Home Buyers and Sellers Real Estate Glossary

Every business has it's jargon and residential real estate is no exception. 1001 Tips for Buying and Selling a Home shares Mark Nash, author of commonly used words with home buyers and sellers.

1031 Exchange or Starker exchange: property tax purposes as a tax-deferred exchange exchange qualifies for the delay.

1099: statement of income reported to the IRS for an independent contractor.

I /: A contract that is pending with attorney and inspection contingencies.

With the exhibitions: the exhibition and its customers with the listing agent is an agent should see a listing.

Appendix: an extra one document.

Adjustable Rate (ARM) mortgage: A type of mortgage loan whose rate is an economic index, which fluctuates with the market is tied to. Typical ARM-term one, three, five and seven years.

Agent: Licensed real estate salesperson or broker who represents buyers or sellers.

Annual Percentage Rate (APR): Total (interest rate, closing costs, fees, and so on) costs that are part of a borrower's loan rate of interest expressed as a percentage. Total costs are amortized over the loan period.

Application fee: Fees that mortgage companies charge buyers at the time of written application for a loan, for example, borrowers, property appraisal fees, lender fees, special fees for running credit reports.

Placement: At that time, or time periods an agent shows properties to clients.

Evaluation: the opinion of the value of the property at a specific point in time of a document.

Reviews (AP) Price: Transfer the third party company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent assessment.

"As is": a contract or the offer that the seller must repair or correct any problems with the property clause. Also used in listings and marketing materials.

Assumable Mortgage: A buyer for the existing loan agreement made with the seller's lender agrees to meet the obligations. When assuming a mortgage, a buyer personally liable for payment of principal and interest becomes. The original mortgagor from liability when the buyer received a written release must be regarded as the original mortgage.

Back on the market (BOM): When a property or listing is back on the market after the market has been recently deleted.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

The borrower typically pays a combination of principal and interest. At the end of the loan period, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on a fall or through an accepted first offer on a property of the voiding.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS ® (local): an association of REALTORS ® in a specific geographic area.

Broker: A state licensed individual who acts as agent for the seller or the buyer.



Broker Market (BMA) analysis: the expected final net sale price of the real estate broker's opinion, following the acquisition of assets determined by third-party company.

Broker's tour: A preset time and day when real estate sales agents can view listings on the market by several brokerages.

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Does Size Really Matter? Small Things You Can Do to Make a Bigger Impact on the World

I speak to many women who are just totally frustrated with their jobs, the community in which they live and the state of the world in general. Feel like I just want to get on a horse and become the next Joan of Arc or Angelina Jolie in order to achieve the changes they want to see. But just thinking about what you can do all by yourself just seems scary. Then flooded with kicks and that's where their good intentions stop. After all, what one person can fulfill think? I say a bunch! But not in a way that you think you need! Yes, it would be nice to have Joan of Arc strength and wallet Angelina Jolie, but it's not really what is necessary.

There are TONS of small things you can do to make a greater impact on the world. Size does matter here! So, let's look at two areas, and some possible small steps, you can:

Maintaining your environment (my favorite area!)

Ditch plastic and BYO shopping bags again. Envirosax bags I use. They are very durable, folded in the small bag I can carry it in my purse all the time, and can only be thrown in the wash.
Stop buying bottled water. Get one again like Sigg, and filled with their filtered water (Brita water filters are great).
Give up takeout food! Make your own (preferably locally produced products) and work with them in glass containers. (This also saves you a ton of moola and is much better for your health!)
Switch to natural skin care solutions, such as coconut or olive oil for your night moisturizer. Those store-bought jars full of chemicals are crap. Give your skin a loving nature instead.
When walking in nature, pick up some trash. I know - this may be gross, and then just use a tissue (recycled one that is ...). Send a signal to others that litter is not acceptable.
Use only natural cleaning products like vinegar, baking soda, lemon juice and essential oils. Store-bought construction, the threat to our ecosystem as well as your health. You may have to scrub a little more - but it's better for you than in the gym.

Manipulation of the local community

The easiest thing you can do is buy from local merchants. Be it food, clothing, second hand books or home items. Imports may be cheaper, but for me, I prefer local gal have the money went into his pocket and I know that I did not buy the serial line.
Participate in local environmental cleanup efforts, such as parks and lakes. These initiatives often need the support of labor, rather than monetary contributions. Bonus is connecting with people who are on the same page as you!
Volunteer in a shelter or drop off food at a time. Again, for free (wo) manpower is the key here. Plus, make your heart jump with joy when you cuddle with those lovable animals.
Do you have unique talents and skills (social media techie, hyper-organized, a great event planner, you really bent)? Offer them free of charge for local non-profit. These are required. J
Clean out your closets. Most of us do not carry more than 25% of what we own. And there is someone who could really use your hand-me-downs (or these Articles with tag still on them). Bag 'em up and call the Purple Heart or the Big Brothers / Big Sisters. All you have to do is to leave them at your door step. (This treatment also works wonders for the soul - you'll feel pounds lighter.)

An important part to remember is that size does not matter because you will serve as a model for others. People like to follow role models and your behavior will rub off on them. Then in no time you that you have created a mini-tribe that is setting the path for others. So, do not hesitate to those small steps! Can really be a greater impact on the world, my friend!

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