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Month: April 2020

What is the Home Valuation Code of Conduct (HVCC)?

Posted on April 30, 2020 by davidreecher
What is the Home Valuation Code of Conduct (HVCC)? – David Reecher The Home Valuation Code of Conduct (HVCC) is a set of federal guidelines designed to make the home appraisal process more relia... Read More

What is a home equity line of credit (HELOC)?

Posted on April 30, 2020 by davidreecher
What is a home equity line of credit (HELOC)? – David Reecher A home equity line of credit (HELOC) allows homeowners to borrow cash to spend as they like, using their home equity as collateral. ... Read More

What is Freddie Mac?

Posted on April 30, 2020 by davidreecher
What is Freddie Mac? – David Reecher The Federal Home Loan Mortgage Corporation, known as Freddie Mac, is a government-sponsored enterprise that buys loans from mortgage lenders, packages them t... Read More

What is a Foreclosure?

Posted on April 30, 2020 by davidreecher
What is a Foreclosure? – David Reecher Foreclosure is a process that transfers the right of home ownership from the owner to the bank or lender after the owner defaults on his loan. On... Read More

What is a foreclosed home?

Posted on April 30, 2020 by davidreecher
What is a foreclosed home? – David Reecher A foreclosed home is one that has been repossessed by a lender because the owner was unable to make the mortgage loan payments. These homes are usually... Read More

What is For-Sale-By-Owner (FSBO)?

Posted on April 29, 2020 by davidreecher
What is For-Sale-By-Owner (FSBO)? – David Reecher For-sale-by-owner refers to a home that the owner is selling without the services of a licensed real estate agent. In the industry, a for-sale-b... Read More

What is flood insurance?

Posted on April 29, 2020 by davidreecher
What is flood insurance? – David Reecher Flood insurance protects a homeowner against losses from a flood. It is often subsidized by the federal government. If the home is located in a flood pla... Read More

What is a float-down?

Posted on April 29, 2020 by davidreecher
What is a float-down? – David Reecher When a borrower locks in an interest rate on a loan, a float-down option allows the borrower to take advantage of a lower interest rate if rates drop during... Read More

What does “flipping” mean in real estate?

Posted on April 29, 2020 by davidreecher
What does “flipping” mean in real estate? – David Reecher “Flipping” refers to the practice of buying a home and quickly reselling it for a profit, usually after making r... Read More

What is a fixer-upper in real estate?

Posted on April 29, 2020 by davidreecher
What is a fixer-upper in real estate? – David Reecher A fixer-upper is a home that can usually be lived in but needs maintenance work (redecoration, redesign, or reconstruction) and is typically... Read More

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