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Cooperative - 3/30/2006
A cooperative (also co-operative or co-op) is an association of persons who join together to carry on an economic activity of mutual benefit. ...
Types of cooperatives - 3/30/2006
There are many which are mentioned herein. ...
Some more Types of cooperatives - 3/30/2006
More types of cooperatives are continued here. ...
History of the co-operative movement - 3/30/2006
Robert Owen (1771–1858) fathered the cooperative movement. A Welshman who made his fortune in the cotton trade, ...
Common ownership - 3/30/2006
Common ownership is a principle according to which the assets of an enterprise or other organisation are held indivisibly rather than in the names of the individual members. ...
Copyhold - 3/30/2006
At its origin in medieval England, Copyhold tenure was tenure of land according to the custom of the manor, the "title deeds" being a copy of the record of the manor court. ...
Council house - 3/30/2006
The council house is a form of public housing found in the United Kingdom. ...
Origins of Council house - 3/30/2006
The pressure for decent housing arose from overcrowding in the large cities in the 19th century, and many social commentators (such as Octavia Hill) reported on the squalor, sickness and perceived immorality that arose. ...
Deed - 3/30/2006
A deed is a legal instrument used to grant a right. The deed is best known as the method of transferring title to real estate from one person to another. ...
Depreciation - 3/30/2006
Depreciation is an accounting and finance term for the method of attributing the cost of an asset across the useful life of the asset. ...
Dominion Land Survey - 3/30/2006
The Dominion Land Survey is the method used to divide most of western Canada into one-square-mile sections for agricultural and other purposes. ...
Double closing - 3/30/2006
A double closing is the simultaneous purchase and sale of a real estate property involving three parties: the original seller, an investor (middleman), and the final buyer. ...
Due-on-sale clause - 3/30/2006
A Due-on-sale clause is a clause in a loan or promissory note that stipulates the full balance is due upon sale or transfer of ownership. ...
Earnest payment - 3/30/2006
An earnest payment (sometimes called earnest money or simply earnest) is when a buyer gives something of value (money or otherwise) to a seller at the time an agreement is made and it is accepted by the seller as an indication that the agreement is complete. ...
Easement - 3/30/2006
An easement is the right of use over the real property of another. The right is often described as the right to use the land of another for a special purpose. ...
Eminent domain - 3/30/2006
Eminent domain (US), compulsory purchase (United Kingdom, New Zealand), compulsory acquisition (Australia) or expropriation (Canada, South Africa) in common law legal systems is the power of the state to expropriate private property without the owner's consent. ...
Encumbrance - 3/30/2006
An encumbrance is a legal term of art for anything that affects or limits the title of a property, such as mortgages, leases, easements, liens, or restrictions. ...
Escrow - 3/30/2006
Escrow is a legal arrangement whereby an asset (often money, but sometimes other property such as art, a deed of title, or software source code) is delivered to a third party (called an escrow agent) to be held in trust pending a contingency or the fulfillment of a condition or conditions in a contract. ...
Power of attorney - 3/30/2006
A power of attorney or letter of attorney in common law systems or mandate in civil law systems is an authorization to act on someone else's behalf in a legal or business matter. ...
Leasehold - 3/30/2006
Leasehold is a form of property tenure where one party buys the right to occupy land or a building for a given length of time. ...
Rental agreement - 3/30/2006
A rental agreement is a contract, usually written, between the owner of a property and a renter who desires to have temporary possession of the property. ...
Federal Home Loan Mortgage Corporation - 3/30/2006
The Federal Home Loan Mortgage Corporation ("Freddie Mac") NYSE: FRE is a stockholder-owned, publicly-traded company chartered by the United States federal government in 1970 to purchase mortgages and related securities, and then issue securities and bonds in financial markets backed by those mortgages in secondary markets. ...
Federal National Mortgage Association - 3/30/2006
The federal government of the United States created the Federal National Mortgage Association (FNMA) (NYSE: FNM), commonly known as Fannie Mae, in 1938 to establish a secondary market for mortgages insured by the Federal Housing Administration (FHA). ...
Federal Housing Administration - 3/30/2006
The Federal Housing Administration was begun as part of the New Deal in 1934. ...
Foreclosure - 3/30/2006
Foreclosure is the legal proceeding in which a bank or other secured creditor sells or repossesses a parcel of real property (immovable property) due to the owner's failure to comply with an agreement between the lender and borrower called a "mortgage" or "deed of trust". ...
Deed in lieu of foreclosure - 3/30/2006
Deed in lieu of foreclosure is a deed instrument in which a mortgagor (i.e., the borrower) conveys all interest in a real property to the mortgagee (i.e., the lender) to satisfy a loan that is in default and avoid foreclosure proceedings. ...
Gentrification - 3/30/2006
Gentrification refers to the process whereby a low rent neighborhood is transformed into a high rent neighborhood through redevelopment, usually in conjunction with changing demographics and an influx of wealthier residents. ...
Good faith estimate - 3/30/2006
A mortgage lender is required by the Federal Real Estate Settlement Procedures Act to provide you with a good faith estimate of the fees due at closing within three days of applying for a loan. ...
Government National Mortgage Association - 3/30/2006
The Government National Mortgage Association (GNMA, also known as Ginnie Mae) was created by the United States Federal Government through a 1968 partition of the Federal National Mortgage Association. ...
Green belt - 3/30/2006
A green belt or greenbelt is an area of largely undeveloped wild or agricultural land surrounding or neighbouring an urban area. Similar concepts are greenways or green wedges which have a linear character and may run through an urban area instead of around it. ...
Hard money loan - 3/30/2006
A hard money loan is a specific type of financing in which a borrower receives funds based on the value of a specific parcel of commercial real estate. ...
Loan Structure - 3/30/2006
A hard money loan is a real estate collateralized loan based on the quick-sale value of the property against which the loan is made. ...
Mortgage - 3/29/2006
A mortgage is a method of using property as security for the payment of a debt. ...
History of Mortgage - 3/29/2006
At common law, a mortgage was a conveyance of land that on its face was absolute and conveyed a fee simple estate, but which was in fact conditional, and would be of no effect if certain conditions were not met --- usually, but not necessarily, the repayment of a debt to the original landowner. ...
Mortgages in the US - 3/29/2006
There are many types of mortgage loans. The two basic types of amortized loans are the fixed rate mortgage (FRM) and adjustable rate mortgage (ARM). ...
US Mortgage Process - 3/29/2006
In the USA, the process by which a mortgage is secured by a borrower is called origination ...
US Mortgage finance industry - 3/29/2006
Mortgage lending is a major category of the business of finance in the United States of America. ...
Mortgage broker - 3/29/2006
A mortgage broker acts as an intermediary who sources mortgages on behalf of individuals or businesses. ...
Why use a mortgage broker? - 3/29/2006
In competitive mortgage markets many lenders use an array of rate offers and other incentives to attract customers. ...
Tasks of mortgage broker - 3/29/2006
The nature and scope of a mortgage brokers activities varies with jurisdiction. ...
Mortgage brokerage in the USA - 3/29/2006
Over 80% of home loans issued in the US today are negotiated by brokers. ...
Difference between a mortgage broker and a loan officer - 3/29/2006
A loan officer acts as the conduit between buyer and lender. ...
Mortgage brokerage in Canada - 3/29/2006
The laws governing mortgage brokerage in Canada are determined by provincial governments. ...
Multiple Listing Service - 3/29/2006
Multiple Listing Service (MLS) (also Multiple Listing System or Multiple Listings Service) is a database that allows a broker representing a seller to share information about the property for sale widely with brokers representing potential buyers. ...
National Association of Realtors - 3/29/2006
The National Association of Realtors (NAR), whose members are known as "Realtors," is America's largest trade association, representing over 1 million members (as reported in 2006), including NAR's institutes, societies, and councils, involved in all aspects of the residential and commercial real estate industries. ...
History Notary public - 3/29/2006
A notary public is an officer who can administer and give oaths, and perform certain other acts varying from jurisdiction to jurisdiction. ...
Notary public in United States - 3/29/2006
In the United States, generally speaking, a notary public is a public official appointed by a state government to serve the public as an impartial witness. ...
Notary public in California - 3/29/2006
Each state authorizes a notary to perform a limited range of activities called notarizations. In some states a notary is authorized to solemnize marriages. ...
Notary public in New Jersey - 3/29/2006
Notaries are commissioned by the State Treasurer for a period of five years. Notaries must also be sworn in by the clerk of the county in which he or she resides. ...
Notary public in Virginia - 3/29/2006
Notaries are appointed by the Governor. ...
Promissory note - 3/29/2006
A promissory note is a contract detailing the terms of a promise by one party (the maker) to pay a sum of money to the other (the payee). ...
Niche real estate - 3/29/2006
A niche is specialised sector of the property market. ...
Origination fee - 3/29/2006
An origination fee is a fee or charge for establishing a new loan. ...
Point in a mortgage - 3/29/2006
Some lenders refer to points as discount points. ...
Owner-occupier - 3/29/2006
An owner-occupier is a person who lives in a house that he or she owns. Owner-occupancy is therefore also called home ownership. ...
Plat - 3/29/2006
A plat is a map, drawn to scale, showing how a piece of land is divided. Township plats were created by General Land Office surveyors to show the distance and bearing between survey corners, and sometimes topographic or vegetation information. ...
History of Plat - 3/29/2006
The creation of a plat map is also an important step in the process of incorporating a town or city according to United States law. ...
Lot and Block survey system - 3/29/2006
The Lot and Block Survey System is a method used in the United States to locate and identify land, particularly for lots in densely populated metropolitan areas, suburban areas and exurbs. ...
Other uses of Lot and Block survey system - 3/29/2006
A type of the Lot and Block system us frequently used for tax identification purposes in the United States. ...
Understanding property descriptions - 3/29/2006
The Lot and Block system is perhaps the simplest of the three main survey systems to understand. ...
Plat of Zion - 3/29/2006
The plat of Zion is a plat (a standard city plan) used in the construction of hundreds of Mormon and Western United States communities. ...
Points (real estate) - 3/29/2006
Points are a form of pre-paid interest. One point equals one percent of the loan amount. ...
Public housing - 3/29/2006
Public housing or project homes is a form of housing tenure in which the property is owned by a government authority, which may be central or local. ...
Public housing in the United States and Canada - 3/29/2006
In the United States and Canada, public housing is usually a block of purpose-built housing operated by a government agency, often simply refered to as "projects." ...
Public Land Survey System - 3/29/2006
The Public Land Survey System (PLSS) is a method used in the United States to survey and identify land parcels, particularly for titles and deeds of rural, wild or undeveloped land. ...
Origins of Public Land Survey System - 3/29/2006
The original colonies (including their derivatives Maine, Vermont, Tennessee, Kentucky and West Virginia) continued the British system of metes and bounds. This system describes property lines based on local markers and bounds drawn by humans, often based on topography. ...
Benson Syndicate - 3/29/2006
The Benson Syndicate was an organized crime organization in the western United States involved with General Land Office land surveying fraud, and headed by one John A Benson, a former school teacher and later a reputable deputy land surveyor. ...
General Land Office - 3/29/2006
The General Land Office, a former agency of the United States government, was created in 1812 to take over functions previously conducted by the United States Department of the Treasury relating to the public domain. ...
Surveying - 3/29/2006
Surveying is the art and science of accurately determining the position of points and the distances between them. ...
Method of Surveying - 3/29/2006
Historically, distances were measured using a variety of means, such as chains with links of a known length, for instance a Gunter's Chain, or measuring tapes made of steel or invar. ...
Types of surveys - 3/29/2006
There are 12 types of survey which are mentioned herein. ...
Surveying as a career - 3/29/2006
The basic principles of surveying have changed little over the ages, but the tools used by surveyors have evolved tremendously. ...
Benchmark (surveying) - 3/29/2006
A benchmark is a point of reference for a measurement. In surveying a benchmark is a geodetic control point set by a surveyor to mark a point of known vertical elevation. ...
Gunter's measurement - 3/29/2006
Gunter’s measurement, sometimes Surveyor’s measurement, is a geodetic system, formerly popular in Britain and its (former) colonies. ...
Dumpy level - 3/29/2006
A dumpy level, builders auto level or automatic level is an instrument used in surveying and building to transfer, measure, or set horizontal levels. ...
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