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Flavia & Klaus Westerwelle
Real Estate Consulting
Agent Referral Center
155 Augusta National Ct
Kiawah Island, South Carolina 29455
Sprachen: English, German
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Lizensierte Immobilienmakler im Staat South Carolina, USA - seit 2005
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coming soon in German
A mortgage that typically offers low rates for an initial period of time (usually 5, 7, or 10) years; after that time period elapses, the balance is due or is refinanced by the borrower.
The final lump sum payment that is required at the maturity date of a balloon mortgage.
A federal law whereby a person's assets are turned over to a trustee and used to pay off outstanding debts; this usually occurs when someone owes more than they have the ability to repay.
Income before taxes are deducted.
The person designated to receive the income from a trust, estate, or a deed of trust.
To transfer personal property through a will.
An improvement that increases property value as distinguished from repairs or replacements that simply maintain value.
bill of sale
A written document that transfers title to personal property.
A preliminary agreement, secured by the payment of an earnest money deposit, under which a buyer offers to purchase real estate.
biweekly payment mortgage
A mortgage that requires payments to reduce the debt every two weeks instead of a monthly payment schedule. The result for the borrower is a substantial savings in interest.
blanket insurance policy
A single policy that covers more than one piece of property.
The mortgage that is secured by a cooperative project, as opposed to the share loans on individual units within the project.
In good faith, without fraud.
An interest-bearing certificate of debt with a maturity date. An obligation of a government or business corporation. A real estate bond is a written obligation usually secured by a mortgage or a deed of trust.
A person who has been approved to receive a loan and is then obligated to repay it and any additional fees according to the loan terms.
A violation of any legal obligation.
A form of second trust that is collateralized by the borrower's present home in a manner that allows the proceeds to be used for closing on a new house before the present home is sold. This is also known as "swing loan."
A person who brings parties together and assists in negotiating contracts between them and receives a commission or a fee for this service.
A detailed record of all income earned and expenses expected over a specific period of time. A budget can provide guidelines for managing future investments and expenses.
A category of income or expense data that you can use in a budget. You can also define your own budget categories and add them to some or all of the budgets you create.
Based on agreed upon safety standards within a specific area, a building code is a regulation that determines the design, construction, and materials used in building.
An account in which funds are held so that they can be applied as part of the monthly mortgage payment as each payment comes due during the period that an interest rate buydown plan is in effect.
A temporary buydown is a mortgage on which an initial lump sum payment is made by any party to reduce a borrower's monthly payments during the first few years of a mortgage. A permanent buydown reduces the interest rate over the entire life of a mortgage.
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