OWNER'S TITLE POLICY- Policy that indemnifies the buyer against losses for covered defect in the title. (Premium is set by the State Board of Insurance.)
CREDIT REPORT- A report of your Credit history.
PREPAYMENT PENALTY- A fee charged for early payoff of the Seller's existing mortgage loan. If the penalty applies, it will be stated in the existing mortgage instruments of record.
INSPECTIONS- An Examination of the property for various reasons such as termite, mechanical or roof inspections; parties may also require follow-up inspections after required repairs are completed.
PRORATED TAXES- Taxes are prorated with the seller paying taxes from January 1st through the closing date, and buyer paying the remainder. Figures are usually based on actual taxes charged the previous year. Any shortages or overages due at the end of the existing year ate between buyer and seller.
ORIGINATION FEE- Lender may charge purchaser a fee to originate a new loan.
MISCELLANEOUS LENDER FEES- May include fees for underwriting, processing, tax service fee, warehousing, etc.; varies with each lender. Check your lender's GFE(good Faith Estimate) for disclosure and explanation.
REALTOR FEE- An amount paid to the brokerage firm representing the consumer(buyer or seller) for real estate services agreed upon in the property listing agreement or buyer representation agreement.
DISCOUNT POINTS- Points lender may charge to increase the investor's yield. May be paid by either buyer or seller. The # of discount points depends on the rate quoted and the current market rates.
APPRAISAL FEE-Cost for professional evaluation of the property's market value based on comparable sales, improvements on the property and location. (Fee usually set by Appraiser)
MORTGAGEE'S POLICY- Policy insuring lender of validity and priority of its lien.
ASSUMPTION TRANFER FEE-Fee is charged to the buyer, assessed by the lender for buyer to assume present loan.
Verticales
SURVEY- A statement (drawing) showing the corners, distances, and directions of the boundaries of a tract of land along with easements, encroachments, etc. as may be required in the contract.
FILING AND RECORDING FEES-Fees for recording documents in the appropriate county; fee is determined by the # of pages per document.
INTEREST OR PER DIUM- Interest due on Seller's existing mortgage through date of pay-off received. Interest is usually paid in arrears. Interest also includes prepaid interest on the buyer's loan for the remainder of the month in which closing occurs.
PMI PREMIUM/MIP PREMIUM- (PMI-private mortgage insurance- conventional loans, MIP- mortgage insurance protection- FHA loans) Insures lender against loss in the event of default by the borrower.
HAZARD INSURANCE- Fire and extended coverage casualty insurance protects property and contents in case of loss; required by lender for at least the loan amount.
ESCROW FEE- Title company's services fee for acting as an escrow agent. carrying out contract instructions, obtaining execution, and recording of necessary documents, disbursing sale proceeds; usually split between buyer and seller.
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When you hit the 'Arrange' button, our algorithm will try to arrange all your words on the grid, and will move words around to try to fit the most words.
This will get all the words on the grid about 90% of the time, depending on the word list. For the other 10%, you will get an alert explaining that the words that did not fit were added to the scratchpad.
It prints on two pages.
Big puzzles won’t always print on one page — the clues and grid are the smallest we could make them while keeping them readable for everyone.
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