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The Data Element Dictionary (DED) is a table in which the data element that you are searching for is located. The information contained in the Superfund Data Element Dictionary includes: element name, table name, common name, and field definition
- Browse Related Terms: Agency for Toxic Substances and Disease Registry (ATSDR), Community Advisory Groups (CAG), Data Element Dictionary (DED), Ecotox Thresholds (ET), Frequently Asked Questions (FAQ), Frequently Asked Questions About Contaminants Found at Hazardous Waste Sites (ToxFAQs), Integrated Exposure Uptake Biokinetic Model (IEUBK), Operations and Maintenance (O&M), Superfund Enhanced State and Tribal Role Initiative (STROLE), Superfund Job Training Initiative (SUPERJTI), Technical Assistance to Brownfields Communities (TAB), Technical Review Workgroup for Lead (TRW)
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Any day other than a Saturday or Sunday or legal holiday.
- Browse Related Terms: Arbitration, Architect, co-mortgagor, covenants, Day, Easement, Easements, Encroachments, Engineer, Forfeiture, Notice of Default, Planned Unit Development (PUD), Power of attorney, Property (Fixture and Non-Fixture), Survey, tenancy
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An obligation to pay.
Money owed to repay someone.
Money owed from one person or institution to another person or institution.
- Browse Related Terms: Borrower, Co-Signer, Debt, Debt-to-Income Ratio, Debtor, Deed-in-Lieu, Liabilities, Loan, Mortgage backed security, Note, Promissory Note, Qualifying Ratios
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A security that represents a loan from an investor to an issuer. The issuer in turn agrees to pay interest in addition to the principal amount borrowed.
- Browse Related Terms: bond, Callable Debt, Debt security, Deferred payments, Duration, Guaranty Fee, Medium Term Notes, Mortgage-Backed Security (MBS), Real Estate Mortgage Investment Conduit (REMIC), Stripped MBS (SMBS)
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The percentage of gross monthly income that goes toward paying for your monthly housing expense, alimony, child support, car payments and other installment debts, and payments on revolving or open-ended accounts such as credit cards.
The ratio between a borrower's monthly payment obligations divided by his or her net effective income (FHA or VA loans) or gross monthly income (conventional loans).
A comparison or ratio of gross income to housing and non-housing expenses; With the FHA, the-monthly mortgage payment should be no more than 29% of monthly gross income (before taxes) and the mortgage payment combined with non-housing debts should not exceed 41% of income.
- Browse Related Terms: Borrower, Co-Signer, Debt, Debt-to-Income Ratio, Debtor, Deed-in-Lieu, Liabilities, Loan, Mortgage backed security, Note, Promissory Note, Qualifying Ratios
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The person or entity that borrows money. The term debtor may be used interchangeably with the term borrower.
- Browse Related Terms: Borrower, Co-Signer, Debt, Debt-to-Income Ratio, Debtor, Deed-in-Lieu, Liabilities, Loan, Mortgage backed security, Note, Promissory Note, Qualifying Ratios
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Terra cotta, cast-stone or natural stone (such as limestone, marble, brownstone or granite) facade areas and/or any ornamental feature which is a component of the facade such as, belt courses, banding, water tables, cornices, corbelled brick work, medallions, enframements, and surrounds, and ornamental bonding patterns, e.g. tapestry brick or diaper patterns.
- Browse Related Terms: Coping, Decorative Masonry, Detached house, Header, key, panel, Paver, Pointing, Rock-faced, Rubble stone, Rustication, Spalling, Stretcher, Stringcourse, Sugaring
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The amount of cash payment that is made by the insured (the homeowner) to cover a portion of a damage or loss. Sometimes also called "out-of-pocket expenses." For example, out of a total damage claim of $1,000, the homeowner might pay a $250 deductible toward the loss, while the insurance company pays $750 toward the loss. Typically, the higher the deductible, the lower the cost of the policy.
- Browse Related Terms: Average Price, Credit Loss Ratio, Deductible, flood insurance, Hazard Insurance, Home Warranty, Homeowner's insurance, Indemnification, insurance, Median Price, Mortgage servicing, Perils, Property insurance, Tax and insurance escrow, Taxes and Insurance
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The legal document transferring ownership or title to a property
A document that legally transfers ownership of property from one person to another. The deed is recorded on public record with the property description and the owner's signature. Also known as the title.
The legal document that transfers the ownership of real property from one party to another.
- Browse Related Terms: Abstract of title, Assignment of Mortgage, Chain of Title, Deed, Deed of trust, Document Recording, Mortgage holder, Notary Public, Ownership, Public Record Information, Quitclaim Deed, Recorder, Recording, Recording Fees, Title, Transfer of Ownership, trust deed
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To avoid foreclosure ("in lieu" of foreclosure), a deed is given to the lender to fulfill the obligation to repay the debt; this process does not allow the borrower to remain in the house but helps avoid the costs, time, and effort associated with foreclosure.
- Browse Related Terms: Borrower, Co-Signer, Debt, Debt-to-Income Ratio, Debtor, Deed-in-Lieu, Liabilities, Loan, Mortgage backed security, Note, Promissory Note, Qualifying Ratios
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The transfer of title from a borrower to the lender to satisfy the mortgage debt and avoid foreclosure. Also called a "voluntary conveyance."
- Browse Related Terms: Change Orders, cloud, Co-Borrower, Cooperative (Co-op) Project, Deed-in-Lieu of Foreclosure, Eminent Domain, fee simple, Foreclosure, Joint Tenancy (with Rights of Survivorship), Liability insurance, Owner's Policy, Pre-Foreclosure sale, tax deed, Title Defect, Title Insurance, Transfer Tax, Warranty deed
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A document, used in many states in place of a mortgage, held by a trustee pending repayment of the loan. The advantage of a deed of trust is that the trustee does not have to go to court to proceed with foreclosure should the borrower default on the loan.
A legal document in which the borrower transfers the title to a 3rd party (trustee) to hold as security for the lender. When the loan is paid in full the trustee transfers title back to the borrower. If the borrower defaults on the loan the trustee will sell the property and pay the lender the mortgage debt.
Same or similar to "mortgage." See "deed of trust" under "mortgage."
- Browse Related Terms: Abstract of title, Assignment of Mortgage, Chain of Title, Deed, Deed of trust, Document Recording, Mortgage holder, Notary Public, Ownership, Public Record Information, Quitclaim Deed, Recorder, Recording, Recording Fees, Title, Transfer of Ownership, trust deed
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Failure to fulfill a legal obligation. A default includes failure to pay on a financial obligation, but may also be a failure to perform some action or service that is non-monetary. For example, when leasing a car, the lessee is usually required to properly maintain the car.
The inability to make timely monthly mortgage payments or otherwise comply with mortgage terms. A loan is considered in default when payment has not been paid after 60 to 90 days. Once in default the lender can exercise legal rights defined in the contract to begin foreclosure proceedings
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Payments to be made at some future date. See "graduated payment mortgage."
- Browse Related Terms: bond, Callable Debt, Debt security, Deferred payments, Duration, Guaranty Fee, Medium Term Notes, Mortgage-Backed Security (MBS), Real Estate Mortgage Investment Conduit (REMIC), Stripped MBS (SMBS)
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Same or similar to "tax-free exchange." See also "tax-free exchange."
- Browse Related Terms: Before-Tax Income, Delayed exchange, Front End Ratio, Homestead Credit, Income tax credit, Low-income housing, Mortgage Interest Deduction, Property Tax Deduction, Property tax relief, Real Estate Property Tax Deduction, tax savings
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Failure of a borrower to make timely mortgage payments under a loan agreement. Generally after fifteen days a late fee may be assessed.
Failure to make a payment when it is due. The condition of a loan when a scheduled payment has not been received by the due date, but generally used to refer to a loan for which payment is 30 or more days past due.
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A loan having no specific date for repayment but may be called by the lender at any time.
- Browse Related Terms: Collateral, Commercial bank, Credit Grantor, creditor, Demand loan, Equity loan, Federal savings bank, HECM (Reverse Mortgage), Line of Credit, Mortgagee, Primary Mortgage Market, Reverse Mortgage (HECM), Truth-In-Lending Act (TILA), Unsecured Loan
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Dismantling or razing of all or part of an existing improvement.
- Browse Related Terms: amenities, Assessed Value, assessment, Assessor, Capital Improvements, Credit Related Expenses, Credit Related Losses, Demolition, Flood Certification Fee, Property tax, Special assessment, variance
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The mission of the Department of Defense (DOD) is to provide the military forces needed to deter war and to protect the security of our country. The Army, Navy, and Air Force are each responsible for environmental restoration of sites under their control. In addition the Army Corps of Engineers supports cleanup actions at Superfund sites.
- Browse Related Terms: Department of Defense (DOD), Department of Energy (DOE), Department of Transportation (DOT), Environmental Protection Agency (EPA), Federal Facilities Restoration and Reuse Office (FFRRO), Natural Resources Damage (NRD), Occupational Safety and Health Act (OSHA), Office of Enforcement and Compliance Assurance (OECA), Office of Pesticide Programs (OPP), Office of Solid Waste (OSW), Resource Conservation and Recovery Act (RCRA), Safe Drinking Water Act (SDWA)