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Sales comparison approach |
The method of evaluating a property's value by
comparing it to actual sales prices and values of comparable
properties |
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Sale-leaseback |
A transaction in which a seller deeds property
to a buyer for a consideration, and the buyer simultaneously leases the
property back to the seller |
|
SBA |
Abbreviation for the Small Business
Administration |
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Second mortgage, or junior
mortgage |
A mortgage whose claim to repayment is of lesser
priority than another, previously recorded mortgage, usually or shorter term
and often at higher interest |
|
Secondary market |
Agents or agencies that buy mortgages from
primary lenders, usually at discounted prices, to sell to
investors |
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Section, or Section of
land |
A parcel of land measuring one square mile or
640 acres |
|
Set Back Lines |
The distance designated by zoning regulations
that is required between the perimeter of a property and where structures can
be positioned |
|
Secured loan |
A loan guaranteed by collateral |
|
Security |
The property pledged as collateral for a loan or
mortgage |
|
Seller take-back |
A contract whereby the seller of a property
provides financing, sometimes as part of an assumable mortgage |
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Severalty, or Sole
ownership |
Ownership of real property by only one
individual |
|
Special assessment |
An additional tax imposed by the government
against specific parcels of real estate that will benefit from a public
improvement, such as a street |
|
Special warranty deed |
An agreement whereby the current owner/seller
guarantees he has done nothing that would impair or cloud title, but does not
make any guarantee for what occurred prior to his ownership of the
property |
|
Specific performance |
A legal action that requires a party to honor
the terms of a contract |
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Statute of limitations |
The time period allowed for the filing of a
legal suit to enforce a claim, after which any such claims are
barred |
|
Step-rate mortgage |
A loan that allows for the interest rate to
increase in increments according to a designated schedule for a specified
period of time, at the end of which, the interest rate returns to a constant
percentage |
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Subagent |
An individual or party who is employed by
someone already acting as an agent |
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Subdivision |
A tract of property that is divided into streets
and individual lots |
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Subject to |
Taking ownership of a property with a lien
(legal claim or charge) against it, but not assuming responsibility for the
said lien, while the holder who forecloses the lien can take the property, but
may not collect money from the owner who took "subject to" |
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Subsidized second
mortgage |
An alternative financing option for low- and
moderate-income households, issued by a state or county housing foundation,
agency or nonprofit corporation, whereby the buyer can purchase a first
mortgage with a subsidized second mortgage behind it; payment on the second
mortgage is often deferred and carries a low or no interest rate, and a portion
of the mortgage may be forgiven incrementally for each year the buyer resides
in the home |
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Survey |
The process of determining property areas, by
measuring its dimensions, lot lines and other physical features
Also, the
map that results from such measurements taken |
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| Q |
What area in the U.S. is known for its pre-civil war mansions?
|
| A |
Natchez, Mississippi boasts over 500 pre-civil war-style mansions; many are open to the public as museums. |
 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.
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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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