earnest money deposit easement effective age eminent domain encroachment encumbrance Equal Credit Opportunity Act (ECOA) equity escrow escrow account escrow analysis escrow disbursements estate 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 mortgage firm commitment first mortgage fixed-rate mortgage fixture flood insurance foreclosure 401(k)/403(b) 401(k)/403(b) loan government loan (mortgage) Government National Mortgage Association (Ginnie Mae) grantee grantor hazard insurance Home Equity Conversion Mortgage (HECM) home equity line of credit home inspection homeowners' association homeowner's insurance homeowner's warranty HUD median income HUD-1 settlement statement joint tenancy judgment judicial foreclosure jumbo loan late charge lease leasehold estate lease option legal description lender liabilities liability insurance lien life cap line of credit liquid asset loan loan officer loan origination loan servicing loan-to-value (LTV) lock-in lock-in period margin maturity merged credit report modification mortgage mortgage banker mortgage broker mortgagee mortgage insurance (MI) mortgage insurance premium (MIP) mortgage life and disability insurance mortgagor multidwelling units negative amortization no cash-out refinance no-cost loan note note rate no-cost loan notice of default