Buyer/Seller Info

Rita E.S. Dixon
Miller & Associates Realty
5267 John Marshall Highway
Linden, Virginia 22642
540.622.7613 Cell
540.631.0445 Fax
Email: rita@ritadixon.com

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Acceleration Clause
Acceptance
Additional Principal Payment
Adjustable-Rate Mortgage (ARM)
Adjusted Basis
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Adjustment Period
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Affidavits
Affordability Analysis
Amenity
Amortization
Amortization Schedule
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Amortize
Annual Mortgagor Statement
Annual Percentage Rate (APR)
Annuity
Application
Appraisal
Appraised Value
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Appreciation
Assessed Value
Assessment
Assessment Rolls
Assessor
Asset
Assignment
Assumable Mortgage
Assumption
Assumption Clause
Assumption Fee
Attorney-in-fact
Automated Underwriting

Balance Sheet
Balloon Mortgage
Balloon Payment
Bankrupt
Bankruptcy
Before-Tax Income
Beneficiary
Bequeath
Betterment
Bill of Sale
Binder
Biweekly Mortgages
Biweekly Payment Mortgage
Blanket Insurance Policy
Blanket Mortgage
Bona Fide
Bond
Breach
Bridge Loan
Broker
Budget
Budget Category
Building Code
Buydown Account
Buydown Mortgage

Call Option
Cap
Capacity
Capital
Capital Expenditure
Capital Improvement
CD-Indexed (Certificate of Deposit) ARMs
Certificate of Deposit
Certificate of Deposit Index
Certificate of Eligibility
Certificate of Reasonable Value (CRV)
Certificate of Title
Chain of Title
Change Frequency
Change Orders
Chattel
Clear Title
Closing
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Closing Date
Co-Maker
Coinsurance
Coinsurance Clause
Collateral
Collection
Commercial Banks
Commission
Commitment Letter
Common Area Assessments
Common Areas
Common Law
Community Land Trust Mortgage Option
Community Property
Community Seconds
Comparables
Compound Interest
Condemnation
Condition of the Home
Condominium
Condominium Conversion
Condominium Hotel
Construction Contract
Construction Loan
Contingencies for Repairs
Contract
Contractor
Conventional Mortgage
Convertibility Clause
Convertible ARM
Cooperative (co-op)
Cooperative Corporation
Cooperative Mortgages
Cooperative Project
Corporate Relocation
Cost of Funds Index (COFI)
Costs for Settling Into Your Home
Covenant
Credit
Credit Bureau
Credit History
Credit Life Insurance
Credit Profile
Credit Report
Credit Report Fee
Credit Reporting Agency
Credit Repository
Credit Scoring
Credit Unions
Creditor
Cash-Out Refinance
Cloud on Title
Contingency
Contingency for Clear Title
Contingency for Financing
Contingency for Personal Property
Contingency Reserve

Debt
Deed
Deed of Trust
Default
Delinquency
Department of Veternas Affairs (VA)
Deposit
Depreciation
Discount Points
Detached Single-Family Home
Direct Leveraging Loan Program
Down Payment
Dower
Due-on-sale Provision
Due-on-transfer Provision
Deed-in-Lieu

Equal Credit Opportunity Act (ECOA)
Earnest Money Deposit
Easement
Effective Age
Effective Gross Income
Eminent Domain
Encroachment
Encumbrance
Endorser
Equity
Errors in Credit Report
Escrow
Escrow Account
Escrow Analysis
Escrow Collections
Escrow Disbursements
Estate
Escrow Payment
Establishing a Credit Report
Eviction
Examination of Title
Exclusive Listing
Executor

Fair Credit Reporting Act
Fair Market Value
Fannie Mae (FNMA)
Federal Housing Administration (FHA)
Fee Simple
Fee Simple Estate
FHA Coinsured Mortgage
FHA Loans
FHA Mortgage
Final Walk-Through Inspection
Firm Commitment
Financial Index
Finder's Fee
First Mortgage
First and Second Mortgages
Fixed Installment
Fixed-Rate Mortgage
Fixed-Period Adjustable-Rate Mortgages
Fixture
Flood Insurance
Foreclosure
Forfeiture
Fully Amortized ARM

General Contractor
Good Faith Estimate
Governmnet Mortgage
Government National Mortgage Association
Grantee
Grantor
Ground Rent
Group Home
Growing-Equity Mortgage (GEM)
Guarantee Mortgage
Guaranteed Loan

Hazard Insurance
Home Equity Conversion Mortgage (HECM)
Home Equity Line of Credit
Home Inspection
Homeowner's Insurance
Homeowner's Insurance for Reverse Mortgages
Homeowners' Association
Homeowner's Warranty (HOW)
HomeStyle Construction-to-Permanent Mortgage
HomeStyle Mortgage Loan
Housing Expense Ratio
HUD-1 Statement
HUD Median Income

In-File Credit Report
Income Property
Index
Inflation
Initial Interest Rate
Installment
Installment Loan
Insurable title
Insurance
Insurance Binder
Insured Mortgage
Interest
Interest Accrual Rate
Interest Rate
Interest Rate Buydown Plan
Interest Rate Ceiling
Interest Rate Floor
Interest Rate for HECMs
InterestFirstSM Mortgage
Investment Property
IRA (Individual Retirement Account)

Joint Tenancy
Judgment
Judgment Lien
Judicial Foreclosure
Jumbo Loan

Late Charge
Lease
Lease-purchase Mortgage Loan
Lease-purchase Option
Leasehold Estate
Legal Description
Liabilities
Liability Insurance
LIBOR-based ARMs
Lien
Lifetime Payment Cap
Lifetime Rate Cap
Line of Credit
Liquid Asset
Loan
Loan Application
Loan Commitment
Loan Limit
Loan Origination
Loan Origination Fee
Loan Terms and Conditions
Loan-To-Value (LTV) Percentage
Lock-in
Lock-in Period

Manufactured Housing
Margin
Market Value
Master Association
Maturity
Maximum Claim Amount
Maximum Financing
Merged Credit Report
Modification
Money Market Account
Money Market Fund
Monthly Fixed Installment
Monthly Payment Mortgage
Mortgage
Mortgage Banker
Mortgage Banking Companies
Mortgage Broker
Mortgage Insurance
Mortgage Insurance Premium (MIP)
Mortgage Life Insurance
Mortgage-Related Closing Costs
Mortgagee
Mortgagor
Multidwelling Units
Multifamily Properties
Multifamily Mortgage

Negative Amortization
No Cash-Out Refinance
Net Cash Flow
Note
Nonliquid Asset
Note Rate
Notice of Default

Occupancy Date
Offer
Ongoing Costs
One-Year Adjustable-Rate Mortgage
Original Principal Balance
Origination Fee
Other Buyer Costs
Other Contingencies
Other Financial Companies
Owner Financing

Planned Unit Development (PUD)
Partial Payment
Payment Change Date
Periodic Payment Cap
Periodic Rate Cap
Permits
Personal Property
PITI
PITI Reserves
Planned Unit Development (PUD)
Point
Power of Attorney
Pre-Approval
Pre-Qualification
Prearranged Refinancing Agreement
Preforeclosure Sale
Prepayment
Prepayment Penalty
Prime Rate
Principal
Principal Balance
Private Mortgage Insurance (PMI)
Promissory Mote
Public Auction
Purchase and Sale Agreement
Purchase Money Transaction

Qualifying Ratios
Quitclaim Deed
Qualifying Guidelines

Real Estate Settlement Procedures Act (RESPA)
Realtor
Radon
Rate Caps
Rate-Improvement Mortgage
Rate Lock
Ratified Sales Contract
Real Estate Agent
Real Estate Attrorney
Real Property
Recorder
Recission
Recording
Refinance Transaction
Rehabilitation Escrow Account
Rehabilitation Mortgage
Remaining Balance
Remaining Term
Rent Loss Insurance
Rent with Option to Buy
Repayment Plan
Replacement Reserve Fund
Reverse Mortgage Counseling
Revolving Liability
RHS Loans
Right of First Refusal
Right of Ingress or Engress
Right of Survivorship
Rural Housing Service (RHS)

Sale-Leaseback
Second Mortgage
Secondary Mortgage Market
Savings and Loans
Secured Loan
Security
Seller Take-Back
Servicer
Seller Versus Buyer Closing Costs
Servicing
Settlement
Settlement Sheet
Single-Family Properties
Six-Month Adjustable-Rate Mortgage
Special Deposit Account
Standard Payment Calculation
Subdivision
Step-Rate Mortgage
Subordinate Financing
Subsidized Second Mortgage
Survey
Sweat Equity

Truth-in-Lending
Taxes and Insurance
Tenancy in Common
Tenancy by the Entirety
Tenant-Stockholder
Termite Inspection
Third-Party Origination
Thrifts
Title
Title Search
Title Company
Title Insurance
Total Expense Ratio
Transfer of Ownership
Townhouse
Trade Equity
Transfer Tax
Treasury Index
Trustee
Truth-in-Lending
Two-Step Mortgage
Two-to Four-Family Property

Underwriting
Unsecured Loan

VA Mortgage
Vested
Veterans Administration (VA)

W-Z

Ways of Obtaining a Loan
What-if Analysis
Wraparound Mortgage
What-if Scenario

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