Before-tax income

Your income earnings before federal and local taxes are taken out

Before-tax income, which is also called gross income or pre-tax, is used to calculate your tax bracket and other items that you have to report on your annual income tax forms.

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- A -

Acceleration clause

Acceptable debt

Acceptance

Acre

Adjustable rate mortgage (ARM)

Adjusted cost basis

Adjusted gross income

Adjustment date

Adjustment period

Amortization

Amortization schedule

Amortization term

Annual Percentage Rate (APR)

Application

Appraisal/Appraiser

Appreciation

Assessed value

Assessment

Asset

Assumable mortgage

Assumption

Assumption clause

Assumption fee

- B -

Back end ratio

Balloon mortgage

Balloon note

Balloon payment

Bankruptcy

Before-tax income

Blanket insurance policy

Blanket mortgage

Bond

Breach of contract

Bridge loan

Building code

Buydown

- C -

Cap

Capital

Capital improvement

Cash-out refinance

Cash reserves

Closing costs

Closing date

Closing statement

Cloud on title

Collateral

Collection

Comparable sale (Comp)

Compensating factors

Condemnation

Condominium (Condo)

Conforming loan

Construction loan

Consumer credit bureau

Contingency

Conventional mortgage

Convertible ARM

Cooperative (Co-op)

Covenants, conditions and restrictions (CC&Rs)

Credit score

- D -

Date of last delinquency

Debt

Deed

Deed of trust

Default

Deficiency judgment

Delayed adjustable rate mortgage

Delinquency

Deposit

Deposit receipt

Discount point

Disposable income

Down payment

Due-on-sale clause

- E -

Earnest money

Easement

Effective age

Eminent domain

Encroachment

Encumbrance

Equity

Escrow

Escrow account

Escrow agent/officer

Estate

Executor

- F -

Fair market value

Federal Home Loan Mortgage Corporation (Freddie Mac)

Federal Housing Administration (FHA)

Federal National Mortgage Association (Fannie Mae)

Fee simple

FHA mortgage

Fixed rate mortgage

Fixture

Foreclosure

Front ratio

Full disclosure

Functional obsolescence

- G -

Gift

Gift deed

Good Faith Estimate

Government mortgage

Grant deed

Grantee

Grantor

Guarantee mortgage

- H -

Hazard insurance

Home equity line of credit

Home equity loan

Home inspection

Home Owners' Association

Home Owners' Association dues

Home owner's insurance

HUD-1

- I -

Impound account

Income property

Index

Inflation

Initial interest rate

Installment

Insurance

Interest/Interest rate

Interest rate cap

Introductory rate

Investment property

- J -

Joint tenancy

Judgment

Judgment lien

Judicial foreclosure

Jumbo loan

- K -

- L -

Lease

Leasehold estate

Liability

Lien

Lifetime rate cap

Liquid asset

Loan

Loan origination fee

Loan processor

Loan-to-value ratio (LTV)

Lock-in rate

Lock period

- M -

Margin

Maturity

Mechanic's lien

Mortgage

Mortgage banker

Mortgage broker

Mortgagee

Mortgage insurance (MI)

Mortgage Insurance Premium (MIP)

Mortgage life insurance

Mortgagor

Mutual Mortgage Insurance (MMI)

- N -

Negative amortization

Net rental income

Non-conforming loans

Non-institutional lender

Non-liquid asset

Note

- O -

Origination fee

- P -

Payment cap

Permanent loan

Personal property

Piggy back loan

Planned Unit Development (PUD)

Point

Police Power

Portfolio loan

Preapproval

Preliminary title report

Premium

Prepaid items

Prepayment

Prepayment penalty

Prequalification

Principal

Principal balance

Principal, interest, taxes and insurance (PITI)

Private lender

Promissory note

Public auction

- Q -

Qualifying ratios

Quitclaim deed

- R -

Rate lock

Real property

Rebate point

Record

Refinance

Remaining balance

Remaining term

Rent

Residential loan application form (1003)

Reverse mortgage

Revolving credit

- S -

Sale-leaseback

Sales comparable

Seasonal income

Second mortgage

Secondary market

Security

Servicing a loan

Settlement

Settlement statement

Super jumbo loan

- T -

Take-out loan

Teaser rate

Tenancy in common

Title

Title insurance

Title (insurance) company

Title report

Title search

Trailing spouse income

Transfer of ownership

Transfer tax

Trustee's sale

- U -

Underwriting

Unsecured loan

- V -

VA loan

Value

Verification of deposit (VOD)

- W -

- XYZ -

Zoning ordinance

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