Index
A
A Paper
accessing areas for inspection
acre, square feet in
additional financing
address change
adjustable interest rate
advertising for auctions
agent. See alsoseller’s agent
brokers and
buyer’s reactions and
closing
commission
contacting seller’s agent
dismissing
earnest money
financing advice
home tours
information
interviewing
market analysis
negotiations
offer
open houses
personal information
price
problems after move-in
red flags
conflict of interest
mortgage lender referral
poor inspection advice
selecting
E&O (Errors and Omissions) insurance
experience
online
past legal issues
previous relationship
recommendations
seller’s, problems after move-in
signing documents
specialization
terms of offer
websites
air quality indoors
airport near by home
Alto Research website
amenities
American Arbitration Association
American Recovery and Reinvestment Act
amortized loans
appliances
home warranty
warranties
appointments, setting via Internet
appraisal contingency
appraiser
APR (annual percentage rate)
arbitration
ARM (adjustable-rate mortgage)
as-is sale
asbestos
assuming loansFHA loan
attorney closing
responsibilities of attorney
attorney’s fees
attorneys
installment sales
seller financing
auctions
foreclosed homes
advertising
financing
multiple mortgages
post-foreclosure
public auction
sale on the courthouse steps
Auto Driveaway
availability of funds
B
B Paper
bad debt, mortgage and
balance (mortgage)
balloon payment
bank
FDIC
foreclosed homes
buying
health of
new
bankruptcy
Chapter
Chapter
credit history
credit report
basement
bathrooms
family size
full bath
half-bath
quarter-bath
three-quarter
bedrooms
emergency exits
location
master bedroom
master suite
qualifications
size
bids on repair work
blogs
bonuses at closing
boundaries of property
boxes for moving
brokers
agents and
mortgage broker
open houses
qualifications
budget, going over
builder websites
buyer-broker agreement
buyer’s market
buyer’s walkthrough
checklist
problems during
sellers
when to conduct
buying down the loan
buying home
by yourself
fear during process
reasons
versus renting
when
C
C Paper
calling seller’s agent
canned food, donating
capital gains
improvements and
car, moving
carpenter ants
cash accounting
cash payment on foreclosed homes
cash transactions at offer
CCIM (Certified Commercial and Investment Member)
certifications
CIPS (Certified International Property Specialist)
e-PRO Certification
TRC (Transnational Referral Certification) course
Chamber of Commerce
Internet searches
mortgage broker
change of address
Chapter 7 bankruptcy
Chapter 13 bankruptcy
charge-offs
checklist for buyer’s walkthrough
children
open houses
schools
chimney inspection
CIPS (Certified International Property Specialist)
claims on homeowner’s insurance
closing
agent and
attorney
bonuses
closing instructions
closing statement
commissions
deed
deed of trust
documents, reading
escrow
escrow fees
expenses
incentives
installment sales
loan agreement
mortgage papers
offer
promissory note
seller concession
truth-in-lending document
what to bring
closing costs
closing credit cards
closing fees
closing up house
CO (Certificate of Occupancy)
collectibles, down payment
commission
agent
buyer pays
buyer-broker agreement
closing
common areas of condominiums
commute to work
compromising on new home
comps (comparable homes)
visiting
condition of home
condominiums
234c FHA loan
assessment fees
common areas
homeowner’s association
conflict of interest with agent
constructive knowledge
Consumer Credit Protection Act
contact information
contingencies
appraisal contingency
contract contingencies
extension contingency
inspection contingency
insurance contingency
loan contingency
permit satisfaction contingency
release contingency
spousal approval contingency
continuing education courses
contract contingencies
contract problems
arbitration
example
liquidated damages
mediation
conventional loans
conveyance
cooperatives (co-ops)
counselors
counteroffer
coverage of home warranty
Craigslist
credit, good versus bad
credit cards, closing
credit counseling services
credit history
bankruptcy
credit insurance
credit report
bankruptcies
charge-offs
closed accounts
correcting mistakes
defaults
foreclosure
judgment liens
liens
tax liens
credit score
A Paper
B Paper
C Paper
closing credit card
improving
middle ground
myths
poor risk
credit union
creditbacks
CRS (Certified Residential Specialist)
cultural attractions
CyberStar
D
Database of State Incentives for Renewables & Efficiency
DataQuick
death on property
debt ratio, closing credit cards
debt-to-equity ratio
debt-to-income ratio
decks
declining loan agreement
deduction on taxes
deed
closing
deed of trust
defaults on credit report
den
denial of mortgage
depreciation
dining room
disability insurance
disclosures
death on property
drug lab site
health and safety
latent defects
mold
real estate taxes
sexual offenders in area
special
structural
do-it-yourself moving
supplies
do-it-yourself purchasing
documentation, organizing
documents
agent signing
reading carefully
down payment
401(k)
collectibles
FHA loan
GI loans
gift money
IRA
personal loan
Roth IRA
savings
stocks/bonds
Treasury bonds
U.S. government securities
draperies
drug lab site disclosure
dry rot
due diligence
duplexes
E
E&O (Errors and Omissions) insurance
e-PRO Certification
E-Trade Group
early access to property
earnest money
agent and
foreclosed homes
easement
economy, home prices and
economy, researching
education
continuing education courses
efflorescence
eligible leasehold legal format
emergency exit safety
emotional connection with home
endorsements on homeowner’s insurance
Energy Policy Act
energy-efficient upgrades
Equal Credit Opportunity Act
Equifax
equity
financing more than purchase price
reverse mortgages
escrow account
opening
selecting company
escrow closing
opening escrow account
title report
escrow fees
estate properties, agent’s specialization
estimate, good faith estimate
expenses, saving for
Experian
experience of agent
expiration of offer
extension contingency
extra rooms
F
Fair Credit Reporting Act (FCRA)
Fair Housing Act
Fair Isaac Company (FICO)
fair lending
family room
family size, bathrooms and
Fannie Mae
FCRA (Fair Credit Reporting Act)
fear during process
Federal Home Loan Mortgage Corporation
Federal National Mortgage Association
fee simple
fees
closing
mortgage broker
FEMA (U.S. Federal Emergency Management Agency)
FHA (Federal Housing Administration)
HECM
loans
203b
203k
234c
down payment
HPA and
mortgage insurance
FICO scores
fiduciary
finances
attorney’s fees
closing costs
closing expenses
down payment
earnest money
escrow fees
good faith estimate
inspection costs
insurance premiums
money saved for expenses
property taxes
financing. See alsomortgage
additional
advice from agent
auction purchases
FHA (Federal Housing Administration)
foreclosed homes
installment sales
more than purchase price
offer
saying no
secondary
seller financing
benefits
VA (Veterans Administration)
fireplace inspection
first-time home buyers
fixed interest rate
fixer-uppers
fixtures, offer
floating interest rate
flood zones
Floodsmart.gov website
floor plan
basement
bathrooms
bedrooms
dining room
extra rooms
family room
garage
home office/den
kitchen
laundry room
living room
square footage
FMCSA (Federal Motor Carrier Safety Administration)
foreclosed homes
as-is sale
buying at auction
advertising
financing
multiple mortgages
post-foreclosure
public auction
buying from bank
cash payment
earnest money
financing
finding
HUD
inspections
loans
paying for
repairs
short sales
stolen items
time for reply
upgrades
foreclosed properties
foreclosure
causes
credit report
mortgage after
points
foreclosures
agent’s specialization
forms for offer
fraud protection from moving company
Freddie Mac
full bath
future of neighborhood
G
garage
general contractor, inspector
GI Bill
gift money, down payment
golf courses
good faith estimate
Google Earth
GRI (Graduate Realtor Institute)
H
half-bath
health and safety disclosures
HECM (Home Equity Conversion Mortgage)
HELOC (home equity line of credit)
HFA (Housing Finance Agency)
highways nearby
home
closing up
as investment
home buying
by yourself
when
home inspections
access
asbestos
chimney
coverage
dry rot
fireplace
indoor air quality
lead paint
mold inspection
outbuildings
radon
report
offer and
roof
seller’s agreement
HOME Investment Partnerships Program
home office/den
home ownership, readiness
home prices, economy and
home tours, agent
home types
condominium
cooperatives (co-ops)
duplex
fixer-uppers
single-family detached
tenants-in-common (TIC)
townhouses
home warranty
appliances
coverage
reviewing
rider
home-buying myths
buying costs more
calling seller’s agent
commission
foreclosures
mortgage, bad debt and
mortgage process
need for real estate professional
homeowner’s association
condominiums
townhouses
homeowner’s insurance
claims
endorsements
liability protection
living expenses
property protection
House Hunters(HGTV)
houses
compromising
emotional connection with
location
airport
flood zones
future of neighborhood
golf courses
highways
industrial areas
parks
playground
parcel number
Housing Bonds
HPA (Homeowner’s Protection Act)
HUD (U.S. Dept. of Housing and Urban Development), foreclosed homes
I
implied warranty of merchantability
impound accounts
improvements, tax credits
in-law home
incentives at closing
indoor air quality
industrial areas
information gathering
drive around neighborhood
local governments
MLS (Multiple Listing Service)
NAR (National Association of Realtors)
open houses
checklist
TV news
websites
Inman website
inside the home. See alsofloor plan
basement
bathrooms
bedrooms
dining room
extra rooms
family room
garage
home office/den
kitchen
laundry room
living room
load-bearing walls
square footage
inspection contingency
inspections
attending
cost
coverage
foreclosed homes
home inspections
access
asbestos
chimney
dry rot
fireplace
indoor air quality
lead paint
mold inspection
outbuildings
radon
roof
seller’s agreement
inspector
continuing education
experience
finding
general contractor
length
membership in association
negligence
number of inspections completed
poor advice from agent
questions for
repairs/improvements
report
length
offer
pest inspections
future infestation
rodents
wood-destroying insects
repairs
report
offer and
resale inspection
installment sales
attorney
considerations
details
title report
insurance
credit
disability
homeowner’s insurance
claims
endorsements
liability protection
living expenses
property protection
life
MIP (Mortgage Insurance Premium)
moving and
moving company
PMI (private mortgage insurance)
premiums
title insurance
insurance contingency
insurance premiums
interest paid on mortgage, tax credit
interest rate
APR (annual percentage rate)
changes in
credit score and
Federal Reserve and
mortgage
interest-only loans
Internet lenders
Internet searches
agent websites
appointment setting
blogs
builder sites
Chamber of Commerce
Craigslist
cultural attractions
mass sites
MLS (Multiple Listing Service)
narrowing search
property websites
public utilities
relocation experts
school information
shopping
tax information
virtual tours
interviewing agent
investment, home as
IRA
down payment
Roth IRA, down payment
tax credit
J-K
job relocation, moving company payment
judgment liens
judgments
jumbo loans
kitchen
L
land
yard
landlord
landslides
latent defects
laundry room
lead paint
lenders
bank
credit report
credit union
denial
good faith estimate
Internet lenders
mortgage broker
liability protection, homeowner’s insurance
licensing
agents
brokers
liens
life insurance
liquidated damages
living room
load-bearing walls
loan
APR (annual percentage rate)
buying down
interest rate
principal amount
loan agreement, closing
loan application, mortgage broker
loan contingency
loan-to-value ratio of mortgage, PMI and
loans
balloon payment
discrimination
fair lending
FHA
203b
203k
234c
finding best
foreclosed homes
installment sales
considerations
details
title report
offer
refinancing
sale of
saying no
seller concession
seller financing
benefits
considerations
details
types
amortized
conventional
Fannie Mae
Freddie Mac
interest-only
jumbo
state and local
VA (Veterans Administration)
local governments, information gathering
location of home
airport
flood zones
future of neighborhood
golf courses
highways
industrial areas
parks
playground
locks on new home
M
market, buyer’s market
market analysis
mass sites
master bedroom
master suite
mediation
military members
MIP (Mortgage Insurance Premium)
MLS (Multiple Listing Service)
Internet searches
mold
mold inspection
mortgage
after foreclosure
amount qualified for
APR (annual percentage rate)
ARM (adjustable-rate mortgage)
bad debt and
balance
balloon payment
broker
bank’s health
Chamber of Commerce
community
experience
fees
loan application
National Association of Mortgage Brokers
references
selecting
buying down the loan
credit history
credit report, correcting mistakes
credit score
myths
debt-to-equity ratio
debt-to-income ratio
denial
difficulty
discrimination
down payment
escrow accounts
escrow closing
fair lending
FHA
203b
203k
234c
finding best
foreclosed homes
former landlords
GI Bill
good faith estimate
impound accounts
insurance
credit
disability
life
interest rate
multiple on foreclosed homes
paperwork at closing
copies
PMI (private mortgage insurance)
points
principal amount
refinancing
reverse mortgages
seller concession
sold
subprime
term
types
amortized
conventional
Fannie Mae
Freddie Mac
interest-only
jumbo
state and local
VA (Veterans Administration)
mortgage interest tax credit
mortgage interest rates
mortgage lender advice suspect
Mortgage Loan Disclosure Statement/Good Faith Estimate
mother-daughter
mother-in-law home
moving
boxes
car
change of address
closing up house
do it yourself
supplies
insurance coverage
out of state
packing
getting rid of things
supplies
tips
valuables
packing material
moving company
fraud protection
payment from employer
red flags
selecting
MRB (Mortgage Revenue Bonds)
myths about home buying
buying costs more
calling seller’s agent
commission
foreclosures
mortgage, bad debt and
mortgage process
need for real estate professional
N
NAHI (National Association of Home Inspectors, Inc.)
NAR (National Association of Realtors)
National Association of Mortgage Brokers
NCSHA (National Council of State Housing Agencies)
need for real estate professional
needs in a new home
negotiations, agent
neighborhood
airport
flood zones
future
golf courses
highways nearby
industrial areas
many for sale signs
parks
playground
neighborhoods
neighbors
meeting
research and
new construction warranty
NFIP (National Flood Insurance Program)
notarizing a document
number of homes for sale
O
odor issues
offer
agent and
arbitration
cash transactions
closing
closing costs
contract problems
arbitration
example
liquidated damages
mediation
counteroffer
creditbacks
details
early access
example purchase contract
expiration
finance terms
financing
additional financing
secondary financing
fixtures
inspection report
inspections
liquidated damages
loan
loan contingencies
mediation
possession
preprinted forms
price
rent back
seller concession
seller’s market
signatures
special requests
home warranty
terms, agent and
window treatments
online selection of agent
open houses
agents and
amenities
checklist
children
condition of home
privacy
questions to ask
organizing paperwork
outbuildings
ownership with bank
P
packing
getting rid of things
supplies
tips
valuables
packing material for moving
paperwork, organizing
parcel number
parks
patios
per annum
permit satisfaction contingency
permits for work done by seller
personal information, agent and
personal loans, down payment
pest inspection
future infestation
rodents
wood-destroying insects
picocuries per liter of air (radon)
PITI (Principal, Interest, Taxes, and Insurance)
planning
factors in needs
needs
wants
playground
PMI (private mortgage insurance)
cancelling
points
previous foreclosure and
tax deduction
points on mortgage
pools
possession
early access
offer
title
post-foreclosure auctions
powderpost beetles
preapproval
premiums for insurance
prepaid real estate taxes
preprinted forms for offer
prequalification
amount
price of home
agent and
offer
red flags
pricing
principal amount (mortgage)
privacy issues
problems after move-in
agent and
constructive knowledge
inspector negligence
seller and
statute of limitations
promissory note
property boundaries
property protection, homeowner’s insurance
property taxes
paying prorated
property websites
virtual tour
public auction, foreclosed homes
public open house
public utilities, Internet searches
purchase contract, example
Q-R
quarter-bath
questions to ask about home
Quicken Loans
radon
ranches, agent’s specialization
readiness for homeownership
reading documents carefully
real estate agent. Seeagent
real estate licensing course
real estate professional
CCIM (Certified Commercial and Investment Member)
CIPS (Certified International Property Specialist)
commission
CRS (Certified Residential Specialist)
CyberStar
e-PRO Certification
GRI (Graduate Realtor Institute)
international arena
need for
TRC (Transnational Referral Certification) course
types
real estate taxes
disclosures
owed
prepaid
tax breaks
transferring
Realtor
capitalization of word
education
reasons for buying
recommendations of agents
recording the deed
red flags
agent conflict of interest mortgage lender referral poor inspection advice
landslides
number of homes for sale
odor issues
price
seller
references, mortgage broker
refinancing mortgage
release contingency
release from agency
Release of Contingency
relocation agents
relocation experts, Internet searches
remodeling, tax credits
rent back
rental property
duplex
renting versus buying
REOs (real estate owned), as-is state
repairs
after move-in
bids on
foreclosed homes
report from inspection
offer and
reports, title report
resale
resale inspection
research
area
drive around neighborhood
information gathering
local governments
MLS (Multiple Listing Service)
NAR (National Association of Realtors)
TV news
websites
inspections
local economy
location
neighbors
open houses
checklist
price
RESPA (Real Estate Settlement Procedures Act)
reverse mortgages
Richmond’s Rule
rider to home warranty
rodents
roof inspection
Roth IRA, down payment
S
safety
emergency exits
garage door
health and safety disclosures
sale of home, tax credits
sale on the courthouse steps
saving for expenses
savings, down payment
school enrollment
school information, Internet searches
schools
secondary financing
securitization
seller
red flags
work done by
seller concession
seller financing
attorney
benefits
considerations
details
title report
seller’s agent
calling
contacting
problems after move-in
seller’s market
offer amount
selling of loans
services
starting
turning off
settlement fees
settlement of property
Settlement Statement (HUD-1)
sexual offenders in area
shopping
Internet searches
short sales
signatures, offer
single-family detached home
special disclosures
special requests in offer
home warranty
specialization of agent
spousal approval contingency
square footage
acre
state and local programs
state real estate tax savings
statute of limitations
stolen items from foreclosed homes
structural disclosures
structure, load-bearing walls
subprime mortgages
T
tax bracket
tax credits
depreciation
first-time home buyers
improvements on home
IRA withdrawals
mortgage interest
points
real estate taxes
sale of home
tax deductions
tax information, Internet searches
tax liens
taxes
prepaid real estate taxes
short sales
tenants-in-common (TIC)
term of mortgage
termites
signs of
terms of offer, agent and
three-quarter bathroom
TIC (tenants-in-common)
title, possession
title fees
title insurance
exclusions
title report
townhouses
234c FHA loan
homeowner’s association
TransUnion
TRC (Transnational Referral Certification) course
truck rental for moving
sizes
truth-in-lending document
turning off services
TV news
U
Uniform Commercial Code
upgrades to home
foreclosed homes
tax credits
U.S. Army Corps of Engineers, flood zones
U.S. Census Bureau
utilities, Internet searches
V
VA (Veterans Administration) loans
HPA and
VA loans
valuables, packing
verbal agreements, getting in writing
virtual tour of property
W-X-Y-Z
walkthrough
checklist
problems during
sellers
when to conduct
walls, load-bearing walls
wants in a new home
warranty
appliances
coverage
implied warranty of merchantability
new construction
reviewing
rider
websites
agents
Alto Research
appointment setting
Auto Driveaway
blogs
builders
Craigslist
DataQuick
Google Earth
Inman
mass sites
MLS (Multiple Listing Service)
NAR (National Association of Realtors)
narrowing search
property websites
relocation experts
virtual tours
when to buy home
window treatments
wood-boring beetles
wood-destroying insects
written documentation, verbal agreements and
yard
sun in
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