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Abstract of Title: A history of ownership of a property and any documents that affect the title during that ownership.
Acceptance of Sale/Sales Contract: An offer of purchase that has been signed by both buyer and seller. A firm contract that outlines all details of the property transaction.
Adjustable Rate Mortgage (ARM): A loan with an interest rate that fluctuates according to the movements of a predetermined index.
Agent or Sales Associate: A person licensed by the state to sell real estate through a real estate broker.
Amortization: The paying off of a debt such as a mortgage in periodic installments for the term of the loan.
Appraisal: An opinion by a licensed real estate appraiser about the fair market value of a home.
Appreciation: The increase in value of a home
Assumable Loan: An existing mortgage that can be taken over by the buyer — usually on the same terms given to the original buyer.
Assumption : Taking over responsibility for payments on a mortgage and meeting any of the other requirements. Typically, a buyer assumes a mortgage from the seller.