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Impound, or Reserves |
The portion of a borrower's monthly payments
held by the lender to pay for taxes, hazard and mortgage insurance, lease
payments, and other items that will come due |
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Income approach |
The method of estimating the value of a property
by calculating its generated income |
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Income property |
Real estate developed for the purpose of
generating income |
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Indemnify |
To provide for compensation in the case of loss
or damage to property |
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Indemnity |
The statement of terms under which loss or
damage to property will be compensated |
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Index |
A published interest rate used by lenders to
compare the interest rate for an adjustable-rate mortgage (ARM) with that
earned by other investments (e.g., the yield on Treasury bills, interest rate
on loans from savings and loans institution, etc.), as a result of which the
ARM interest rate is adjusted |
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Ingress |
The right to enter on or over a piece of
property |
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Insurable Title |
A property title which an insurance company is
willing to insure against possible claim |
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Installment contract, or Contract for
deed |
A contract for the sale of real estate whereby
the buyer is in possession of the property while paying off the purchase price
in periodic installments, despite the title being retained by the seller until
the future date of final payment |
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Insured closing letter |
An indemnity provided by a title insurance
company to a lender, whereby the title insurance company assumes responsibility
in the case that the closing agent does not fulfill the terms of the loan, or
misappropriates the loan proceeds |
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Insured mortgage |
A mortgage that is protected by the Federal
Housing Administration (FHA) or by private mortgage insurance (MI) so that if
the borrower defaults on the loan, the insurer compensates the lender the
lesser of the loss incurred or the actual insured amount |
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Interest rate buydown
plan |
An arrangement made for the initial years of a
mortgage whereby the seller (or any other party) deposits money into an account
that is then released toward the monthly payments on the mortgage, thereby
bringing the mortgagor's interest rate down below the actual interest
rate |
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Interest rate ceiling |
The maximum interest rate for an adjustable-rate
mortgage (ARM), as specified in the mortgage note |
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Interest rate floor |
The minimum interest rate for an adjustable-rate
mortgage (ARM), as specified in the mortgage note |
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Interim financing |
A temporary or short-term loan, often made
during the construction phase of a building project, and usually replaced by a
permanent long-term mortgage |
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In testate |
The condition of dying without leaving a will.
The description of an estate without a will |
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Involuntary lien |
A claim or charge against property placed
without the consent of the property's owner |
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| Q |
How much does a celebrity's name boost the price of a property?
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| A |
Typically no more than 5 percent, but there are exceptions--the greater the fame, the higher the price!
|
 See More Real Estate Trivia > |
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Valerie Bertsch
Prudential Fox and Roach Realtors
352 Stokes Road, Suite 1
Medford, NJ 08055
(609) 654-1888 ext. 123
Fax: (609) 953-1714
valeriebertsch@NUMBER1EXPERT.com
Selling or buying a home is one of the biggest decisions of your life. And it is not an easy one. Selling or buying a home can be a complicated and involved process. That is why the right real estate agent can make all the difference. You need an agent who will be there for you. An agent who knows real estate inside and out. An agent who will get the results you're looking for.
Introducing Valerie Bertsch. The right agent.
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Valerie is a native of South Jersey who knows the Medford area and its neighborhoods as well as anyone. After being in the real estate industry for over a decade, she has been awarded the New Jersey Association of Realtors Gold Award for 2001, 2003 & 2004, the New Jersey Association of Realtors Distinguished Sales Club Award, and Top Producer of the Medford Home Marketing Office for 2003, 2004 & 2005.
As her resume highlights, Valerie has won many awards for her distinctive work with home buyers and sellers like you. Valerie is also a Certified Residential Specialist (CRS) earned by only 5% of the nation’s Realtors, a Graduate Real Estate Institute (GRI), a Fine Homes Specialist, E-Certified, a Certified Corporate and Relocation Specialist, and an active member of the National Association of REALTORS®. But ultimately, as a real estate professional, Valerie wouldn't have all these great titles and awards if it wasn't for one thing. Results. Valerie knows how to get them. And as your agent, she will get them for you. In addition to helping people move around town, Valerie is also an expert in helping people move to town. As an experienced relocation expert and a familiar name in the industry, Valerie puts into effect her comprehensive knowledge of the South Jersey area, its neighborhoods and its people. She knows the market, she knows value and she knows homes.
In addition to Valerie's individual success, she is backed by the Tri-State area’s premier broker, Prudential Fox & Roach Realtors--an industry leader, woven into the fabric of our communities since 1886. Valerie also has a team of real estate professionals working with her to make sure her clients' needs are always being met--and usually exceeded. Valerie and her team are totally committed to helping buyers and sellers. Seven days a week - even 24 hours a day, if necessary. Whatever it takes to bring a buyer and seller together.   
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NUMBER1EXPERT™ in real estate for
Medford, Marlton and Medford Lakes, New Jersey Read Valeris Bertsch's
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