN A DT window NN that WDT consists VVZ of IN two CD sashes NNS that DT slide NN up RP and CC down RP . SENT Dovetail NN joints NNS Joints NNS that WDT lock VVP two CD pieces NNS of IN wood NN together RB with IN meshed VVN teeth NNS . SENT Down RB payment NN The DT amount NN of IN money NN a DT buyer NN agrees VVZ to TO give VV the DT seller NN when WRB a DT sales NNS agreement NN is VBZ signed VVN . SENT Complete JJ financing NN is VBZ later RBR secured VVN with IN a DT lender NN . SENT Down RB spouts VVZ A DT vertical JJ gutter NN that WDT empties VVZ water NN from IN the DT roof NN to TO the DT ground NN . SENT Drainage NN A DT system NN of IN gutters NNS and CC drainpipes NNS that WDT carry VVP water NN away RB from IN the DT foundation NN of IN a DT house NN . SENT Draw VV A DT payment NN made VVN to TO subcontractors NNS or CC suppliers NNS from IN a DT construction NN loan NN . SENT Dropped VVN ceiling NN A DT flat JJ ceiling NN built VVD lower JJR than IN the DT original JJ ceiling NN . SENT Dry JJ rot NN A DT fungal JJ decay NN that WDT causes VVZ wood NN to TO become VV brittle JJ and CC crumble VV . SENT Drywall NN A DT construction NN material NN composed VVN of IN gypsum NN or CC plaster NN wrapped VVN in IN paper NN and CC produced VVN in IN large JJ sheets NNS that WDT can MD be VB nailed VVN to TO wall NN studs NNS . SENT Dual JJ agency NN A DT relationship NN in IN which WDT a DT real JJ estate NN agent NN or CC broker NN represents VVZ both DT parties NNS in IN a DT transaction NN . SENT Duct NN Any DT kind NN of IN pipe NN or CC channel NN that WDT carries VVZ water NN , , wiring NN or CC conditioned VVN air NN through IN a DT house NN . SENT Due JJ on IN sale NN clause NN Standard NP language NN in IN a DT mortgage NN which WDT states VVZ that IN the DT loan NN must MD be VB paid VVN when WRB a DT house NN is VBZ sold VVN . SENT Duplex NN A DT structure NN that WDT consists VVZ of IN two CD separate JJ family NN units NNS . SENT Dutch JJ colonial JJ style NN A DT design NN that WDT features VVZ barn NN like IN gambrel NN roof NN , , a DT ground NN level NN front NN porch NN , , and CC dormers NNS . SENT Early JJ occupancy NN The DT condition NN in IN which WDT buyers NNS can MD occupy VV the DT property NN before IN the DT sale NN is VBZ completed VVN . SENT Earnest JJ money NN Money NN a DT buyer NN gives VVZ with IN an DT offer NN to TO purchase VV a DT property NN . SENT Also RB called VVN a DT deposit NN . SENT Earthquake NN insurance NN A DT policy NN that WDT provides VVZ coverage NN against IN damage NN to TO a DT home NN from IN an DT earthquake NN . SENT Easement NN A DT right NN given VVN to TO a DT third JJ party NN to TO use VV a DT portion NN of IN the DT property NN for IN certain JJ purposes NNS , , such JJ as IN power NN lines NNS or CC water NN mains NNS . SENT Eaves NP The DT projecting VVG overhang NN at IN the DT lower JJR edge NN of IN a DT roof NN . SENT Effective JJ age NN The DT age NN of IN a DT structure NN estimated VVN by IN its PP$ condition NN rather RB than IN its PP$ actual JJ age NN . SENT Effective JJ gross JJ income NN Additional JJ income NN that IN a DT lender NN considers VVZ when WRB assessing VVG the DT loan NN application NN of IN a DT potential JJ borrower NN . SENT Electric JJ service NN panel NN A DT panel NN that WDT transfers VVZ power NN from IN the DT utility NN line NN into IN a DT house NN to TO be VB distributed VVN through IN fuses NNS or CC circuit NN breakers NNS . SENT Elevations NNS The DT exterior JJ view NN of IN a DT home NN design NN that WDT shows VVZ the DT position NN of IN the DT house NN relative JJ to TO the DT grade NN of IN the DT land NN . SENT Ell NP An DT extension NN or CC wing NN of IN a DT house NN that WDT is VBZ at IN right JJ angles NNS to TO the DT main JJ structure NN . SENT Eminent JJ domain NN The DT government's JJ right NN to TO condemn VV private JJ land NN for IN public JJ use NN , , such JJ as IN the DT routing NN of IN a DT public JJ highway NN . SENT Employer NN assisted VVN housing NN Programs NNS which WDT help VVP employees NNS purchase VV homes NNS through IN special JJ plans NNS developed VVN with IN lenders NNS . SENT Empty JJ nesters NNS Potential JJ buyers NNS who WP have VHP raised VVN their PP$ families NNS and CC want VVP to TO move VV into IN a DT smaller JJR home NN . SENT Encroachment NN Fences NNS or CC other JJ structures NNS that WDT extend VVP into IN the DT property NN of IN another DT owner NN . SENT Encumbrance NN A DT claim NN or CC lien NN on IN a DT property NN which WDT complicates VVZ the DT title NN process NN . SENT End NN loan NN The DT conversion NN from IN a DT construction NN loan NN to TO permanent JJ financing NN a DT condominium NN buyer NN secures VVZ after IN all DT units NNS in IN a DT project NN have VHP been VBN completed VVN . SENT Endorser NN A DT person NN who WP signs VVZ over IN ownership NN of IN property NN to TO another DT party NN . SENT English NP Tudor NP style NN An DT architectural JJ design NN that WDT features VVZ stone NN or CC brick NN exterior NN walls NNS and CC exposed VVN beams NNS . SENT Environmental JJ impact NN statement NN A DT government NN mandated VVD evaluation NN of IN all DT aspects NNS and CC effects NNS a DT development NN will MD have VH on IN the DT environment NN of IN a DT proposed VVN site NN . SENT Environmentally RB friendly JJ home NN construction NN A DT method NN of IN construction NN that WDT utilizes VVZ recycled JJ materials NNS . SENT Equal NP Credit NP Opportunity NP Act NP . SENT A DT federal JJ law NN that WDT prohibits VVZ a DT lender NN or CC other JJ creditor NN from IN refusing VVG to TO grant VV credit NN based VVN on IN the DT applicant's JJ sex NN , , marital JJ status NN , , race NN , , religion NN , , national JJ origin NN or CC age NN . SENT The DT law NN also RB prohibits VVZ a DT creditor NN from IN refusing VVG to TO grant VV credit NN because IN the DT applicant NN receives VVZ public JJ assistance NN . SENT Equifax NP Equifax NP Credit NP Information NP Services NPS , , Inc NP . SENT , , is VBZ one CD of IN the DT Big NP Three CD credit NN reporting VVG bureaus NNS that WDT operate VVP nationwide JJ . SENT Address VV . SENT P NN . SENT O NN . SENT Box NP 740249 CD , , Atlanta NP , , GA NP 30374 CD . SENT Equity NN A DT determination NN of IN the DT value NN of IN a DT property NN after IN existing JJ liens NNS are VBP deducted VVN . SENT Errors NNS and CC omissions NNS insurance NN A DT policy NN that WDT pays VVZ for IN any DT mistakes NNS a DT builder NN or CC architect NN makes VVZ in IN a DT project NN . SENT Escrow NN A DT neutral JJ third JJ party NN holds VVZ the DT documents NNS and CC money NN involved VVN in IN a DT real JJ estate NN transaction NN and CC ensures VVZ that IN all DT conditions NNS of IN a DT sale NN are VBP met VVN . SENT . SENT Escrow NN also RB refers VVZ to TO a DT special JJ account NN that IN a DT lender NN establishes VVZ to TO hold VV monthly JJ installments NNS from IN the DT borrower NN to TO cover VV property NN taxes NNS and CC insurance NN . SENT Escrow NN account VVP An DT account NN that IN a DT lender NN or CC mortgage NN servicer NN establishes VVZ to TO hold VV funds NNS for IN the DT payment NN of IN expenses NNS such JJ as IN homeowners NNS insurance NN and CC property NN taxes NNS . SENT Also RB known VVN as IN an DT impound VV account NN . SENT Escrow NN agent NN A DT neutral JJ third JJ party NN who WP ensures VVZ that IN all DT conditions NNS of IN a DT real JJ estate NN transaction NN are VBP met VVN . SENT Escrow NN analysis NN A DT lender's JJ periodic JJ examination NN of IN an DT escrow NN account NN to TO determine VV if IN the DT lender NN is VBZ withholding VVG enough JJ funds NNS from IN a DT borrower's JJ monthly JJ mortgage NN payment NN to TO pay VV for IN expenses NNS such JJ as IN property NN taxes NNS and CC insurance NN . SENT Escrow NN closing NN Escrow NN closes VVZ when WRB all DT conditions NNS of IN a DT real JJ estate NN transaction NN are VBP met VVN and CC the DT title NN of IN the DT property NN is VBZ transferred VVN to TO the DT buyer NN . SENT Escrow NN company NN Firms NNS that WDT act VVP as IN neutral JJ third JJ parties NNS to TO ensure VV that IN all DT conditions NNS that IN the DT buyer NN , , seller NN and CC lender NN establish VV in IN a DT real JJ estate NN transaction NN are VBP met VVN . SENT Escrow NN payment NN Funds NNS that IN a DT mortgage NN servicer NN withdraws VVZ from IN a DT borrower's JJ escrow NN account NN to TO pay VV property NN taxes NNS and CC insurance NN . SENT Estate NN The DT total JJ assets NNS of IN a DT person NN , , including VVG real JJ property NN , , at IN the DT time NN of IN death NN . SENT Eviction NN A DT legal JJ procedure NN to TO remove VV a DT tenant NN for IN reasons NNS including VVG failure NN to TO pay VV rent NN . SENT Examination NN of IN title NN An DT inspection NN by IN a DT title NN company NN of IN public JJ records NNS and CC other JJ documents NNS to TO determine VV the DT chain NN of IN ownership NN of IN a DT property NN . SENT Excavation NN The DT process NN of IN clearing VVG trees NNS , , removing VVG topsoil NN and CC grading VVG land NN before IN the DT foundation NN is VBZ laid VVN . SENT Exclusive JJ listing NN A DT contract NN that WDT gives VVZ an DT agent NN the DT exclusive JJ right NN to TO market VV a DT property NN for IN a DT specific JJ period NN of IN time NN . SENT Executor NN A DT person NN appointed VVN to TO carry VV out RP the DT instructions NNS in IN a DT will NN . SENT If IN there EX is VBZ no DT will NN , , a DT probate NN court NN will MD appoint VV an DT executor NN . SENT Exhaust NN fan NN Ventilating VVG devices NNS that WDT remove VV water NN vapor NN , , undesired JJ smells VVZ or CC smoke NN . SENT Experian NP Experian NP , , formerly RB known VVN as IN TRW NP Information NP Systems NPS Services NP , , is VBZ one CD of IN the DT Big NP Three CD credit NN reporting NN bureaus NN . SENT . SENT Address VV . SENT 505 CD City NP Parkway NP West NP , , Orange NP , , CA MD 92868 CD . SENT Facade NN The DT part NN of IN a DT building NN facing VVG the DT street NN or CC a DT courtyard NN . SENT Fair NP Credit NP Billing NP Act NP A DT federal JJ law NN that WDT governs VVZ credit NN and CC charge NN card NN billing NN errors NNS . SENT If IN a DT credit NN or CC charge NN card NN company NN violates VVZ any DT provision NN , , consumers NNS can MD sue VV to TO recover VV damages NNS . SENT Fair NP Credit NP Reporting NP Act NP . SENT A DT federal JJ law NN passed VVN in IN 1971 CD that WDT regulates VVZ the DT activity NN of IN credit NN bureaus NN . SENT It PP is VBZ designed VVN to TO prevent VV inaccurate JJ or CC obsolete JJ information NN from IN staying VVG in IN a DT consumer's JJ credit NN file NN and CC requires VVZ credit NN bureaus NNS to TO have VH reasonable JJ procedures NNS for IN gathering NN , , maintaining VVG and CC disseminating VVG credit NN information NN . SENT The DT act NN also RB requires VVZ credit NN bureaus NNS to TO show VV a DT consumer NN their PP$ credit NN file NN if IN the DT consumer NN presents VVZ proper JJ identification NN , , although IN the DT bureau NN reserves VVZ the DT right NN to TO charge VV a DT fee NN for IN doing VVG so RB . SENT Fair NP Debt NP Collection NN Practices NP Act NP . SENT A DT federal JJ law NN passed VVN in IN 1977 CD which WDT outlaws VVZ debtor JJ harassment NN and CC other JJ types NNS of IN collection NN practices NNS . SENT The DT act NN regulates VVZ collection NN agencies NNS , , original JJ creditors NNS who WP set VVD up RP a DT separate JJ office NN to TO collect VV debts NNS , , and CC lawyers NNS hired VVN by IN the DT creditor NN to TO help VV collect VV overdue JJ bills NNS . SENT An DT original JJ creditor NN the DT company NN or CC individual NN that WDT originally RB granted VVD the DT credit NN is VBZ not RB covered VVN by IN the DT act NN , , but CC may MD be VB covered VVN by IN similar JJ measures NNS approved VVN by IN state NN governments NNS . SENT Fair NP Housing NP Act NP Landmark NN federal JJ law NN passed VVN in IN 1965 CD and CC amended VVN in IN 1988 CD that WDT makes VVZ it PP illegal JJ to TO deny VV rent NN or CC refuse VVP to TO sell VV to TO anyone NN based VVN on IN race NN , , color NN , , religion NN , , sex NN or CC national JJ origin NN . SENT The DT 1988 CD amendment NN expanded VVD the DT protections NNS to TO include VV family NN status NN and CC disability NN . SENT Fannie NP Mae NP The DT official JJ name NN of IN the DT Federal NP National NP Mortgage NP Association NP , , it PP is VBZ a DT congressionally RB chartered JJ , , shareholder NN owned VVD company NN that WDT buys VVZ mortgages NNS from IN lenders NNS and CC resells VVZ them PP as IN securities NNS on IN the DT secondary JJ mortgage NN market NN . SENT Farmer's NP Home NP Administration NP A NP U NP . SENT S NP . SENT Department NP of IN Agriculture NP agency NN that WDT provides VVZ credit NN to TO farmers NNS and CC rural JJ residents NNS . SENT Fascia NN A DT board NN that WDT connects VVZ the DT ends NNS of IN the DT roof NN rafters NNS and CC provides VVZ a DT surface NN to TO support VV gutters NNS . SENT Federal NP Home NP Loan NP Mortgage NP Corporation NP , , law NN The DT Federal NP Home NP Loan NP Mortgage NP Corporation NP , , commonly RB known VVN as IN Freddie NP Mac NP . SENT The DT company NN buys VVZ mortgages NNS from IN lending NN institutions NNS , , pools NNS them PP with IN other JJ loans NNS and CC then RB sells VVZ shares NNS to TO investors NNS . SENT Federal NP Housing NP Administration NP FHA NP This DT government NN agency NN operates VVZ a DT variety NN of IN home NN loan NN programs NNS . SENT Its PP$ most RBS popular JJ is VBZ the DT Sec NN . SENT 203 CD b SYM , , program NN , , which WDT provides VVZ low JJ rate NN mortgages NNS to TO buyers NNS who WP make VVP a DT down JJ payment NN as IN small JJ as IN 3 CD percent NN . SENT Federal NP National NP Mortgage NP Association NP Now RB officially RB dubbed VVN Fannie NP Mae NP , , this DT federally RB chartered JJ agency NN buys VVZ mortgages NNS from IN lending NN institutions NNS , , pools NNS them PP with IN other JJ loans NNS and CC sells VVZ shares NNS to TO investors NNS . SENT Federal NP Reserve NP Board NP A DT group NN of IN economists NNS and CC other JJ experts NNS who WP set VVD the DT nation's JJ monetary JJ policy NN . SENT Its PP$ chief JJ tool NN to TO control VV inflation NN is VBZ the DT power NN to TO control VV interest NN rates NNS . SENT Federal NP Trade NP Commission NP The DT government NN agency NN responsible JJ for IN regulating VVG a DT variety NN of IN companies NNS and CC industries NNS , , from IN credit NN bureaus NN and CC collection NN agencies NNS to TO timeshare NN operators NNS and CC certain JJ types NNS of IN creditors NNS . SENT National JJ headquarters NNS . SENT Sixth NP and CC Pennsylvania NP Avenue NP NW NP , , Washington NP , , D NP . SENT C SYM . SENT 20580 CD . SENT Phone NN . SENT 202 CD 326 CD 2222 CD . SENT Fee NN simple NN This DT type NN of IN ownership NN is VBZ the DT maximum JJ interest NN a DT person NN can MD have VH in IN a DT piece NN of IN real JJ estate NN . SENT It PP entitles VVZ the DT owner NN to TO use VV the DT property NN in IN any DT manner NN they PP see VVP fit NN , , in IN accordance NN with IN state NN and CC local JJ laws NNS . SENT Fee NN simple NN defeasible JJ The DT owner NN of IN the DT property NN holds VVZ a DT fee NN simple JJ title NN contingent NN upon IN certain JJ conditions NNS . SENT Federal JJ style NN The DT all DT American JJ home NN architecture NN style NN that WDT evolved VVD after IN the DT Revolutionary NP War NP . SENT Details NNS include VVP bigger JJR windows NNS and CC a DT front JJ doorway NN surrounded VVN by IN glass NN and CC topped VVD with IN an DT arched JJ window NN . SENT FHA NP loans NNS Mortgages NNS that WDT are VBP insured VVN by IN the DT Federal NP Housing NP Administration NP . SENT The DT FHA's NP 203 CD b SYM loan NN program NN provides VVZ low JJ rate NN mortgages NNS to TO buyers NNS who WP make VVP a DT down JJ payment NN as IN small JJ as IN 3 CD percent NN . SENT The DT agency NN also RB operates VVZ loan NN plans NNS for IN investors NNS and CC purchasers NNS of IN rural JJ property NN . SENT Feng NN shui NNS An DT ancient JJ Chinese JJ belief NN that IN the DT physical JJ characteristics NNS of IN a DT house NN and CC the DT positioning NN of IN the DT home NN will MD affect VV the DT fortunes NNS of IN the DT owner NN . SENT Fiduciary JJ duty NN The DT relationship NN of IN trust NN that IN buyers NNS and CC sellers NNS expect VVP from IN a DT real JJ estate NN agent NN . SENT The DT term NN also RB applies VVZ to TO legal JJ and CC business NN relationships NNS . SENT Field NN changes NNS Modifications NNS made VVN on IN the DT construction NN site NN that WDT do VVP not RB match VV blueprints NNS . SENT Fill VV dirt NN Soil NN brought VVD in IN to TO solidify VV a DT finished JJ foundation NN . SENT Filled VVN land NN An DT area NN where WRB the DT ground NN has VHZ been VBN raised VVN by IN adding VVG dirt NN , , gravel NN or CC other JJ fill NN material NN . SENT Finder's NP fee NN A DT fee NN in IN any DT amount NN that WDT is VBZ paid VVN to TO someone NN . SENT Finish VV grade NN A DT finish NN that WDT prepares VVZ a DT lot NN for IN landscaping VVG . SENT Fire NN wall NN A DT buffer NN composed VVN of IN fire NN resistant JJ material NN . SENT Firm NN commitment NN A DT promise NN made VVN by IN a DT lender NN when WRB it PP agrees VVZ to TO loan VV money NN for IN the DT purchase NN of IN property NN . SENT First JJ mortgage NN The DT primary JJ mortgage NN on IN a DT property NN that WDT has VHZ priority NN over IN all DT other JJ voluntary JJ liens NNS . SENT Fixed JJ installment NN The DT monthly JJ payment NN on IN a DT home NN loan NN . SENT Fixed JJ rate NN mortgage NN A DT home NN loan NN with IN an DT interest NN rate NN that WDT will MD remain VV at IN a DT specific JJ rate NN for IN the DT term NN of IN the DT loan NN . SENT About IN 75 CD percent NN of IN all DT home NN mortgages NNS have VHP fixed VVN rates NNS . SENT Fixed JJ time NN The DT specific JJ weeks NNS in IN a DT year NN an DT owner NN of IN a DT timeshare NN arrangement NN has VHZ access NN to TO accommodations NNS . SENT Fixer NN upper JJ A DT house NN that WDT needs VVZ refurbishment NN or CC remodeling VVG It PP usually RB sells VVZ at IN a DT below IN market NN price NN . SENT Fixture NN Personal JJ property NN permanently RB attached VVN to TO a DT house NN , , such JJ as IN drapery NN rods NNS , , toilets NNS , , built VVN in IN bookcases NNS or CC a DT furnace NN . SENT Flashing VVG Metal NP strips NNS placed VVN around IN chimneys NNS , , skylights NNS , , vents NNS , , windows NNS , , doors NNS , , beneath IN shingles NNS and CC along IN seams NNS in IN the DT roof NN to TO prevent VV water NN seepage NN . SENT Flat JJ fee NN A DT set NN fee NN charged VVN by IN a DT broker NN instead RB of IN a DT commission NN . SENT Flat JJ roof NN A DT roof NN with IN a DT level NN surface NN . SENT Floor NN area NN ratio NN The DT calculation NN of IN the DT floor NN area NN of IN all DT homes NNS or CC buildings NNS in IN a DT project NN . SENT It PP is VBZ used VVN in IN the DT planning NN and CC development NN of IN a DT site NN . SENT Float VV floor NN drain VV A DT drain NN that WDT diverts VVZ water NN from IN the DT basement NN to TO a DT collection NN area NN . SENT Water NN is VBZ then RB removed VVN with IN a DT sump NN pump NN . SENT Floating JJ wall NN Walls NP built VVD to TO withstand VV movement NN in IN the DT basement NN floor NN . SENT Flood NN insurance NN Hazard NP coverage NN that WDT is VBZ required VVN in IN designated VVN flood NN areas NNS . SENT Flood NN plain RB Flat JJ , , flood VV prone JJ areas NNS located VVN along IN waterways NNS . SENT Florida NP rooms NNS Enclosed VVN porches NNS built VVN on IN the DT side NN or CC back RB of IN a DT home NN . SENT Footings NNS Concrete JJ foundations NNS that WDT support VVP a DT structure NN . SENT Forbearance NN A DT course NN of IN action NN a DT lender NN may MD pursue VV to TO delay VV foreclosure NN or CC legal JJ action NN against IN a DT delinquent JJ borrower NN . SENT Foreclosure NN The DT legal JJ process NN reserved VVN by IN a DT lender NN to TO terminate VV the DT borrower's JJ interest NN in IN a DT property NN after IN a DT loan NN has VHZ been VBN defaulted VVN . SENT When WRB the DT process NN is VBZ completed VVN , , the DT lender NN may MD sell VV the DT property NN and CC keep VV the DT proceeds NNS to TO satisfy VV its PP$ mortgage NN and CC any DT legal JJ costs NNS . SENT Any DT excess JJ proceeds NNS may MD be VB used VVN to TO satisfy VV other JJ liens NNS or CC be VB returned VVN to TO the DT borrower NN . SENT Forfeiture NN The DT relinquishing VVG of IN property NN rights NNS by IN a DT delinquent JJ borrower NN . SENT For IN Sale NN By IN Owner NN FSBO NP The DT owner NN acts VVZ as IN the DT agent NN to TO avoid VV paying VVG a DT sales NNS commission NN . SENT Foundation NP The DT support NN structure NN of IN a DT house NN . SENT 401 CD k NN plans VVZ Financial JJ plans NNS that WDT allow VVP employees NNS to TO set VV aside RP tax NN deferred JJ income NN for IN retirement NN or CC emergency NN purposes NNS . SENT Foyer NN The DT entrance NN hall NN to TO a DT home NN or CC building NN . SENT Framing VVG The DT construction NN of IN the DT skeletal JJ framework NN of IN a DT house NN . SENT Freddie NP Mac NP The DT common JJ name NN for IN the DT Federal NP Home NP Loan NP Mortgage NP Corporation NP , , a DT congressionally RB chartered JJ institution NN that WDT buys VVZ mortgages NNS from IN lenders NNS and CC resells VVZ them PP as IN securities NNS on IN the DT secondary JJ mortgage NN market NN . SENT Free JJ market NN lots NNS Owners NNS of IN these DT types NNS of IN lots NNS may MD hire VV any DT builder NN to TO construct VV their PP$ home NN . SENT French JJ doors NNS Two CD adjoining JJ doors NNS inlaid VVN with IN glass NN that IN open JJ from IN the DT middle NN . SENT Frontage NN The DT portion NN of IN property NN that IN borders NNS a DT roadway NN or CC body NN of IN water NN . SENT Fully RB amortized VVN adjustable JJ rate NN mortgage NN A DT mortgage NN that WDT amortizes VVZ , , or CC pays VVZ down RP , , the DT balance NN of IN a DT loan NN . SENT Furnace NN An DT enclosed VVN heating NN device NN powered VVN by IN coal NN , , oil NN , , propane NN or CC natural JJ gas NN . SENT Fuse NN A DT device NN that WDT allows VVZ power NN to TO be VB channeled VVN into IN a DT home NN . SENT Gable NP A DT triangular JJ wall NN enclosed VVN by IN the DT sloping JJ ends NNS of IN a DT ridged VVN roof NN or CC a DT triangular JJ decorative JJ feature NN . SENT Gable NN roof NN A DT ridged VVN roof NN that WDT forms VVZ a DT triangle NN at IN each DT end NN . SENT Gag NN rules NNS A DT provision NN in IN contracts NNS signed VVN by IN new JJ buyers NNS that WDT prohibits VVZ the DT owners NNS from IN publicizing VVG complaints NNS about IN the DT builder NN . SENT Gambrel NN roof NN A DT roof NN with IN two CD slopes NNS , , often RB seen VVN on IN barns NNS . SENT General JJ contractor NN The DT person NN who WP hires VVZ all DT of IN the DT subcontractors NNS and CC suppliers NNS for IN a DT project NN . SENT General JJ plan NN A DT government's JJ long JJ range NN land NN use NN plan NN . SENT Georgian JJ style NN Popular NP throughout IN the DT 18 CD th NN century NN , , this DT type NN of IN architecture NN is VBZ distinguished VVN by IN a DT symmetrical JJ facade NN , , prominent JJ front NN entrance NN and CC quoins NNS decorative JJ blocks NNS of IN masonry NN or CC wood NN set VVN in IN the DT corners NNS of IN the DT house NN . SENT Geodesic JJ dome NN A DT structure NN constructed VVN of IN lightweight JJ bars NNS forming VVG a DT grid NN of IN polygons NNS . SENT Gift NN A DT cash NN gift NN a DT buyer NN receives VVZ from IN a DT relative JJ or CC other JJ source NN . SENT Lenders NNS usually RB require VVP a DT gift NN letter NN stating VVG that IN the DT money NN will MD not RB have VH to TO be VB repaid VVN . SENT Gingerbread NN decoration NN An DT intricate JJ , , almost RB lacy JJ , , wood NN trim JJ . SENT Girders NNS Crossbeams NNS that WDT support VVP floor NN joists NNS . SENT Good JJ faith NN estimate VVP An DT estimate NN from IN an DT institutional JJ lender NN that WDT shows VVZ the DT costs NNS a DT borrower NN will MD incur VV , , including VVG loan NN processing NN charges NNS and CC inspection NN fees NNS . SENT Government NP National NP Mortgage NP Association NP Commonly RB known VVN as IN Ginnie NP Mae NP , , this DT agency NN buys VVZ home NN loans NNS from IN lenders NNS , , pools NNS them PP with IN other JJ loans NNS and CC sells VVZ shares NNS to TO investors NNS . SENT Ginnie NP Mae NP differs VVZ from IN its PP$ cousins NNS , , Fannie NP Mae NP and CC Freddie NP Mac NP , , in IN that WDT it PP only RB purchases VVZ loans NNS backed VVN by IN the DT federal JJ government NN . SENT Grace NP period NN A DT specified JJ amount NN of IN time NN to TO make VV a DT loan NN payment NN after IN its PP$ due JJ date NN without IN penalty NN . SENT Grade NN The DT elevation NN of IN land NN above IN level NN ground NN . SENT Graduated VVN payment NN mortgage NN GPM NP A NP mortgage NN that WDT requires VVZ a DT borrower NN to TO make VV larger JJR monthly JJ payments NNS over IN the DT term NN of IN the DT loan NN . SENT The DT payment NN is VBZ unusually RB low JJ for IN the DT first JJ few JJ years NNS but CC gradually RB rises VVZ until IN year NN three CD or CC five CD , , then RB remains VVZ fixed VVN . SENT Grade NN level NN The DT flat JJ or CC sloping JJ surface NN upon IN which WDT a DT house NN is VBZ built VVN . SENT Granny NP flat JJ Slang NN term NN for IN a DT separate JJ unit NN in IN a DT house NN or CC above IN the DT garage NN , , which WDT in IN the DT past NN may MD have VH been VBN occupied VVN by IN an DT elderly JJ relative NN . SENT Grantee NN A DT person NN conveyed VVD an DT interest NN in IN a DT piece NN of IN property NN . SENT Grantor NP The DT person NN who WP conveys VVZ an DT interest NN in IN a DT piece NN of IN property NN to TO another DT person NN . SENT Greek JJ Revival NN style NN A DT style NN introduced VVN in IN the DT U NP . SENT S NP . SENT at IN the DT end NN of IN the DT 18 CD th NN century NN . SENT Its PP$ most RBS prominent JJ feature NN is VBZ a DT pillar NN anchored VVN pediment NN forming VVG a DT portico NN in IN the DT front NN of IN the DT house NN . SENT Greenbelt NP Any DT stretch NN of IN park NN , , open JJ space NN or CC other JJ natural JJ setting NN in IN a DT community NN . SENT Gross JJ income NN The DT total JJ income NN of IN a DT household NN before IN taxes NNS or CC expenses NNS are VBP subtracted VVN . SENT Ground NN fault NN circuit NN interrupter NN Devices NP that WDT detect VVP leakage NN of IN electrical JJ current JJ to TO the DT ground NN and CC prevent VV accidental JJ shock NN . SENT Ground NN rent NN The DT amount NN of IN money NN paid VVN for IN the DT use NN of IN a DT piece NN of IN property NN when WRB it PP is VBZ a DT leasehold NN estate NN . SENT Group NN home NN A DT single JJ family NN residence NN used VVN as IN a DT living VVG space NN for IN unrelated JJ , , developmentally RB disabled JJ or CC mentally RB disabled JJ people NNS . SENT Growing VVG equity NN mortgage NN A DT fixed JJ rate NN mortgage NN that WDT increases VVZ payments NNS over IN a DT specific JJ period NN of IN time NN . SENT The DT extra JJ funds NNS are VBP applied VVN to TO the DT principal NN . SENT Guarantee NN mortgage NN A DT loan NN guaranteed VVN by IN a DT third JJ party NN , , such JJ as IN a DT government NN institution NN . SENT Gutters VVZ Horizontal JJ channels NNS installed VVN at IN the DT edge NN of IN a DT roof NN to TO carry VV rainwater NN or CC melted VVD snow NN away RB from IN the DT house NN . SENT Half DT bath NN Also RB called VVD a DT powder NN room NN , , a DT half NN bath NN contains VVZ a DT toilet NN and CC a DT sink NN but CC no DT bathtub NN or CC shower VV stall NN . SENT Hazard NN insurance NN This DT provision NN of IN homeowners NNS insurance NN covers VVZ damage NN by IN fire NN , , wind NN or CC other JJ disaster NN . SENT It PP is VBZ required VVN by IN all DT lenders NNS before IN a DT loan NN is VBZ approved VVN . SENT Header NN Crossbeams NNS above IN windows NNS and CC doors NNS . SENT Heat NN pump VV An DT electric JJ cooling NN and CC heating NN system NN . SENT Hectare NN The DT equivalent NN of IN 2 CD . SENT 471 CD acres NNS . SENT High JJ density NN The DT concentration NN of IN housing NN units NNS in IN a DT specific JJ area NN or CC on IN a DT specific JJ property NN . SENT High JJ rise NN Any DT building NN higher JJR than IN six CD stories NNS . SENT Hip NN roof NN A DT pitched JJ roof NN with IN sloping JJ sides NNS . SENT Historic JJ preservation NN The DT physical JJ rehabilitation NN of IN a DT historic JJ home NN or CC building NN , , and CC the DT movement NN of IN the DT same JJ name NN begun VVN in IN the DT 1960 CD s PP in IN the DT U NP . SENT S NP . SENT to TO preserve VV and CC protect VV landmarks NNS and CC urban JJ neighborhoods NNS . SENT Historic JJ structure NN A DT home NN or CC building NN listed VVN in IN the DT National NP Register NP of IN Historic JJ Places NNS and CC certified VVN as IN historic JJ by IN the DT U NP . SENT S NP . SENT Secretary NN of IN the DT Interior NP . SENT Home NN equity NN conversion NN mortgage NN Loans NNS made VVD to TO older JJR owners NNS who WP want VVP to TO convert VV equity NN into IN money NN . SENT Because IN borrowers NNS are VBP qualified VVN on IN the DT basis NN of IN the DT value NN of IN their PP$ home NN , , e NN , , the DT loan NN is VBZ not RB the DT same JJ as IN a DT home NN equity NN loan NN . SENT Also RB known VVN as IN reverse JJ mortgages NNS . SENT Home NN equity NN loan NN A DT loan NN that WDT allows VVZ owners NNS to TO borrow VV against IN the DT equity NN in IN their PP$ homes NNS . SENT Home NN inspection NN An DT examination NN of IN a DT home's JJ construction NN , , condition NN and CC internal JJ systems NNS by IN an DT inspector NN or CC contractor NN prior RB to TO purchase VV . SENT Homeowners NNS association NN A DT group NN that WDT governs VVZ a DT modern JJ subdivision NN or CC planned JJ community NN . SENT An DT association NN collects VVZ monthly JJ fees NNS from IN all DT owners NNS to TO pay VV for IN maintenance NN of IN common JJ areas NNS , , handle VV legal JJ and CC safety NN issues NNS , , and CC enforce VV the DT covenants NNS , , conditions NNS and CC restrictions NNS set VVN by IN the DT developer NN . SENT Homeowners NNS insurance NN This DT insurance NN includes VVZ hazard NN coverage NN for IN any DT damages NNS that WDT may MD affect VV the DT value NN of IN a DT house NN , , in IN addition NN to TO personal JJ liability NN and CC theft NN coverage NN . SENT Homeowners NNS warranty NN Special JJ insurance NN policies NNS that WDT cover VVP certain JJ home NN repairs NNS for IN a DT specified JJ amount NN of IN time NN . SENT Home RB rule VV The DT power NN of IN a DT local JJ government NN to TO adopt VV its PP$ own JJ land NN use NN regulations NNS . SENT Homesteading VVG A DT document NN that WDT to RB protects VVZ some DT of IN a DT home's JJ equity NN from IN lawsuits NNS . SENT Home NN warranty NN A DT type NN of IN insurance NN that WDT covers VVZ repairs NNS to TO certain JJ parts NNS of IN a DT house NN and CC some DT fixtures NNS . SENT Hopper NN window NN A DT window NN that WDT contains VVZ a DT single JJ sash NN that WDT tilts VVZ inward RB . SENT Hose NN bibb NN A DT threaded VVN faucet NN connection NN for IN devices NNS such JJ as IN a DT washing NN machine NN . SENT Housing NN discrimination NN The DT illegal JJ practice NN of IN denying VVG an DT individual NN or CC group NN the DT right NN to TO buy VV or CC rent VV a DT home NN based VVN on IN race NN , , color NN , , religion NN , , national JJ origin NN , , sex NN , , disability NN or CC family NN status NN . SENT Housing NN expense NN ratio NN The DT percentage NN of IN gross JJ monthly JJ income NN devoted VVN to TO housing NN costs NNS . SENT House NP wrap NN A DT polyethylene NN barrier NN wrapped VVN around IN a DT house NN to TO save VV energy NN . SENT HUD NP 1 CD Uniform JJ Settlement NP Statement NN A DT closing NN statement NN or CC settlement NN sheet NN that WDT outlines VVZ all DT closing VVG costs NNS on IN a DT real JJ estate NN transaction NN or CC refinancing NN . SENT Impact NN fees NNS Fees NNS collected VVN from IN developers NNS of IN new JJ homes NNS to TO pay VV for IN schools NNS , , parks NNS and CC other JJ facilities NNS . SENT Implied JJ warranty NN of IN habitability NN Court NN cases NNS which WDT determined VVD that IN all DT new JJ homes NNS are VBP assumed VVN to TO be VB fit VVN for IN human JJ habitation NN and CC meet VV all DT building NN codes NNS . SENT Impounds VVZ A DT portion NN of IN the DT monthly JJ mortgage NN payment NN that WDT is VBZ placed VVN in IN an DT account NN and CC used VVN to TO pay VV for IN hazard NN insurance NN , , property NN taxes NNS and CC private JJ mortgage NN insurance NN . SENT Income NN property NN Property NN that WDT is VBZ not RB occupied VVN by IN the DT owner NN but CC is VBZ used VVN to TO generate VV income NN . SENT Incurable JJ defect NN A DT defect NN in IN a DT property NN that IN cannot NN be VB fixed VVN , , such JJ as IN an DT adjacent JJ hazardous JJ waste NN site NN , , or CC that WDT would MD cost VV too RB much JJ to TO repair VV relative JJ to TO the DT value NN of IN the DT property NN . SENT Index NP Financial NP tables NNS used VVN by IN lenders NNS to TO calculate VV interest NN rates NNS on IN adjustable JJ mortgages NNS and CC on IN Treasury NP bills NNS . SENT Individual NP Retirement NP Account NP Tax NP deferred JJ savings NN accounts NNS that WDT allow VVP people NNS to TO accrue VV retirement NN funds NNS . SENT In IN file NN credit NN report NN Computer NP generated VVD reports NNS drawn VVN from IN credit NN repositories NNS that WDT are VBP generally RB regarded VVN as IN objective JJ histories NNS . SENT Infill NN development NN Any DT significant JJ new JJ construction NN in IN an DT established JJ area NN . SENT Infill NN housing NN Home NN construction NN in IN established JJ areas NNS . SENT Inflation NN This DT event NN occurs VVZ when WRB there EX is VBZ more JJR money NN available JJ than IN there EX are VBP goods NNS and CC services NNS to TO be VB purchased VVN . SENT Mortgage NN rates NNS , , which WDT are VBP determined VVN by IN the DT marketplace NN and CC the DT actions NNS of IN the DT Federal NP Reserve NP Board NP and CC Wall NP Street NP , , are VBP sensitive JJ to TO inflation NN fears NNS . SENT Infrastructure NN The DT roads NNS , , schools NNS , , parks NNS , , utilities NNS , , bridges NNS and CC communications NNS systems NNS in IN a DT community NN . SENT Initial JJ interest NN rate NN The DT original JJ interest NN rate NN on IN an DT adjustable JJ mortgage NN . SENT Inspection NN report NN An DT examination NN of IN a DT home's JJ exterior NN , , foundation NN , , framing NN , , plumbing NN , , electrical JJ system NN , , heating NN , , air NN conditioning NN , , fireplace NN , , kitchen NN , , bathroom NN , , roofing NN and CC interior NN . SENT Installment JJ contract NN A DT purchase NN agreement NN in IN which WDT the DT buyer NN does VVZ not RB receive VV title NN to TO the DT property NN until IN all DT installments NNS are VBP paid VVN . SENT Insulation NN Materials NNS including VVG cellulose NN , , glass NN fiber NN , , rock NN wool NN , , polystyrene NN , , urethane NN foam NN and CC vermiculite NN that IN slow JJ heat NN loss NN . SENT Insurable JJ title NN Title NN to TO property NN that IN a DT company NN agrees VVZ to TO insure VV against IN defects NNS and CC disputes NNS . SENT Insurance NN Owners NNS and CC buyers NNS can MD purchase VV various JJ types NNS of IN insurance NN . SENT hazard NN , , private JJ mortgage NN and CC earthquake NN . SENT The DT policies NNS guarantee VVP compensation NN for IN specific JJ losses NNS . SENT Insurance NN binder NN A DT temporary JJ insurance NN arrangement NN usually RB put VVD in IN force NN until IN a DT permanent JJ policy NN can MD be VB obtained VVN . SENT Interest NN The DT fee NN borrowers NNS pay VVP to TO obtain VV a DT loan NN . SENT It PP is VBZ calculated VVN based VVN on IN a DT percentage NN of IN the DT total JJ loan NN . SENT Interest NN accrual NN rate NN The DT rate NN at IN which WDT interest NN accrues VVZ on IN a DT mortgage NN . SENT Interest NN only JJ loan NN The DT pays VVZ only RB the DT interest NN that WDT accrues VVZ on IN the DT loan NN balance NN each DT month NN . SENT Because IN each DT payment NN goes VVZ toward IN interest NN , , the DT outstanding JJ balance NN of IN the DT loan NN does VVZ not RB decline VV with IN each DT payment NN . SENT Interest NN rate NN The DT sum NN , , expressed VVN as IN a DT percentage NN , , charged VVN for IN a DT loan NN . SENT Interest NN payments NNS on IN most JJS home NN loans NNS are VBP tax NN deductible JJ . SENT Interest NN rate NN buy VV down RP plans NNS For IN cash NN short JJ buyers NNS , , some DT sellers NNS are VBP willing JJ to TO advance VV funds NNS from IN the DT sale NN of IN the DT home NN to TO buy VV down RP the DT interest NN rate NN and CC reduce VV the DT buyer's JJ monthly JJ obligation NN . SENT Interest NN rate NN caps NNS A DT limit NN on IN the DT amount NN that WDT can MD be VB charged VVN to TO the DT monthly JJ payment NN of IN an DT adjustable JJ rate NN mortgage NN during IN an DT adjustment NN period NN . SENT Interest NN rate NN ceiling NN The DT highest JJS interest NN a DT lender NN can MD charge VV for IN an DT adjustable JJ rate NN mortgage NN . SENT Investment NN property NN Real JJ estate NN that WDT generates VVZ income NN , , such JJ as IN an DT apartment NN building NN or CC a DT rental JJ house NN . SENT Jalousie NN window NN A DT window NN that WDT consists VVZ of IN vertical JJ rows NNS of IN horizontal JJ glass NN slats NNS that WDT operate VVP together RB by IN a DT crank JJ mechanism NN that WDT connects VVZ all PDT the DT slats NNS . SENT Joint JJ liability NN The DT responsibility NN of IN two CD or CC more JJR people NNS to TO fulfill VV the DT terms NNS of IN a DT home NN loan NN or CC debt NN . SENT Joint JJ tenancy NN Ownership NN by IN two CD or CC more JJR people NNS that WDT gives VVZ equal JJ shares NNS of IN a DT piece NN of IN property NN . SENT Rights NNS pass VVP to TO the DT surviving VVG owner NN or CC owners NNS . SENT Joist VV A DT floor NN or CC ceiling NN support NN member NN supported VVN by IN foundation NN walls NNS , , piers NNS or CC beams VVZ . SENT Subflooring NP is VBZ connected VVN to TO floor NN joists NNS . SENT Judgment NN The DT decision NN of IN a DT court NN or CC law NN . SENT If IN a DT court NN decides VVZ that IN a DT person NN must MD repay VV a DT debt NN , , a DT lien NN may MD be VB placed VVN against IN that DT person's JJ property NN . SENT Judicial JJ foreclosure NN A DT procedure NN to TO handle VV foreclosure NN proceedings NNS as IN civil JJ matters NNS . SENT Jumbo JJ mortgage NN Loans NNS that WDT exceed VVP limits NNS set VVN by IN Fannie NP Mae NP and CC Freddie NP Mac NP . SENT The DT current JJ limit NN is VBZ 214 CD , , 600 CD . SENT Junior JJ mortgage NN A DT loan NN that IN subordinate JJ to TO the DT primary JJ loan NN . SENT Kit NN home NN A DT structure NN that WDT contains VVZ prefabricated VVN components NNS and CC is VBZ put VVN together RB by IN a DT contractor NN . SENT Knee NN wall NN A DT wall NN like IN structure NN that WDT supports VVZ roof NN rafters NNS . SENT Knob NN and CC tube NN wiring NN An DT old JJ fashioned VVN wiring NN system NN that WDT has VHZ been VBN replaced VVN by IN fuses NNS and CC circuit NN breakers NNS . SENT Landscape NN A DT home's NNS surroundings NN can MD range VV from IN a DT shrub NN studded VVN emerald JJ lawn NN to TO a DT native JJ plant NN xeriscape NN . SENT It PP is VBZ a DT major JJ component NN of IN curb NN appeal NN . SENT Landscape NN architect NN A DT professional NN who WP holds VVZ a DT degree NN in IN landscape NN architecture NN , , which WDT involves VVZ training NN in IN horticulture NN , , landscape NN design NN and CC planning NN . SENT Landscape NN designer NN A DT landscape NN designer NN has VHZ training NN in IN horticulture NN and CC landscape NN planning NN , , but CC does VVZ not RB necessarily RB hold VV a DT degree NN . SENT Landscape NN contractor NN A DT professional NN who WP carries VVZ out RP the DT plans NNS of IN a DT landscape NN architect NN or CC a DT landscape NN designer NN . SENT Late JJ charge NN A DT fee NN a DT lender NN imposes VVZ on IN a DT borrower NN when WRB the DT borrower NN does VVZ not RB make VV a DT payment NN on IN time NN . SENT Late JJ payment NN A DT payment NN a DT lender NN receives VVZ after IN the DT due JJ date NN has VHZ passed VVN . SENT Latent JJ defect NN An DT invisible JJ problem NN in IN a DT piece NN of IN property NN such JJ as IN bad JJ wiring NN , , termite NN damage NN or CC lead NN paint NN . SENT Lead VV A DT metallic JJ chemical NN element NN present JJ in IN older JJR dwellings NNS , , primarily RB in IN the DT form NN of IN lead JJ based VVN paint NN and CC lead NN plumbing NN . SENT Exposure NN to TO lead VV has VHZ been VBN found VVN to TO be VB a DT health NN risk NN . SENT Lease VV A DT binding JJ agreement NN that WDT contains VVZ the DT terms NNS and CC conditions NNS of IN a DT renter's NN occupancy NN . SENT Leasehold NN estate NN An DT arrangement NN in IN which WDT the DT borrower NN does VVZ not RB own VV a DT specific JJ piece NN of IN property NN but CC possesses VVZ a DT long JJ term NN lease NN . SENT Lease NN option NN A DT lease NN that WDT contains VVZ the DT right NN to TO purchase VV the DT property NN for IN a DT specific JJ price NN within IN a DT certain JJ time NN frame NN . SENT Lender NN A DT bank NN , , savings NNS institution NN or CC mortgage NN company NN that WDT offers VVZ home NN loans NNS . SENT Legal JJ blemish NN Blemishes NNS on IN a DT piece NN of IN property NN , , such JJ as IN a DT zoning NN violation NN or CC fraudulent JJ title NN claim NN . SENT Legal JJ description NN A DT specific JJ way NN of IN identifying VVG and CC locating VVG a DT piece NN of IN real JJ estate NN that WDT is VBZ acceptable JJ to TO a DT court NN . SENT Letter NN of IN intent NN A DT formal JJ statement NN that IN the DT buyer NN intends VVZ to TO purchase VV the DT property NN for IN a DT certain JJ price NN on IN a DT certain JJ date NN . SENT Leverage VV The DT use NN of IN a DT small JJ amount NN of IN cash NN a DT 5 CD percent NN or CC 10 CD percent NN down IN payment NN to TO buy VV a DT piece NN of IN property NN . SENT Liabilities NNS A DT borrower's NN debts NNS and CC financial JJ obligations NNS . SENT Liability NN insurance NN A DT policy NN that WDT protects VVZ owners NNS against IN any DT claims NNS of IN negligence NN , , personal JJ injury NN or CC property NN damage NN . SENT Lien NN A DT claim NN laid VVN by IN one CD person NN or CC company NN on IN the DT property NN of IN another DT as IN security NN for IN money NN owed VVN . SENT Life NN cap NN A DT limit NN on IN the DT amount NN that IN a DT loan NN rate NN can MD move VV during IN the DT term NN of IN the DT mortgage NN . SENT For IN example NN , , the DT rate NN on IN an DT adjustable JJ rate NN mortgage NN that WDT begins VVZ at IN 5 CD percent NN and CC has VHZ a DT lifetime NN cap NN of IN 6 CD percentage NN points NNS cannot NN rise NN above IN 11 CD percent NN , , even RB if IN rates NNS on IN fixed JJ rate NN mortgages NNS soar VVP to TO 20 CD percent NN . SENT Life NN cycle NN cost NN analysis NN An DT analysis NN of IN a DT building NN project's NNS expected VVN operating NN , , maintenance NN and CC replacement NN costs NNS , , calculated VVN by IN an DT architect NN . SENT Limited JJ partnership NN Real JJ estate NN syndicates NNS and CC other JJ investment NN groups NNS use VVP this DT type NN of IN ownership NN . SENT . SENT A DT general JJ partner NN makes VVZ the DT group's NN investment NN decisions NNS , , oversees VVZ the DT investment NN and CC is VBZ principally RB liable JJ for IN any DT losses NNS . SENT Lintel NN A DT horizontal JJ piece NN over IN a DT door NN or CC window NN that WDT carries VVZ the DT weight NN of IN the DT structure NN above IN it PP . SENT Liquid JJ assets NNS Cash NN and CC all DT other JJ assets NNS that WDT can MD be VB converted VVN to TO cash VV relatively RB quickly RB . SENT Liquid JJ assets NNS can MD include VV money NN in IN savings NNS and CC checking NN accounts NNS , , money NN market NN accounts NNS , , and CC most JJS certificates NNS of IN deposit NN . SENT Liquidated VVN damages NNS When WRB a DT real JJ estate NN deal NN goes VVZ awry RB , , one CD party NN often RB is VBZ entitled VVN to TO liquidated VVN damages NNS , , a DT sum NN of IN money NN set VVN out RP in IN the DT purchase NN contract NN in IN that DT event NN . SENT Listing VVG A DT piece NN of IN property NN placed VVN on IN the DT market NN by IN a DT listing NN agent NN . SENT Listing NN inventories NNS The DT known VVN number NN of IN houses NNS for IN sale NN within IN a DT given VVN market NN . SENT Live VV in IN partnership NN An DT arrangement NN in IN which WDT two CD unrelated JJ people NNS purchase VVP a DT home NN . SENT Live JJ work NN space NN An DT officially RB designated VVN dwelling NN in IN which WDT the DT occupant NN conducts VVZ a DT home NN based VVN business NN or CC enterprise NN . SENT Load NN bearing NN wall NN A DT wall NN that WDT supports VVZ not RB only RB its PP$ own JJ weight NN , , but CC the DT weight NN of IN other JJ parts NNS of IN a DT home NN . SENT Also RB called VVN a DT bearing NN wall NN . SENT Loan NN application NN The DT first JJ step NN toward IN submitting VVG a DT home NN loan NN requires VVZ the DT borrower NN to TO itemize VV basic JJ financial JJ information NN . SENT Loan NN application NN fee NN A DT fee NN charged VVN by IN lenders NNS to TO for IN making VVG a DT loan NN application NN . SENT Loan NN commitment NN A DT promise NN by IN a DT lender NN or CC other JJ financial JJ institution NN to TO make VV or CC insure VV a DT loan NN for IN a DT specified JJ amount NN and CC on IN specific JJ terms NNS . SENT Loan NN officer NN An DT official JJ representative NN of IN a DT lending NN institution NN who WP is VBZ empowered VVN to TO act VV on IN behalf NN of IN the DT lender NN within IN certain JJ limits NNS . SENT Loan NN origination NN fee NN Most JJS lenders NNS charge VVP borrowers NNS an DT origination NN fee NN or CC points NNS for IN processing VVG a DT loan NN . SENT A DT point NN is VBZ 1 CD percent NN of IN the DT total JJ loan NN amount NN . SENT Loan NN processing NN fee NN A DT fee NN charged VVN by IN some DT lenders NNS for IN gathering VVG information NN to TO enable VV the DT lender NN to TO process VV the DT loan NN . SENT Loan NN term NN The DT amount NN of IN a DT time NN set VVN by IN the DT lender NN for IN a DT buyer NN to TO pay VV a DT mortgage NN . SENT Most RBS conventional JJ loans NNS have VHP 30 CD year NN or CC 15 CD year NN terms NNS . SENT Loan NN to TO value NN ratio NN A DT technical JJ measure NN used VVN by IN lenders NNS to TO assess VV the DT relationship NN of IN the DT loan NN amount NN to TO the DT value NN of IN the DT propertyLock NN in IN When WRB interest NN rates NNS are VBP volatile JJ , , many JJ borrowers NNS want VVP to TO lock VV in IN an DT interest NN rate NN and CC many JJ lenders NNS will MD oblige VV , , setting VVG a DT limit NN on IN the DT amount NN of IN time NN the DT lock NN in RB is VBZ in IN effect NN . SENT Loft NN A DT living VVG space NN not RB partitioned VVD into IN rooms NNS or CC a DT small JJ space NN built VVN above IN a DT larger JJR room NN . SENT Log NN cabin NN Homes NP constructed VVN of IN rough JJ hewn VVN timbers NNS and CC a DT standard JJ housing NN form NN in IN the DT early JJ European JJ settlement NN of IN the DT U NP . SENT S NP . SENT Low JJ ball NN offer NN An DT offer NN made VVD to TO a DT seller NN that WDT is VBZ substantially RB below IN market NN value NN . SENT The DT longer RBR a DT property NN stays VVZ on IN the DT market NN , , the DT more RBR likely RB there EX are VBP to TO be VB such JJ offers NNS . SENT Low JJ density NN A DT low JJ concentration NN of IN housing NN units NNS in IN a DT specific JJ area NN . SENT Low JJ documentation NN loan NN A DT mortgage NN that WDT requires VVZ only RB minimal JJ verification NN of IN income NN and CC assets NNS . SENT Low JJ down JJ payment NN loan NN A DT home NN loan NN that WDT requires VVZ the DT borrower NN to TO make VV only RB a DT small JJ down JJ payment NN before IN obtaining VVG the DT financing NN needed VVD to TO purchase VV a DT house NN . SENT Main JJ water NN shut VVN off IN valve NN The DT primary JJ valve NN that WDT halts VVZ the DT flow NN of IN water NN from IN the DT water NN meter NN into IN a DT home NN . SENT Mansard NN roof NN A DT roof NN with IN four CD sides NNS that DT slope NN upward RB from IN the DT roof NN edge NN to TO the DT square JJ peak NN . SENT Manufactured JJ housing NN Prefabricated VVD homes NNS that WDT can MD range VV from IN simple JJ trailers NNS to TO larger JJR dwellings NNS . SENT Mantel NP The NP facing VVG of IN stone NN , , marble NN or CC other JJ material NN around IN a DT fireplace NN . SENT Maintenance NN fee NN The DT monthly JJ assessment NN members NNS of IN a DT homeowners NNS association NN pay NN for IN the DT repair NN and CC maintenance NN of IN common JJ areas NNS . SENT Managed VVN competition NN lots NNS Lots NNS in IN which WDT buyers NNS choose VVP between IN one CD of IN several JJ builders NNS . SENT Margin NN The DT lender's JJ retail JJ markup NN on IN the DT mortgage NN . SENT For IN example NN , , if IN the DT index NN rate NN for IN an DT adjustable JJ rate NN mortgage NN is VBZ 5 CD percent NN but CC the DT lender NN has VHZ a DT 2 CD . SENT 5 CD percentage NN point NN margin NN , , the DT rate NN the DT borrower NN will MD pay VV is VBZ 7 CD . SENT 5 CD percent NN . SENT Market NN conditions NNS Factors NNS affecting VVG the DT sale NN and CC purchase NN of IN homes NNS at IN a DT particular JJ point NN in IN time NN . SENT Market NN value NN The DT price NN that IN a DT piece NN of IN property NN sells VVZ for IN at IN a DT particular JJ point NN in IN time NN . SENT Masonry NN The DT brick NN or CC stone NN work NN on IN a DT building NN . SENT Master NN planned VVD community NN A DT suburban JJ plan NN that WDT includes VVZ homes NNS and CC commercial JJ , , work NN , , educational JJ and CC community NN facilities NNS . SENT Maximum JJ financing NN A DT loan NN amount NN within IN 5 CD percent NN of IN the DT highest JJS loan NN to TO value NN ratio NN allowed VVN for IN a DT property NN . SENT Mechanical JJ systems NNS A DT home's NN plumbing NN , , wiring NN , , heating VVG and CC cooling VVG systems NNS . SENT Mechanic's NP lien NN Subcontractors NNS or CC suppliers NNS sometimes RB will MD file VV an DT encumbrance NN , , or CC mechanic's NNS lien NN , , against IN a DT property NN to TO seek VV payment NN . SENT Mediation NP A NP dispute NN resolution NN process NN in IN which WDT a DT neutral JJ party NN works VVZ to TO resolve VV contract NN differences NNS . SENT Median JJ price NN The DT price NN of IN the DT house NN that WDT falls VVZ in IN the DT middle NN of IN the DT total JJ number NN of IN homes NNS for IN sale NN in IN that DT area NN . SENT Merged JJ credit NN report VV A DT report NN that WDT draws VVZ information NN from IN the DT Big NP Three CD credit NN reporting NN companies NNS . SENT Equifax NP , , Experian NP and CC TransUnion NP Corp NP . SENT Metes NNS and CC bounds VVZ A DT time NN honored VVN land NN surveying VVG method NN of IN describing VVG land NN in IN terms NNS of IN shape NN and CC boundary NN dimensions NNS . SENT Mint NP condition NN Mint NP condition NN , , or CC blue JJ ribbon NN condition NN , , refers VVZ to TO a DT house NN that WDT looks VVZ as RB close VV to TO new JJ as IN possible JJ . SENT Mixed JJ income NN housing NN A DT neighborhood NN that WDT contains VVZ houses NNS of IN widely RB varying VVG prices NNS . SENT Mixed JJ use NN development NN A DT project NN that WDT combines VVZ several JJ different JJ functions NNS , , such JJ as IN residential JJ space NN above IN a DT commercial JJ establishment NN or CC an DT entire JJ development NN combining VVG commercial JJ , , residential JJ and CC public JJ accommodations NNS . SENT Modification NN A DT change NN in IN any DT of IN the DT terms NNS of IN the DT loan NN agreement NN . SENT Molding NN Decorative JJ trim JJ elements NNS applied VVN to TO walls NNS , , ceilings NNS , , and CC window NN and CC door NN openings NNS . SENT Money NN market NN account NN Accounts NNS that WDT work VVP like IN money NN market NN funds NNS and CC allow VV individual JJ investors NNS to TO participate VV in IN certain JJ managed VVN investments NNS and CC withdraw VV funds NNS under IN most JJS conditions NNS . SENT Money NN market NN funds NNS A DT mutual JJ fund NN that IN pools NNS the DT resources NNS of IN individuals NNS to TO invest VV in IN certain JJ managed JJ investments NNS . SENT Mortgage NN A DT legal JJ document NN specifying VVG a DT certain JJ amount NN of IN money NN to TO purchase VV a DT home NN at IN a DT certain JJ interest NN rate NN , , and CC using VVG the DT property NN as IN collateral NN . SENT Mortgagee NN A DT bank NN or CC other JJ financial JJ institution NN that WDT lends VVZ money NN to TO the DT borrower NN . SENT The DT borrower NN is VBZ considered VVN the DT mortgagor NN . SENT Mortgagor NN The DT person NN who WP borrows VVZ money NN to TO purchase VV a DT house NN . SENT The DT lender NN is VBZ called VVN the DT mortgagee NN . SENT Mortgage NN acceleration NN clause NN A DT clause NN which WDT allows VVZ a DT lender NN to TO demand VV that IN the DT entire JJ balance NN of IN the DT loan NN be VB repaid VVN in IN a DT lump NN sum NN under IN certain JJ circumstances NNS . SENT The DT acceleration NN clause NN is VBZ usually RB triggered VVN if IN the DT home NN is VBZ sold VVN , , title NN to TO the DT property NN is VBZ changed VVN , , the DT loan NN is VBZ refinanced VVN or CC the DT borrower NN defaults NNS on IN a DT scheduled VVN payment NN . SENT Mortgage NN banker NN A DT company NN that WDT provides VVZ home NN loans NNS using VVG its PP$ own JJ money NN . SENT The DT loans NNS are VBP usually RB sold VVN to TO investors NNS such JJ as IN insurance NN companies NNS and CC Fannie NP Mae NP . SENT Mortgage NN broker NN A DT company NN that WDT matches VVZ lenders NNS with IN prospective JJ borrowers NNS who WP meet VVP the DT lender's JJ criteria NNS . SENT The DT mortgage NN broker NN does VVZ not RB make VV the DT loan NN , , but CC receives VVZ payment NN from IN the DT lender NN for IN services NNS . SENT Mortgage NN insurance NN Required VVN by IN lenders NNS in IN some DT loans NNS to TO protect VV them PP from IN a DT possible JJ default NN . SENT All DT conventional JJ loans NNS with IN less JJR than IN a DT 20 CD percent NN down IN payments NNS require VVP private JJ mortgage NN insurance NN , , or CC PMI NP . SENT Mortgage NN interest NN deduction NN The DT tax NN write VV off RP that IN the DT Internal NP Revenue NP Service NP allows VVZ most JJS owners NNS to TO claim VV for IN the DT annual JJ interest NN payments NNS they PP make VVP on IN their PP$ real JJ estate NN loans NNS . SENT Mortgage NN life NN insurance NN A DT special JJ type NN of IN insurance NN that WDT will MD pay VV off RP a DT mortgage NN if IN the DT borrower NN dies VVZ before IN the DT debt NN is VBZ retired VVN . SENT Motivated JJ buyer NN Any DT buyer NN with IN a DT strong JJ incentive NN to TO make VV a DT purchase NN . SENT Motivated JJ seller NN Any DT seller NN with IN a DT strong JJ incentive NN to TO make VV a DT deal NN . SENT Move NN in IN condition NN A DT house NN that WDT is VBZ ready JJ for IN a DT new JJ occupant NN . SENT Move NN up IN buyer NN A DT buyer NN who WP has VHZ purchased VVN a DT home NN before RB and CC is VBZ looking VVG for IN a DT bigger JJR or CC more RBR expensive JJ home NN . SENT Mullion NN A DT vertical JJ dividing VVG bar NN between IN window NN lights NNS or CC panels NNS . SENT Multidwelling VVG property NN A DT property NN that WDT contains VVZ individual JJ units NNS for IN several JJ households NNS but CC carries VVZ only RB one CD mortgage NN . SENT Multifamily JJ mortgage NN A DT mortgage NN on IN a DT multifamily JJ dwelling NN with IN more JJR than IN four CD families NNS , , typically RB an DT apartment NN building NN . SENT Multiple JJ listing NN service NN MLS VVZ The DT service NN combines VVZ the DT listings NNS for IN all DT available JJ homes NNS in IN an DT area NN , , except IN For IN Sale NN By IN Owner NN FSBO NP properties NNS , , in IN one CD directory NN or CC database NN . SENT Multiple JJ offers NNS Multiple JJ purchase NN offers NNS occur VVP in IN hot JJ markets NNS or CC hot JJ neighborhoods NNS . SENT Municipal JJ housing NN inspector NN Inspectors NNS employed VVN by IN cities NNS or CC counties NNS to TO check VV all DT construction NN sites NNS and CC verify VV that DT contractors NNS are VBP meeting VVG building NN codes NNS . SENT Nail NN pops VVZ Nails NP in IN load NN bearing VVG parts NNS of IN new JJ homes NNS that WDT pop VVP out RP slightly RB because RB of IN settling VVG of IN the DT structure NN . SENT Needs NNS based VVN pricing VVG A DT seller's NNS asking VVG price NN that WDT is VBZ based VVN on IN factors NNS such JJ as IN the DT required VVN funds NNS to TO pay VV off RP the DT mortgage NN , , the DT cost NN of IN remodeling NN or CC the DT purchase NN of IN another DT house NN . SENT Negative JJ amortization NN The DT situation NN occurs VVZ when WRB a DT borrower's JJ monthly JJ payment NN is VBZ not RB large JJ enough RB to TO cover VV both CC the DT principal NN and CC interest NN of IN a DT loan NN . SENT As IN a DT result NN , , the DT outstanding JJ balance NN of IN the DT loan NN actually RB grows VVZ larger JJR with IN each DT payment NN rather RB than IN smaller JJR . SENT Most RBS fixed VVN rate NN loans NNS are VBP not RB subject JJ to TO negative JJ amortization NN , , but CC many JJ adjustable JJ rate NN mortgages NNS are VBP susceptible JJ . SENT Negative JJ slope NN driveway NN A DT driveway NN that WDT drops VVZ from IN street NN level NN to TO the DT garage NN . SENT Neo NP traditional JJ planning NN Planning NP of IN a DT community NN that WDT favors VVZ the DT return NN of IN new JJ home NN development NN with IN such JJ traditional JJ features NNS as IN grid NN street NN patterns NNS , , prominent JJ front NN porches NNS , , backyard NN garages NNS , , multi NNS use VVP buildings NNS and CC housing NN clustered VVN near IN commercial JJ service NN areas NNS . SENT Net JJ cash NN flow NN Investment NN property NN that WDT generates VVZ income NN after IN expenses NNS such JJ as IN principal NN , , interest NN , , taxes NNS and CC insurance NN are VBP subtracted VVN . SENT Net JJ worth IN The DT worth NN of IN a DT person NN or CC company NN based VVN on IN the DT difference NN between IN total JJ assets NNS and CC liabilities NNS . SENT New JJ Urbanism NN A DT community NN design NN philosophy NN that WDT favors VVZ the DT return NN of IN new JJ home NN development NN with IN such JJ traditional JJ features NNS as IN prominent JJ front JJ porches NNS , , backyard NN garages NNS , , multi NNS use VVP buildings NNS and CC housing NN clustered VVN near IN commercial JJ service NN areas NNS . SENT Niche NN A DT small JJ recessed VVN area NN in IN a DT wall NN , , traditionally RB arched JJ at IN the DT top NN . SENT NIMBY NP Not RB In IN My PP$ Back NP Yard NP The DT response NN sometimes RB given VVN by IN neighborhoods NNS and CC communities NNS to TO proposed VVN changes NNS or CC development NN . SENT No DT cash NN out RB refinance VV The DT amount NN of IN the DT new JJ mortgage NN covers VVZ the DT remaining JJ balance NN of IN the DT first JJ loan NN , , closing VVG costs NNS , , any DT liens NNS and CC cash NN no RB more JJR than IN 1 CD percent NN of IN the DT principal NN on IN the DT new JJ loan NN . SENT No DT competition NN lots NNS A DT lot NN in IN which WDT the DT buyer's NN home NN will MD be VB constructed VVN by IN a DT particular JJ builder NN . SENT No DT documentation NN loan NN A DT loan NN application NN that WDT does VVZ not RB require VV verification NN of IN income NN but CC typically RB is VBZ granted VVN in IN cases NNS of IN large JJ down JJ payments NNS . SENT Non JJ assumption NN clause NN A DT loan NN provision NN that WDT prohibits VVZ the DT transfer NN of IN a DT mortgage NN to TO another DT borrower NN without IN lender NN approval NN . SENT Non JJ liquid JJ asset NN An DT asset NN such JJ as IN a DT house NN that WDT is VBZ not RB easily RB turned VVN into IN cash NN . SENT Non JJ recurring VVG closing NN costs NNS Costs NNS that WDT are VBP one CD time NN only JJ fees NNS for IN such JJ items NNS as IN an DT appraisal NN , , loan NN points NNS , , credit NN report NN , , title NN insurance NN and CC a DT home NN inspection NN . SENT Note VV The DT legal JJ document NN that WDT requires VVZ a DT borrower NN to TO repay VV a DT mortgage NN at IN a DT certain JJ interest NN rate NN over IN a DT specified JJ period NN of IN time NN . SENT Note NN rate NN The DT interest NN rate NN specified VVN in IN a DT mortgage NN note NN . SENT Notice NN of IN default NN A DT lender's JJ initial JJ action NN when WRB a DT mortgage NN payment NN is VBZ late JJ and CC attempts VVZ to TO reconcile VV the DT issue NN out RP of IN court NN have VHP failed VVN . SENT Online JJ real JJ estate NN listings NNS Properties NP listed VVD for IN sale NN on IN the DT Internet NN . SENT Open JJ house NN A DT marketing NN tool NN in IN which WDT a DT listing NN agent NN opens VVZ a DT house NN for IN view NN . SENT Open JJ listing NN A DT property NN given VVN to TO a DT number NN of IN brokers NNS to TO market NN at IN the DT same JJ time NN . SENT Open JJ space NN Undeveloped JJ land NN or CC common JJ areas NNS in IN a DT planned JJ community NN reserved VVN for IN parks NNS , , walking VVG paths NNS or CC other JJ natural JJ uses NNS . SENT Option NN A DT situation NN in IN which WDT a DT buyer NN puts VVZ down RP money NN for IN the DT right NN to TO purchase VV a DT piece NN of IN real JJ estate NN within IN a DT set VVN time NN period NN but CC does VVZ not RB have VH an DT obligation NN to TO buy VV . SENT Oral JJ agreement NN Contractual JJ arrangements NNS that WDT are VBP not RB in IN writing NN and CC are VBP usually RB not RB legally RB binding JJ . SENT Original JJ principal JJ balance NN The DT amount NN of IN principal NN owed VVN on IN a DT loan NN before IN a DT borrower NN makes VVZ any DT payments NNS . SENT Origination NN fee NN A DT fee NN charged VVN by IN most JJS lenders NNS also RB called VVD points NNS for IN processing VVG a DT loan NN . SENT A DT point NN is VBZ 1 CD percent NN of IN the DT total JJ loan NN amount NN . SENT Overhang NN A DT protruding VVG structural JJ feature NN . SENT Owner NN financing VVG A DT transaction NN in IN which WDT the DT seller NN of IN a DT property NN agrees VVZ to TO finance VV all DT or CC part NN of IN the DT purchase NN . SENT Parcel VV An DT officially RB described VVN piece NN of IN land NN . SENT Partition VV An DT interior JJ wall NN . SENT Partnership NN There EX are VBP several JJ partnership NN options NNS for IN unmarried JJ individuals NNS to TO buy VV a DT piece NN of IN property NN , , such JJ as IN live JJ in IN partnerships NNS in IN which WDT both DT buyers NNS share NN the DT residence NN or CC a DT shared VVN equity NN partnership NN in IN which WDT one CD buyer NN lives NNS in IN the DT home NN and CC the DT other JJ is VBZ an DT investor NN in IN the DT property NN . SENT Passive JJ loss NN A DT tax NN term NN that WDT refers VVZ to TO any DT loss NN from IN a DT passive JJ activity NN , , such JJ as IN the DT ownership NN but CC not RB the DT operation NN of IN a DT piece NN of IN rental JJ real JJ estate NN . SENT Passive JJ solar JJ system NN A DT system NN that WDT supplies VVZ solar JJ heat NN without IN the DT use NN of IN electric JJ fans NNS or CC pumps NNS . SENT Patent NN defect NN A DT visible JJ deficiency NN in IN a DT piece NN of IN property NN , , such JJ as IN a DT cracked VVN basement NN slab NN or CC a DT sagging VVG porch NN . SENT Payment NN cap NN A DT legal JJ limit NN on IN the DT amount NN a DT monthly JJ payment NN can MD increase VV on IN an DT adjustable JJ rate NN mortgage NN . SENT Percolation NN test NN A DT test NN used VVN to TO determine VV the DT ability NN of IN soil NN to TO accommodate VV a DT septic JJ system NN . SENT Per IN diem NN interest NN Interest NN charged VVN or CC accrued VVN daily JJ . SENT Panel NN A DT section NN or CC division NN of IN a DT wall NN , , ceiling NN or CC a DT flat JJ piece NN of IN building NN material NN that WDT forms VVZ the DT part NN of IN the DT surface NN of IN a DT wall NN , , door NN or CC cabinet NN . SENT Paneling NN Strips NNS of IN wood NN or CC wood NN material NN applied VVN as IN a DT finish NN to TO a DT wall NN . SENT Parking NN strip NN The DT strip NN of IN grass NN between IN the DT sidewalk NN and CC the DT street NN in IN front NN of IN a DT house NN . SENT Partition VV Any DT kind NN of IN structure NN dividing VVG one CD room NN or CC space NN from IN another DT . SENT Patio NN An DT interior JJ courtyard NN or CC a DT paved JJ backyard NN area NN . SENT Perennial JJ Any DT plant NN that WDT produces VVZ leaves NNS , , flowers NNS and CC seeds NNS from IN year NN to TO year NN , , such JJ as IN irises NNS or CC peonies NNS . SENT Pergola NP An DT arbor NN with IN an DT open JJ roof NN of IN rafters NNS supported VVN by IN posts NNS or CC columns NNS . SENT Personal JJ property NN Any DT moveable JJ property NN in IN a DT house NN such JJ as IN furniture NN or CC appliances NNS . SENT Pest NN control NN inspection NN A DT common JJ pest NN control NN inspection NN is VBZ a DT termite NN inspection NN , , which WDT is VBZ required VVN in IN some DT states NNS , , such JJ as IN California NP . SENT Pier NN A DT rectangular JJ masonry NN support NN column NN . SENT PITI NP Principal NN , , Interest NP , , Taxes NNS , , Insurance NP When WRB a DT buyer NN applies VVZ for IN a DT loan NN , , the DT lender NN will MD calculate VV the DT principal NN , , interest NN , , taxes NNS and CC insurance NN . SENT The DT figure NN is VBZ designed VVN to TO represent VV the DT borrower's JJ actual JJ monthly JJ mortgage NN related VVN expenses NNS . SENT Planned JJ communities NNS The DT concept NN began VVD in IN the DT 19 CD th NN century NN and CC describes VVZ any DT town NN or CC neighborhood NN built VVN with IN certain JJ guidelines NNS and CC goals NNS . SENT Planned JJ unit NN development NN Residents NNS own VVP the DT home NN and CC the DT land NN , , and CC share VV the DT use NN and CC financial JJ responsibility NN for IN common JJ areas NNS . SENT Plaster NN A DT labor NN intensive JJ and CC more RBR costly JJ wall NN finish NN . SENT Pocket NN door NN A DT sliding VVG door NN that IN retreats NNS into IN the DT wall NN when WRB opened VVN . SENT Point NN Fees NNS charged VVN by IN lenders NNS at IN the DT time NN a DT loan NN is VBZ originated VVN . SENT A DT point NN is VBZ equal JJ to TO 1 CD percent NN of IN the DT total JJ loan NN amount NN . SENT Porch NN The DT structure NN can MD be VB a DT simple JJ covered JJ entrance NN to TO a DT home NN or CC a DT fully RB enclosed VVN room NN on IN the DT outside NN of IN a DT residence NN . SENT Porte NP cochere NN A DT porch NN like IN roof NN extending VVG over IN a DT driveway NN . SENT Portfolio NN lender NN A DT lender NN who WP makes VVZ loans NNS with IN its PP$ own JJ funds NNS and CC keeps VVZ the DT loans NNS on IN the DT company's JJ books NNS in IN other JJ words NNS , , inside IN the DT institution's NNS portfolio NN rather RB than IN selling VVG the DT loan NN on IN the DT secondary JJ market NN . SENT Portico NN A DT porch NN supported VVN by IN a DT row NN of IN columns NNS . SENT Possession NN When WRB a DT buyer NN signs VVZ the DT papers NNS and CC receives VVZ the DT keys NNS to TO the DT house NN , , the DT buyer NN officially RB takes VVZ possession NN . SENT Power NN of IN attorney NN A DT document NN that WDT authorizes VVZ an DT individual NN to TO act VV on IN behalf NN of IN someone NN else RB . SENT Pre NP approval NN letter NN A DT letter NN from IN a DT lender NN that WDT informs VVZ a DT seller NN about IN the DT amount NN of IN money NN that IN a DT potential JJ buyer NN can MD obtain VV . SENT Prepaid JJ expenses NNS The DT costs NNS for IN taxes NNS , , insurance NN and CC assessments NNS paid VVN before IN the DT due JJ date NN . SENT Prepaid JJ interest NN Interest NN paid VVN before IN it PP is VBZ due JJ . SENT For IN example NN , , at IN the DT close NN of IN a DT real JJ estate NN transaction NN borrowers NNS usually RB pay VVP for IN the DT interest NN on IN their PP$ loan NN that WDT falls VVZ between IN the DT closing NN period NN and CC the DT first JJ monthly JJ payment NN . SENT Prepayment NN penalty NN Lenders NNS can MD impose VV a DT penalty NN on IN a DT borrower NN who WP pays VVZ a DT loan NN off RP before IN its PP$ expected VVN end NN date NN . SENT Prequalification NP Many JJ lenders NNS will MD prequalify VV a DT borrower NN who WP is VBZ shopping VVG for IN a DT loan NN by IN completing VVG a DT preliminary JJ assessment NN of IN the DT buyer's JJ ability NN to TO pay VV for IN a DT home NN . SENT Pre NP sold VVD home NN Homes NP that WDT are VBP sold VVN before IN they PP are VBP built VVN . SENT Pressure NN relief NN valve NN A DT safety NN vent NN that WDT relieves VVZ excess JJ pressure NN in IN a DT water NN heater NN . SENT Price NN range VVP The DT range NN of IN how WRB much JJ a DT buyer NN is VBZ willing JJ to TO pay VV for IN a DT home NN . SENT Primer NP The DT initial JJ coat NN of IN paint NN that WDT is VBZ applied VVN before IN the DT final JJ topcoat NN . SENT Principal JJ The DT amount NN of IN money NN that IN the DT borrower NN owes VVZ on IN a DT mortgage NN . SENT Principle NN of IN conformity NN The DT idea NN that IN a DT house NN will MD more RBR likely RB appreciate VV in IN value NN if IN its PP$ size NN , , age NN , , condition NN and CC style NN are VBP similar JJ to TO , , or CC conform VVP to TO , , other JJ houses NNS in IN the DT neighborhood NN . SENT Principle NN of IN progression NN An DT appraisal NN term NN which WDT states VVZ that DT real JJ estate NN of IN lower JJR value NN is VBZ enhanced VVN by IN the DT proximity NN of IN higher JJR end NN properties NNS . SENT Principle NN of IN regression NN An DT appraisal NN term NN which WDT states VVZ that IN the DT value NN of IN higher JJR end NN real JJ estate NN can MD be VB brought VVN down RP by IN the DT proximity NN of IN too RB many JJ lower JJR end NN properties NNS . SENT Privacy NN fence NN A DT structure NN erected VVN between IN two CD pieces NNS of IN property NN . SENT Private JJ mortgage NN insurance NN PMI NP A DT special JJ type NN of IN loan NN insurance NN that IN many JJ lenders NNS require VVP borrowers NNS to TO purchase VV if IN the DT borrower's NNS down IN payment NN is VBZ less JJR than IN 20 CD percent NN of IN the DT home's JJ purchase NN price NN . SENT Probate NN sale NN A DT real JJ estate NN sale NN triggered VVN by IN the DT death NN of IN the DT owner NN , , with IN proceeds NNS to TO be VB divided VVN among IN heirs NNS or CC creditors NNS . SENT Production NN home NN Homes NP that WDT are VBP mass RB produced VVN by IN one CD builder NN in IN a DT project NN . SENT Programming VVG A DT written JJ summation NN by IN an DT architect NN of IN a DT project's JJ design NN objectives NNS , , constraints NNS and CC criteria NNS . SENT Project NN budget NN A DT fiscal JJ outline NN that WDT includes VVZ the DT construction NN budget NN and CC all DT costs NNS for IN land NN , , furniture NN , , equipment NN , , financing NN , , professional JJ services NNS , , contingencies NNS and CC owner NN furnished JJ goods NNS and CC services NNS . SENT Property NN line NN The DT official NN dividing VVG line NN between IN properties NNS . SENT Property NN report NN A DT disclosure NN issued VVN by IN the DT state NN when WRB a DT time NN share NN project NN is VBZ located VVN or CC sold VVN . SENT Property NN tax NN Property NN taxes NNS are VBP calculated VVN at IN about IN 1 CD . SENT 5 CD percent NN of IN the DT current JJ market NN value NN . SENT Property NN tax NN deduction NN The DT U NP . SENT S NP . SENT tax NN code NN allows VVZ homeowners NNS to TO deduct VV the DT amount NN they PP have VHP paid VVN in IN property NN taxes NNS . SENT Property NN value NN The DT value NN of IN a DT piece NN of IN property NN is VBZ based VVN on IN the DT price NN a DT buyer NN will MD pay VV at IN a DT certain JJ time NN . SENT Proration NN Agreed VVD upon IN percentages NNS of IN certain JJ expenses NNS associated VVN with IN a DT piece NN of IN property NN that WDT must MD be VB paid VVN by IN the DT buyer NN or CC the DT seller NN at IN the DT time NN of IN closing NN . SENT Punch NN list NN Buyers NNS compile VV a DT punch NN list NN during IN the DT final JJ walk NN through IN detailing VVG items NNS to TO be VB fixed VVN before IN closing NN . SENT Purchase NN agreement NN A DT document NN which WDT details NNS the DT purchase NN price NN and CC conditions NNS of IN the DT transaction NN . SENT Purchase NN money NN mortgage NN A DT mortgage NN that IN a DT borrower NN obtains VVZ to TO acquire VV a DT property NN . SENT Qualifying VVG ratios NNS Lenders NNS compute VV qualifying VVG ratios NNS to TO determine VV how WRB much JJ a DT potential JJ buyer NN can MD borrow VV . SENT Queen NP Anne NP style NN A DT Victorian JJ era NN style NN that WDT originated VVP in IN San NP Francisco NP . SENT Quit VV claim NN deed VV A DT document NN that WDT releases VVZ a DT party NN from IN any DT interest NN in IN a DT piece NN of IN real JJ estate NN . SENT R SYM value NN A DT construction NN term NN that WDT refers VVZ to TO the DT resistance NN of IN to TO heat VV loss NN . SENT The DT higher JJR the DT R NN value NN , , the DT slower JJR the DT rate NN of IN heat NN loss NN . SENT Radon NN A DT ground NN generated VVD radioactive JJ gas NN that WDT seeps VVZ into IN some DT homes NNS through IN sump NN pumps NNS , , cracks NNS in IN the DT foundation NN and CC other JJ inlets NNS . SENT A DT leading JJ cause NN of IN lung NN cancer NN , , radon NN is VBZ found VVN in IN mostly RB the DT northern JJ half NN of IN the DT country NN . SENT Rafter NN Rafters NNS form VVP the DT slope NN of IN a DT pitched JJ roof NN and CC are VBP analogous JJ to TO floor NN joists NNS . SENT Rammed VVD earth NN construction NN An DT alternative JJ building NN process NN in IN which WDT dirt NN is VBZ compacted VVN into IN large JJ structural JJ frames NNS to TO create VV walls NNS . SENT Ranch NP style NN Modern NP ranch NN style NN homes NNS , , popularized VVN in IN the DT 1950 CD s PP , , were VBD championed VVN by IN such JJ architectural JJ giants NNS as IN Frank NP Lloyd NP Wright NP . SENT Rate NN improvement NN mortgage NN A DT loan NN with IN a DT clause NN that WDT entitles VVZ a DT borrower NN to TO a DT one CD time NN cut NN in IN the DT interest NN rate NN without IN going VVG through IN refinancing NN . SENT Rate NN lock NN When WRB interest NN rates NNS are VBP volatile JJ , , many JJ borrowers NNS want VVP to TO lock VV in IN an DT interest NN rate NN and CC many JJ lenders NNS will MD oblige VV , , setting VVG a DT limit NN on IN the DT amount NN of IN time NN the DT guaranteed JJ interest NN rate NN is VBZ in IN effect NN . SENT Real JJ estate NN Land NN and CC anything NN permanently RB affixed VVD to TO it PP , , including VVG buildings NNS , , fences NNS and CC other JJ items NNS attached VVN to TO the DT structure NN . SENT Real JJ estate NN agent NN A DT real JJ estate NN agent NN has VHZ a DT state NN license NN to TO represent VV a DT buyer NN or CC a DT seller NN in IN a DT real JJ estate NN transaction NN in IN exchange NN for IN a DT commission NN . SENT Most JJS agents NNS work VVP for IN real JJ estate NN brokers NNS . SENT Real JJ estate NN attorney NN A DT lawyers NNS who WP specializes VVZ in IN real JJ estate NN transactions NNS . SENT Real JJ estate NN broker NN A DT real JJ estate NN agent NN who WP is VBZ licensed VVN by IN the DT state NN to TO represent VV a DT buyer NN or CC seller NN in IN a DT real JJ estate NN transaction NN in IN exchange NN for IN a DT commission NN . SENT Most JJS brokers NNS also RB have VHP agents NNS working VVG for IN them PP , , and CC are VBP entitled VVN to TO a DT portion NN of IN their PP$ commissions NNS . SENT Real JJ estate NN investment NN trusts VVZ REITs NNS The DT trusts NNS are VBP publicly RB traded VVN companies NNS that IN own JJ , , develop VV and CC operate VV commercial JJ properties NNS . SENT Real JJ Estate NP Settlement NP Procedures NNS Act NP RESPA NP A DT federal JJ law NN designed VVN to TO make VV sellers NNS and CC buyers NNS aware JJ of IN settlement NN fees NNS and CC other JJ transaction NN related VVN costs NNS . SENT RESPA NP also RB outlaws VVZ kickbacks NNS in IN the DT real JJ estate NN business NN . SENT Real JJ property NN Land NN and CC any DT permanent JJ fixtures NNS on IN it PP , , including VVG buildings NNS , , trees NNS and CC minerals NNS . SENT Realtist NN A DT designation NN for IN an DT agent NN or CC broker NN who WP is VBZ a DT member NN of IN the DT National NP Association NP of IN Real NP Estate NP Brokers NPS . SENT Realtor NN A DT designation NN for IN an DT agent NN or CC broker NN who WP is VBZ a DT member NN of IN the DT National NP Association NP of IN Realtors NNS . SENT Recission NN The DT cancellation NN of IN a DT contract NN by IN law NN or CC consent NN by IN the DT parties NNS involved VVD . SENT Reconveyance NN When WRB a DT borrower NN completely RB pays VVZ off RP the DT mortgage NN , , the DT property NN is VBZ reconveyed JJ to TO them PP from IN the DT lender NN . SENT Recorder NN A DT public JJ official NN responsible JJ for IN keeping VVG the DT records NNS of IN all DT real JJ estate NN transactions NNS . SENT Recording VVG The DT filing NN of IN a DT specific JJ document NN to TO the DT appropriate JJ government NN entity NN . SENT Recording NN fee NN A DT fee NN charged VVN by IN real JJ estate NN agents NNS for IN conveying VVG the DT sale NN of IN a DT piece NN of IN property NN into IN the DT public JJ record NN . SENT Redlining VVG The DT practice NN by IN a DT bank NN or CC insurance NN company NN to TO deny VV credit NN or CC insurance NN to TO people NNS based VVN on IN ethnic JJ background NN or CC neighborhood NN . SENT Refinancing VVG The DT process NN of IN replacing VVG an DT older JJR loan NN with IN a DT new JJ mortgage NN that WDT has VHZ better JJR terms NNS . SENT Regulation NP Z NP The DT federal JJ code NN issued VVN under IN the DT Truth NN in IN Lending NN Act NN which WDT requires VVZ that IN a DT borrower NN be VB advised VVN in IN writing VVG of IN all DT costs NNS associated VVN with IN the DT credit NN portion NN of IN a DT financial JJ transaction NN . SENT Rehabilitation NN mortgage NN A DT mortgage NN that WDT provides VVZ for IN the DT costs NNS of IN repairing VVG and CC improving VVG a DT resale NN home NN or CC building NN . SENT Relocation NN benefits NNS Benefits NP provided VVD by IN employers NNS for IN new JJ workers NNS and CC can MD include VV moving VVG costs NNS , , reimbursement NN for IN temporary JJ housing NN and CC transportation NN , , real JJ estate NN agent NN assistance NN and CC discounted JJ loans NNS . SENT Relocation NN company NN A DT firm NN that WDT administers VVZ all DT aspects NNS of IN moving VVG in IN new JJ employees NNS to TO the DT community NN . SENT Remaining VVG balance NN The DT amount NN of IN unpaid JJ principal NN on IN a DT home NN loan NN . SENT Remaining VVG term NN The DT original JJ loan NN term NN minus IN the DT number NN of IN payments NNS made VVD . SENT Renter's NP insurance NN A DT policy NN that WDT covers VVZ the DT replacement NN value NN of IN possessions NNS . SENT Rent NN loss NN insurance NN A DT policy NN that WDT covers VVZ any DT loss NN of IN rent NN or CC rental JJ value NN in IN the DT event NN of IN fire NN or CC other JJ damage NN that WDT renders VVZ the DT property NN uninhabitable JJ . SENT Repayment NN plan NN When WRB a DT borrower NN falls VVZ behind IN in IN mortgage NN payments NNS , , many JJ lenders NNS will MD negotiate VV a DT repayment NN plan NN rather RB than IN go VV to TO court NN . SENT Replacement NN reserve NN fund NN Money NN that WDT is VBZ set VVN aside RP from IN homeowners NNS assessments NNS to TO replace VV common JJ property NN , , such JJ as IN furniture NN in IN a DT planned JJ development's NN community NN room NN . SENT Repossession NN When WRB a DT house NN is VBZ repossessed JJ , , it PP is VBZ taken VVN back RB by IN the DT lender NN holding VVG the DT mortgage NN . SENT Resale NN value NN The DT future JJ value NN of IN a DT piece NN of IN property NN that WDT can MD be VB affected VVN by IN many JJ factors NNS , , including VVG the DT surrounding VVG neighborhood NN , , school NN scores NNS , , and CC economic JJ and CC housing NN market NN conditions NNS . SENT Reserve NP fund NN All DT homeowners NNS associations NNS set VVD aside RP a DT certain JJ amount NN of IN money NN for IN major JJ repairs NNS or CC improvements NNS . SENT Restructured VVN loan NN A DT mortgage NN in IN which WDT new JJ terms NNS are VBP negotiated VVN . SENT Return NN on IN investment NN The DT amount NN of IN profit NN a DT property NN generates VVZ . SENT Reverse JJ mortgage NN A DT special JJ type NN of IN loan NN available JJ to TO equity NN rich JJ , , older JJR owners NNS . SENT Repayment NN is VBZ not RB necessary JJ until IN the DT borrower NN sells VVZ the DT property NN or CC moves NNS into IN a DT retirement NN community NN . SENT Ridge NP board NN A DT horizontal JJ board NN that WDT serves VVZ as IN the DT apex NN of IN the DT roof NN structure NN . SENT Ridge VV vent VV A DT vent VV located VVN along IN the DT ridge NN board NN of IN the DT roof NN that WDT allows VVZ moisture NN to TO escape VV . SENT Right RB of IN first JJ refusal NN An DT agreement NN by IN a DT property NN owner NN to TO give VV another DT person NN the DT right NN to TO buy VV or CC rent VV the DT property NN before IN it PP goes VVZ on IN the DT open JJ market NN . SENT Right RB to TO recission NN A DT provision NN in IN the DT federal JJ Truth NN in IN Lending NN Act NN that WDT allows VVZ borrowers NNS to TO cancel VV certain JJ kinds NNS of IN loans NNS within IN three CD days NNS of IN signing NN . SENT Rough JJ in IN The DT installation NN of IN plumbing NN , , electrical JJ and CC other JJ mechanical JJ systems NNS . SENT Rural NP Housing NP Service NP A NP U NP . SENT S NP . SENT Department NP of IN Agriculture NP program NN that WDT provides VVZ financing NN to TO farmers NNS and CC certain JJ borrowers NNS to TO purchase VV rural JJ property NN when WRB other JJ funds NNS are VBP not RB available JJ . SENT Sale NN leaseback NN A DT transaction NN in IN which WDT the DT buyer NN leases VVZ back RB the DT property NN to TO the DT seller NN for IN a DT specified JJ period NN of IN time NN . SENT Sales NNS contract NN A DT contract NN signed VVN by IN the DT buyer NN and CC sellerthat NN details NNS the DT terms NNS of IN a DT home NN purchase NN . SENT Saltbox NN style NN A DT design NN that WDT dates VVZ to TO colonial JJ times NNS and CC takes VVZ its PP$ name NN from IN the DT shape NN of IN saltboxes NNS . SENT Sanitary JJ sewer NN The DT drain NN line NN in IN a DT house NN that WDT carries VVZ away RB food NN and CC human JJ wastewater NN to TO a DT municipal JJ sewer NN system NN or CC a DT septic JJ system NN . SENT Sash NN One CD of IN two CD windows NNS in IN a DT double JJ hung JJ window NN . SENT Schematic JJ designs NNS Renderings NNS of IN floor NN plans NNS and CC the DT exterior NN of IN a DT house NN . SENT Second JJ mortgage NN Another DT loan NN placed VVN upon IN a DT piece NN of IN property NN . SENT Secondary JJ mortgage NN market NN A DT market NN of IN packaged VVN home NN loans NNS that WDT are VBP resold VVN as IN securities NNS to TO investors NNS . SENT Major JJ players NNS are VBP Fannie NP Mae NP and CC Freddie NP Mac NP . SENT Secured JJ loan NN Any DT loan NN backed VVN by IN collateral NN . SENT Security NP Apiece RB of IN property NN designated VVN as IN collateral NN . SENT Seller NN broker NN A DT seller NN broker NN represents VVZ the DT interest NN of IN the DT seller NN . SENT Seller NN carry VVP back RB An DT agreement NN in IN which WDT the DT seller NN provides VVZ financing NN for IN a DT home NN purchase NN . SENT Seller NN take VV back RB An DT agreement NN in IN which WDT the DT seller NN provides VVZ financing NN for IN a DT home NN purchase NN . SENT Seller's NP market NN A DT hot JJ real JJ estate NN market NN in IN which WDT sellers NNS have VHP the DT advantage NN and CC multiple JJ offers NNS are VBP common JJ . SENT Semi NN custom NN home NN The DT buyer NN of IN a DT semi NN custom NN home NN is VBZ free JJ to TO make VV some DT design NN changes NNS but CC not RB to TO the DT home's JJ structural JJ plan NN . SENT Septic JJ system NN A DT self NN contained VVD sewage NN treatment NN system NN that WDT distributes VVZ wastewater NN to TO an DT underground JJ storage NN area NN and CC relies VVZ on IN bacterial JJ action NN to TO decompose VV solid JJ waste NN matter NN . SENT Servicer NN A DT firm NN that WDT collects VVZ mortgage NN payments NNS and CC manages VVZ borrowers NNS escrow NN accounts NNS . SENT Setback NN The DT minimum JJ distance NN a DT house NN or CC buildings NNS must MD be VB from IN the DT lot NN line NN . SENT Settlement NN statement NN A DT document NN that IN details NNS who WP has VHZ paid VVN what WP to TO whom WP . SENT Shared VVN appreciation NN mortgage NN A DT loan NN that WDT allows VVZ a DT lender NN or CC other JJ party NN to TO share NN in IN the DT borrower's JJ profits NNS when WRB the DT home NN is VBZ sold VVN . SENT Shared VVN equity NN transaction NN A DT transaction NN in IN which WDT two CD buyers NNS purchase VVP a DT property NN , , one CD as IN a DT resident JJ co NP owner NN and CC the DT other JJ as IN an DT investor NN co NP owner NN . SENT Shed VVN ceiling NN A DT shed VVN ceiling NN pitches NNS upward RB at IN one CD end NN . SENT Shed VVN roof NN A DT shed VVN roof NN pitches VVZ up RP longer JJR on IN one CD side NN than IN the DT other JJ . SENT Shingle NN style NN An DT alternative JJ style NN of IN Victorian JJ homes NNS that WDT evolved VVD in IN the DT late JJ 19 CD th NN century NN to TO simplify VV the DT complexity NN of IN the DT traditional JJ Victorian JJ house NN . SENT Shingles NP Thin NP , , wedge NN shaped JJ pieces NNS of IN wood NN or CC flat JJ rectangular JJ pieces NNS of IN slate NN , , mineral NN fiber NN , , glass NN fiber NN or CC composition NN asphalt NN installed VVN on IN a DT roof NN to TO prevent VV water NN seepage NN . SENT Shoe NN molding NN An DT unobtrusive JJ finish NN trim VV between IN the DT floor NN and CC the DT baseboard NN designed VVN to TO hide VV any DT irregularities NNS in IN the DT seam NN between IN the DT floor NN and CC wall NN or CC baseboard NN . SENT Sill NN plate NN A DT horizontal JJ piece NN of IN wood NN placed VVN on IN top NN of IN the DT foundation NN . SENT Sill NN cock NN An DT exterior NN threaded VVD faucet NN connection NN for IN garden NN hoses NNS that WDT provides VVZ water NN outside IN a DT home NN . SENT Skylight NN A DT window NN in IN a DT roof NN that WDT allows VVZ natural JJ light NN to TO illuminate VV a DT room NN . SENT Slab NN foundation NN A DT foundation NN built VVN directly RB on IN soil NN with IN no DT basement NN or CC crawl NN space NN . SENT Slider NP window NN A DT window NN that WDT is VBZ composed VVN of IN two CD windows NNS , , or CC sashes NNS , , that WDT glide VV open JJ and CC closed VVD on IN a DT metal NN track NN . SENT Soffit NN An DT external JJ area NN under IN the DT overhang NN of IN a DT roof NN . SENT Soils NNS test VVP A DT test NN of IN the DT subsoil NN to TO ensure VV that DT foundations NNS can MD be VB safely RB constructed VVN . SENT Spanish NP Mission NP style NN A DT design NN that WDT is VBZ derived VVN from IN the DT original JJ missions NNS established VVN by IN the DT Spanish JJ in IN the DT Southwest NN . SENT Special JJ assessment NN When WRB a DT homeowners NNS association NN needs VVZ or CC wants VVZ extra JJ funds NNS , , it PP levies VVZ a DT special JJ assessment NN upon IN the DT owners NNS . SENT Special JJ deposit NN account NN Rehabilitation NP mortgages NNS require VVP a DT special JJ deposit NN account NN from IN which WDT restoration NN and CC remodeling NN funds NNS included VVD in IN the DT loan NN are VBP disbursed VVN to TO the DT appropriate JJ contractors NNS as IN work NN is VBZ completed VVN . SENT Specifications NNS The DT written VVN requirements NNS for IN materials NNS , , equipment NN , , construction NN systems NNS and CC standards NNS . SENT Speculation NN home NN A DT home NN that WDT has VHZ been VBN built VVN without IN a DT buyer NN . SENT Splash VV block VV A DT slanted VVN block NN used VVN to TO divert VV runoff NN water NN from IN a DT downspout NN away RB from IN the DT foundation NN . SENT Split NN level NN style NN A DT home NN that WDT is VBZ a DT ranch NN style NN house NN stacked VVN to TO fit VV on IN a DT smaller JJR lot NN and CC perhaps RB to TO accommodate VV a DT garage NN . SENT Square JJ footage NN The DT number NN of IN square JJ feet NNS of IN livable JJ space NN in IN a DT home NN or CC building NN . SENT Standard NP Metropolitan NP Statistical NP Area NP Areas NNS designated VVN by IN the DT U NP . SENT S NP . SENT Office NN of IN Management NP and CC Budget NP that WDT contain VVP a DT city NN of IN 50 CD , , 000 CD or CC more JJR . SENT Standard JJ payment NN calculation NN A DT calculation NN that WDT is VBZ used VVN to TO determine VV the DT monthly JJ payment NN necessary JJ to TO repay VV the DT balance NN of IN a DT home NN loan NN in IN equal JJ installments NNS . SENT Starter JJ home NN Homes NP that IN fall NN within IN the DT lower JJR price NN range NN of IN a DT typical JJ first JJ time NN buyer NN . SENT Steel NN framing VVG A DT construction NN method NN used VVN by IN commercial JJ and CC residential JJ builders NNS . SENT Step NN rate NN mortgage NN A DT loan NN that WDT allows VVZ a DT gradual JJ increase NN in IN the DT interest NN rate NN during IN the DT first JJ few JJ years NNS of IN the DT loan NN . SENT Storm NN sewer NN A DT drain NN line NN , , which WDT is VBZ not RB connected VVN to TO the DT sewer NN line NN , , removes VVZ all DT other JJ wastewater NN from IN a DT home NN . SENT Storm NN windows NNS Sets VVZ of IN windows NNS and CC screens NNS that WDT are VBP installed VVN on IN older JJR double JJ hung JJ windows NNS . SENT Strike NN plate NN The DT metal NN part NN of IN a DT lock NN that WDT is VBZ anchored VVN to TO the DT doorframe NN and CC holds VVZ the DT door NN closed VVD . SENT Straight RB purchase VV A DT transaction NN in IN which WDT the DT buyer NN gives VVZ a DT new JJ home NN builder NN a DT deposit NN to TO begin VV building NN and CC the DT balance NN when WRB the DT sale NN of IN the DT house NN closes VVZ . SENT Stucco NN A DT mixture NN of IN sand NN and CC cement NN used VVN to TO cover VV the DT exterior JJ surface NN or CC interior JJ walls NNS of IN a DT home NN or CC building NN . SENT Studs VVZ The DT upright JJ pieces NNS of IN lumber NN or CC steel NN in IN a DT wall NN to TO which WDT panels NNS , , siding NN , , drywall NN or CC other JJ coverings NNS are VBP attached VVN . SENT Subagent NP When WRB an DT agent NN brings VVZ a DT buyer NN to TO a DT property NN , , they PP in IN effect NN act NN as IN a DT subagent NN to TO the DT listing NN agent NN . SENT Subcontractor NN Specialty NN construction NN companies NNS hired VVN by IN the DT general JJ contractor NN to TO perform VV certain JJ tasks NNS . SENT Subdivision NN The DT process NN in IN which WDT the DT owner NN of IN a DT large JJ piece NN of IN property NN divides VVZ it PP into IN smaller JJR parcels NNS . SENT Sub NP flooring NN The DT sheathing NN , , usually RB made VVN of IN plywood NN , , placed VVN on IN top NN of IN floor NN joists NNS and CC covered VVN by IN flooring NN . SENT Subordinate JJ loan NN A DT second JJ or CC third JJ mortgage NN . SENT Sump NN pump VV A DT pump NN that WDT moves VVZ water NN from IN a DT basement NN sump NN pit NN . SENT Survey VV A DT precise JJ measurement NN of IN a DT piece NN of IN property NN by IN a DT licensed JJ surveyor NN . SENT Sweat NN equity NN The DT non JJ cash NN value NN put VVN into IN a DT piece NN of IN property NN by IN the DT owner NN , , such JJ as RB do VVP it PP yourself PP home NN improvements NNS . SENT Tap VV fees NNS Most JJS companies NNS charge VVP a DT tap VV fee NN for IN hooking VVG up RP utilities NNS . SENT Tax NN deduction NN A DT tax NN break NN given VVN by IN the DT government NN . SENT Mortgage NN interest NN , , loan NN points NNS and CC property NN taxes NNS can MD be VB deducted VVN . SENT Tax NN lien NN An DT impediment NN placed VVN against IN a DT property NN , , such JJ as IN back JJ taxes NNS . SENT Tax NN sale NN The DT public JJ sale NN of IN a DT property NN by IN the DT government NN for IN nonpayment NN of IN taxes NNS . SENT Tax NN shelter NN A DT term NN often RB applied VVN to TO real JJ estate NN investment NN and CC refers VVZ to TO various JJ tax NN advantages NNS . SENT Tear VV down RP condition NN A DT house NN that WDT requires VVZ the DT entire JJ interior NN to TO be VB rebuilt VVD . SENT Teaser NN rate NN An DT low JJ , , short JJ term NN rate NN offered VVN on IN a DT mortgage NN to TO entice VV the DT borrower NN . SENT Tenancy NN by IN the DT entirety NN When WRB a DT married JJ couple NN owns VVZ a DT home NN , , it PP is VBZ usually RB considered VVN tenancy NN by IN the DT entirety NN If IN the DT property NN must MD be VB sold VVN to TO pay VV the DT debts NNS of IN one CD spouse NN , , both CC must MD agree VV . SENT Tenants NNS in IN common JJ Two CD or CC more JJR owners NNS who WP share NN interest NN in IN a DT specific JJ property NN . SENT Terrace NP A NP terrace NN can MD be VB several JJ things NNS . SENT an DT unroofed JJ paved JJ area NN right RB next JJ to TO a DT house NN . SENT a DT roofed VVN balcony NN . SENT a DT veranda NN . SENT or CC a DT raised VVN bed NN of IN earth NN constructed VVN to TO enhance VV a DT landscape NN . SENT The DT 72 CD hour NN clause NN When WRB a DT buyer NN has VHZ a DT house NN to TO sell VV before IN they PP can MD purchase VV another DT home NN , , most JJS sellers NNS insist VVP on IN a DT 72 CD hour NN clause NN . SENT In IN the DT event NN of IN a DT better JJR offer NN coming VVG in IN before IN the DT contingency NN is VBZ settled VVN , , this DT clause NN entitles VVZ the DT seller NN to TO give VV the DT buyer NN 72 CD hours NNS to TO remove VV the DT contingency NN or CC lose VV the DT house NN . SENT Third JJ party NN origination NN In IN a DT third JJ party NN origination NN transaction NN , , the DT lender NN has VHZ another DT institution NN originate VV all DT or CC part NN of IN a DT mortgage NN . SENT Timeshare NP Ownership NP that WDT involves VVZ the DT acquisition NN of IN a DT specific JJ period NN of IN time NN , , or CC that DT percentage NN of IN interest NN , , in IN a DT vacation NN home NN or CC resort NN . SENT Title NN The DT actual JJ legal JJ document NN conferring VVG ownership NN of IN a DT piece NN of IN real JJ estate NN . SENT Title NN company NN Firms NNS that WDT ensure VVP that IN the DT title NN to TO a DT piece NN of IN property NN is VBZ clear JJ and CC provide VV title NN insurance NN . SENT Title NN insurance NN A DT policy NN issued VVN to TO lenders NNS and CC buyers NNS to TO protect VV any DT losses NNS because IN of IN a DT dispute NN over IN the DT ownership NN of IN a DT piece NN of IN property NN . SENT Title NN risk NN Possible JJ impediments NNS to TO the DT transfer NN of IN a DT title NN from IN one CD owner NN to TO another DT . SENT Title NN search NN A DT check NN of IN public JJ title NN records NNS to TO ascertain VV that IN the DT seller NN is VBZ the DT legal JJ owner NN and CC that IN there EX are VBP no DT claims NNS or CC liens NNS against IN the DT property NN . SENT Top JJ producer NN A DT real JJ state NN industry NN term NN that WDT refers VVZ to TO agents NNS and CC brokers NNS who WP sell VVP a DT high JJ volume NN of IN homes NNS . SENT Top JJ soil NN The DT top JJ layer NN of IN soil NN that WDT is VBZ removed VVN when WRB lots NNS are VBP graded VVN in IN preparation NN for IN construction NN . SENT Total JJ expense NN ratio NN The DT percentage NN of IN monthly JJ debt NN obligations NNS relative JJ to TO gross JJ monthly JJ income NN . SENT Townhouse NN An DT attached VVN home NN that WDT is VBZ not RB a DT condominium NN . SENT Tract NN home NN Another DT term NN for IN a DT production NN home NN , , a DT mass NN produced VVD house NN constructed VVN by IN one CD builder NN in IN a DT project NN . SENT Trade NN equity NN Other JJ real JJ estate NN or CC assets NNS a DT buyer NN gives VVZ to TO a DT seller NN as IN part NN of IN the DT down JJ payment NN . SENT Trading VVG down RP A DT reference NN to TO buyers NNS who WP purchase VVP a DT home NN that WDT is VBZ less RBR expensive JJ than IN their PP$ current JJ house NN . SENT Trading VVG up RP A DT reference NN to TO buyers NNS who WP purchase VVP a DT home NN that WDT is VBZ more RBR expensive JJ home NN than IN their PP$ current JJ house NN . SENT Transfer NN of IN ownership NN Any DT legal JJ means NN by IN which WDT a DT piece NN of IN real JJ estate NN changes NNS hands NNS . SENT Transfer NN tax NN An DT assessment NN by IN state NN or CC local JJ authorities NNS at IN the DT time NN a DT piece NN of IN property NN changes NNS hands NNS . SENT Transom NN A DT small JJ hinged VVN window NN directly RB above IN a DT door NN . SENT Trans NP Union NP Trans NP Union NP Corp NP . SENT is VBZ one CD of IN the DT Big NP Three CD credit NN reporting VVG bureaus NNS that WDT operate VVP nationwide JJ . SENT Address VV . SENT 760 CD Sproul NP Road NP , , P NN . SENT O NN . SENT Box NP 390 CD , , Springfield NP , , PA NN 19064 CD 0390 CD . SENT Phone NN . SENT 312 CD 408 CD 1400 CD . SENT Tray NN ceiling NN A DT tray NN ceiling NN has VHZ edges NNS that IN slant NN toward IN the DT middle NN from IN the DT walls NNS . SENT Treasury NP bills NNS Securities NNS issued VVN by IN the DT Treasury NP Department NP that WDT have VHP the DT full JJ backing NN of IN the DT U NP . SENT S NP . SENT government NN . SENT Treasury NP index NN An DT index NN used VVN to TO determine VV interest NN rate NN changes NNS for IN adjustable JJ rate NN mortgages NNS . SENT Trellis VV A DT decorative JJ landscape NN structure NN made VVN of IN thin JJ strips NNS of IN wood NN or CC plastic NN . SENT Trim VV work VV The DT finishing VVG of IN doors NNS , , doorways NNS , , window NN frames NNS and CC floors NNS . SENT Truss NP A NP prefabricated VVD framework NN of IN girders NNS , , struts NNS and CC other JJ items NNS used VVN to TO support VV a DT roof NN or CC other JJ load NN bearing NN elements NNS . SENT Trust NP account VVP Special JJ accounts NNS used VVN by IN brokers NNS and CC escrow NN agents NNS to TO safeguard VV funds NNS for IN a DT buyer NN or CC seller NN . SENT Trustee NN A DT legally RB empowered VVN person NN who WP holds VVZ or CC controls VVZ a DT piece NN of IN property NN for IN another DT person NN . SENT Truth NN in IN Lending VVG Act NP A DT federal JJ law NN that WDT protects VVZ consumers NNS in IN a DT variety NN of IN ways NNS . SENT One CD of IN its PP$ key JJ provisions NNS allows VVZ a DT consumer NN to TO cancel VV a DT home NN improvement NN loan NN , , second JJ mortgage NN or CC other JJ loan NN if IN the DT home NN was VBD pledged VVN as IN security NN except IN for IN a DT first JJ mortgage NN or CC first JJ trust NN deed NN until IN midnight NN of IN the DT third JJ business NN day NN after IN the DT contract NN was VBD signed VVN . SENT Tuck VV point VV The DT process NN of IN removing VVG old JJ mortar NN from IN between IN bricks NNS and CC replacing VVG it PP with IN new JJ mortar NN . SENT Two CD step NN mortgage NN An DT adjustable JJ mortgage NN with IN two CD interest NN rates NNS , , one CD for IN the DT first JJ five CD or CC seven CD years NNS of IN the DT loan NN , , and CC the DT other JJ for IN the DT remainder NN of IN the DT loan NN term NN . SENT Two CD to TO four CD family NN property NN A DT piece NN of IN property NN that WDT is VBZ owned VVN by IN one CD person NN but CC provides VVZ housing NN for IN up RB to TO four CD households NNS . SENT Underlayment NN A DT layer NN of IN wood NN between IN the DT subfloor NN and CC the DT floor NN . SENT Underwriting VVG The DT process NN that IN lenders NNS go VVP through RP to TO evaluate VV the DT risks NNS posed VVN by IN a DT particular JJ borrower NN and CC to TO set VV appropriate JJ conditions NNS for IN the DT loan NN . SENT Undisclosed JJ heir NN A DT person NN who WP claims VVZ the DT right NN to TO a DT piece NN of IN property NN after IN the DT death NN of IN an DT owner NN without IN a DT will NN . SENT Undisclosed JJ spouse NN An DT unidentified JJ marital JJ partner NN who WP can MD claim VV the DT right NN to TO a DT piece NN of IN property NN . SENT Unrecorded JJ deed NN An DT unrecorded JJ deed NN transfers NNS ownership NN from IN one CD party NN to TO another DT without IN being VBG officially RB recorded VVN . SENT U NP . SENT S NP . SENT Department NP . SENT of IN Housing NP and CC Urban NP Development NP HUD NP A DT federal JJ agency NN that WDT oversees VVZ the DT Federal NP Housing NP Administration NP and CC a DT variety NN of IN housing NN and CC community NN development NN programs NNS . SENT Unsecured JJ loan NN Any DT loan NN that WDT is VBZ not RB backed VVN by IN collateral NN . SENT Upgrades NNS Options NNS than IN the DT standard JJ carpeting NN , , lighting VVG , , finish VV carpentry NN and CC other JJ amenities NNS offered VVN to TO all DT buyers NNS in IN a DT new JJ home NN project NN . SENT Upzoning VVG The DT process NN in IN which WDT a DT property NN is VBZ zoned VVN from IN a DT lower JJR to TO a DT higher JJR use NN . SENT Urban JJ sprawl NN The DT unplanned JJ expansion NN of IN development NN over IN a DT large JJ area NN . SENT Usury NN A DT reference NN to TO illegally RB excessive JJ interest NN charged VVN on IN any DT loan NN . SENT Variable JJ interest NN rate NN A DT loan NN rate NN that WDT moves VVZ up RP and CC down RB based VVN on IN factors NNS including VVG changes NNS in IN the DT rate NN paid VVN on IN bank NN certificates NNS of IN deposit NN or CC Treasury NN bills NNS . SENT Variable JJ rate NN mortgage NN A DT loan NN with IN an DT interest NN rate NN that WDT hinges VVZ on IN factors NNS such JJ as IN the DT rate NN paid VVN on IN bank NN certificates NNS and CC Treasury NN bills NNS . SENT Variable JJ rate NN An DT interest NN rate NN that IN changes NNS with IN fluctuations NNS in IN such JJ indexes NNS as IN the DT U NP . SENT S NP . SENT Treasury NP bill NN index NN . SENT Vaulted VVN ceiling NN An DT elongated VVN half NN cylinder NN that WDT arches VVZ above IN the DT floor NN . SENT Verification NN of IN deposit NN Part NN of IN the DT loan NN process NN , , in IN which WDT a DT lender NN will MD ask VV a DT borrower's JJ bank NN to TO sign VV a DT statement NN verifying VVG the DT borrower's NNS account VVP balances NNS and CC history NN . SENT Verification NN of IN employment NN Part NN of IN the DT loan NN process NN , , in IN which WDT a DT lender NN asks VVZ the DT borrower's JJ employer NN for IN confirmation NN of IN the DT borrower's JJ position NN and CC salary NN . SENT Vestibule NN A DT small JJ entrance NN hall NN or CC room NN . SENT Veterans NP Administration NP VA NP The NP U NP . SENT S NP . SENT Department NP of IN Veterans NP Affairs NPS operates VVZ a DT variety NN of IN programs NNS to TO help VV veterans NNS . SENT One CD of IN the DT key NN plans VVZ it PP oversees VVZ is VBZ the DT VA NP loan NN program NN , , which WDT allows VVZ most JJS veterans NNS to TO purchase VV a DT house NN without IN a DT down JJ payment NN . SENT Victorian JJ style NN An DT architectural JJ style NN that WDT dates VVZ from IN the DT mid JJ 19 CD th NN century NN . SENT Vinyl NN clad JJ windows NNS Wood NP windows NNS sheathed VVD in IN vinyl NN on IN the DT outside NN . SENT Voluntary JJ lien NN A DT lien NN that IN a DT homeowner NN willingly RB gives VVZ to TO a DT lender NN . SENT VA NP loans NNS A DT program NN that WDT allows VVZ most JJS veterans NNS to TO purchase VV a DT house NN without IN a DT down JJ payment NN . SENT Wainscoting VVG Wood NP paneling NN , , tongue NN and CC groove NN boards NNS or CC similar JJ material NN installed VVN between IN a DT baseboard NN and CC a DT chair NN rail NN . SENT Waiver NN A DT voluntary JJ relinquishing VVG of IN certain JJ rights NNS or CC claims NNS . SENT Walk VV out IN basement NN A DT feature NN that WDT allows VVZ a DT door NN to TO open VV onto IN ground NN level NN . SENT Walk VV through IN A DT buyer's JJ final JJ inspection NN of IN the DT home NN to TO determine VV if IN conditions NNS in IN the DT purchase NN agreement NN have VHP been VBN satisfied VVN . SENT Warranty NN A DT legally RB binding JJ promise NN to TO do VV something NN in IN the DT future NN . SENT Wetlands NNS Watery JJ areas NNS such JJ as IN swamps NNS , , marshes NNS and CC floodplains NNS . SENT Wild JJ deed NN An DT improperly RB recorded VVN deed NN . SENT Will MD The DT most RBS basic JJ legal JJ document NN outlining VVG the DT disposition NN of IN a DT person's JJ estate NN in IN the DT event NN of IN death NN . SENT Window NN light NN An DT individual JJ pane NN of IN glass NN . SENT Window NN seat NN A DT bench NN built VVN under IN an DT interior JJ window NN . SENT Window NN well RB A DT curved VVN , , corrugated VVD steel NN insert NN used VVN to TO isolate VV basement NN windows NNS from IN moisture NN if IN they're NN below IN the DT soil NN line NN . SENT Window NN well RB covers VVZ Curved VVN plastic NN covers VVZ designed VVN to TO be VB installed VVN on IN top NN of IN a DT window NN well RB to TO cover VV the DT opening NN . SENT Wraparound JJ mortgage NN A DT loan NN to TO a DT buyer NN for IN the DT remaining JJ balance NN on IN a DT seller's JJ first JJ mortgage NN and CC an DT additional JJ amount NN requested VVN by IN the DT seller NN . SENT Payments NNS on IN both DT loans NNS are VBP made VVN to TO the DT lender NN who WP holds VVZ the DT wraparound JJ loan NN . SENT Zero CD lot NN lines NNS Houses NNS built VVN without IN space NN between IN them PP and CC with IN little JJ or CC no DT yard NN . SENT Zoning NN Regulations NNS that WDT control VVP the DT use NN of IN land NN within IN a DT jurisdiction NN . SENT . SENT Zoning VVG variance NN A DT one CD time NN modification NN of IN existing VVG zoning NN law NN . SENT Preferred JJ Partners NPS Check NP out IN the DT best JJS in IN local JJ home NN related VVN services NNS . SENT Automated JJ E NN mail NN Listings NNS Service NP Sign NN up RB to TO automatically RB receive VV new JJ listings NNS today NN . SENT Home NN Advice NN Get VV the DT answers NNS on IN home NN selling NN and CC buying NN . SENT Real JJ Estate NP News NP Find VVP out RP what's NNS happening VVG in IN real JJ estate NN . SENT articles NNS links VVZ Search NP The NP MLS NP For IN Homes NP Relocation NP Tri NP Cities NPS Visitor NN and CC Convention NP Bureau NP Kennewick NP School NP District NP Richland NP School NP District NP Pasco NP School NP District NP Different JJ Types NNS of IN Loans NNS Refinancing VVG Leveraging VVG Your PP$ Money NN Length NN of IN Your PP$ Mortgage NP Saving NN for IN the DT Down NP Payment NN Closing NN Costs NNS Getting VVG Your PP$ Finances NNS in IN Order NN Your PP$ Credit NP History NN How WRB Mortgage NN Loans NNS Work VV When WRB To TO Pay VV Points NP Adjustable JJ Rate NP Mortgages NNS How WRB Much RB Can MD You PP Afford VV . SENT Mortgage NN Glossary NN Free NP CMA NP Request NN Free NP Reports NPS Pre NP Qualify VVP Now RB . SENT Different JJ Types NNS of IN Loans NNS Refinancing VVG Leveraging VVG Your PP$ Money NN Length NN of IN Your PP$ Mortgage NP Saving NN for IN the DT Down NP Payment NN Closing VVG Costs NNS How WRB Mortgage NP Loans NNS Work VV When WRB To TO Pay VV Points NP Adjustable JJ Rate NP Mortgages NNS How WRB Much RB Can MD You PP Afford VV . SENT Getting VVG Your PP$ Finances NNS in IN Order NN Your PP$ Credit NP History NN Mortgage NP Glossary NN Pre NP Qualify VVP Now RB . SENT Ann NP Cutsforth NP Phone NN 509 CD 783 CD 4000 CD Fax NN 509 CD 783 CD 2531 CD Toll NP Free NP 800 CD 693 CD 1232 CD Mobile NP 509 CD 947 CD 3901 CD Voice NP Mail NP 509 CD 546 CD 8136 CD Pager NN 509 CD 543 CD 3970 CD E NP Mail NP Me NP ERA NN Sun NP River NP Realty NP 8202 CD W NP . SENT Quinault NP Ave NP Suite NP B NP Kennewick NP , , WA NP 99336 CD Copyright NN 2000 CD 2004 CD Homes NPS . SENT com NN , , Inc NP . SENT All DT Rights NP Reserved NP . SENT Click NN Here RB for IN Full JJ Terms NNS and CC Conditions NNS HOMES NNS . SENT COM NN is VBZ one CD of IN the DT largest JJS Internet NN real JJ estate NN sites NNS with IN hundreds NNS of IN thousands NNS of IN homes NNS for IN sale NN and CC apartment NN rentals NNS with IN photos NNS , , descriptions NNS , , and CC relocation NN services NNS . SENT The DT advertisers NNS and CC publishers NNS are VBP not RB responsible JJ or CC liable JJ for IN misinformation NN , , misprints NNS , , or CC typographical JJ errors NNS . SENT All DT information NN provided VVN is VBZ deemed VVN reliable JJ but CC is VBZ not RB guaranteed VVN and CC should MD be VB independently RB verified VVN . SENT Properties NNS subject JJ to TO prior JJ sale NN or CC rental NN . SENT Member NP Login NP