Type
Crossword
Description

Is licensed to perform brokerage services on behalf of a real estate firm, under the supervision of the firm’s designated broker. Broker
Must have managing broker’s license and is ultimately responsible for all of the firm’s activities. Designated Broker
A firm may be a small independent office run as a sole proprietorship, or part of a national franchise that has thousands of agents and hundreds of offices. Size
Handling only certain types of properties or certain types of transactions. For example, a particular commercial real estate firm might do nothing but tax-deferred exchanges. Specialty
A firm may offer only basic office support, such as telephones, shared workspace, and membership in the local multiple listing service. Support Services
Many firms pay their agents with commission splits, but some firms use a combination of a desk fee and commission splits. Commission Structure
A person who sets her own work hours and is compensated on a commission basis. Independent Contractor
A person who has been authorized by a client (also called a principal) to represent that client in dealings with third parties. Agent
(Also called a principle) May be a real estate seller, buyer, landlord, or tenant. Client
In transactions where the agent is representing a seller or the landlord, third parties are sometimes called customers. Third Parties
A customer may be a buyer or a tenant. Customers
A person who occupies a position of special trust in relation to another person. Duties include the duties of reasonable care and skill, obedience and utmost good faith, accounting, loyalty, and disclosure of material facts. Fiduciary
Information that has a substantial negative impact on the value of the property, on a party’s ability to perform, or on the purpose of the transaction. Material Fact
A problem that a prospective buyer would not discover by ordinary inspection. Example, leaky roof, plumbing issue, or cracks in foundation. Latent Defect
All funds (or other valuables) entrusted in the real estate licensees care. Trust Funds

Real Estate Terms Word Search

Type
Word Search
Description

Commission
Landlord
Tenant
Sale
Lease
Broker
Rent
Escrow
Buyer
Seller

Real Estate Professional Crossword

Type
Crossword
Description

Who is a Real Estate Professional? Karri Garcia
Which Real Estate Company Should I call? A New Way Real Estate
Where is A New Way Real Estate located? VacavilleCA
When should I call ? Rightaway
The document by which title to real property is transferred or conveyed from one party to another? Deed
A sum of money given to bind a sale of Real Estate? Deposit
The process in which a neutral third party holds money and documents for delivery to the respective parties in a transaction on performance or established conditions Escrow
the total cost a borrower must pay, directly or indirectly, to obtain credit according to regulation z Finance charge
The legal process by which property is sold to satisfy an unpaid debt in the event of default on terms or payments of a mortgage. forclosure
An association of people who own homes in a given area Homeowners Association
An opinion or estimate of value Appraisal
The transfer of ownership, rights, or interests in property as in a mortgage, lease or deed of trust. Assignment
One who is licensed by the state to carry on the business of dealing in Real Estate Broker
The limit on how much an interest rate or monthly payment can change cap
the costs incurred to purchase Real Estate Closingcosts
An agents compensation for negotiating a real estate or loan transaction, often expressed as a percentage of the selling price. commission
the amount of debt, not including interest. principal
a loan that is guaranteed by the veterans administration and made by a private lender va loan
a legal hold or claim on property as security for a debt or charge lien
a written promise to make a loan for a specified amount on specific terms loan commitment
a guarantee by the lender of a particular loan rate lock in
an appraisal term denoting the highest price that a buyer would pay and the lowest a seller would accept market value
a payment that is owed to the bank /lender each month toward repayment of the loan mortgage paymentu
an exclusive listing, submitted to all members of an association , so that each may have the opportunity to sell the property multiple listing service
the four major components of a usual monthly mortgage payment piti
an amout equal to 1% of the princcipal amount of the investment or note point

Roles in Real Estate Crossword

Type
Crossword
Description

The legal relationship between principal and agent, wherein an agent is employed and authorized by the principal to represent the principal in business transactions with a third party. Agency
One who is authorized by a principal to represent the principal in business transactions with a third party. In the real estate profession, the agent is the brokerage. Agent
An individual who has the prescribed qualifications to be registered as a broker under the Real Estate and Business Brokers Act, 2002 and Regulations. Broker
A broker designated by a brokerage to ensure brokerage compliance with the Real Estate and Business Brokers Act, 2002 and Regulations. Broker of Record
A corporation, partnership or sole proprietorship that trades in real estate on behalf of others for compensation or reward, or expectation thereof Brokerage
A relationship in which the employer directly controls and supervises the work of the employee and is responsible for the employee’s actions in the performance of such work. Brokers and salespersons are viewed as employees of a real estate brokerage for purposes of REBBA 2002. Employee
The client of a brokerage (the agent under common law), who gives the brokerage the authority to represent him or her. Principal
A registered trademark that may only be used by an active member of a real estate board affiliated with The Canadian Real Estate Association. Realtor
A brokerage, broker or salesperson registered under REBBA 2002. Registrant
An individual meeting prescribed qualifications to be registered as such pursuant to the Real Estate and Business Brokers Act, 2002 and associated Regulations, and who is employed by a brokerage to trade in real estate. Salesperson

Agency Crossword

Type
Crossword
Description

One who is authorized by a principal to perform a single act or transacation Special Agent
A residential real estate broker or saleperson who represent the prospective purchaser. Buyers Agent
A licensee authorized by a broker to act as the agent for a specific principal in a particular transaction Designated Agent
A process that accomodates an in-house sale Designated Agency
Representing both parties to a transaction, both parties must agree. Dual Agency
The individual who hires the agent. Principal
A person empowered to do anything the principal could do personally. Universal Agent
A sum loaned. Principal
The fiduciary relationship between the principal and the agent. Agency
Brokerage relationship in real estate transaction act: the law that governs the law of angency in GA BRRETA
Exaggerated or superlative comments or opionion Puffing
The third party or non represented consumer for whom some level of service is provided Customer
The principal Client
The individual who is authorized and consents to represent the interests of another Agent
An intermediary between a buyer and sell who assits one or both parties Non Agent
Hidden structural defects presumably. known to seller but not the purchaser Latent Defect
Occurs when the broker should have known that a statement about a material fact was false. Negligent Mis
A contract between an owner and real estate broker Listing Agreement
An actual agency that arises by deduction or inference from other facts Implied Agency
One authorized by a principal to perform any and ALL acts associated with a particular job General Agent
Any form of deceit, trickery, breach of confidence. by which one party attempts to gain some unfair over another Fraud
a relationship of trust & confidence Fid. Relationship
One whom trust and confidence is placed Fiduciary
An agency relationship based on a formal agreement between the parties Express Agency

Economics Chapter 7 Crossword

Type
Crossword
Description

market classification according to number and size of firms, type of product, and type of competition; nature and degree of competition among firms in the same industry market structure
a theoretical market structure that requires three conditions: very large numbers of buyers and sellers, identical products, and freedom of entry and exit pure competition
group of firms producing similar or identical products industry
theoretical market structure characterized by a large number of well-informed independent buyers and sellers who exchange identical products and have freedom of entry and exit perfect competition
market structure having all conditions of pure competition except for identical products; a form of imperfect competition monopolistic competition
real or imagined differences between competing products in the same industry product differentiation
competition based on a product's appearance, quality, or design, rather than it's price nonprice competition
market structure in which a few large sellers dominate and have the ability to affect prices in the industry; form of imperfect competition oligopoly
illegal agreement among producers to fix prices, limit output, or divide markets collusion
illegal agreement by firms to charge a uniform price for a product price fixing
market structure characterized by a single producer; form of imperfect competition monopoly
philosophy that government should not interfere with business activity laissez-faire
market structure in which average costs of production are lowest when all output is produced by a single firm natural monopoly
market structure in which a firm has a monopoly because of its location or the small size of the market geographic monopoly
market structure in which a firm has a monopoly because it owns or controls a manufacturing method, process, or other scientific advantage technological monopoly
monopoly created and/or owned by the government government monopoly
condition where any of the requirements for a competitive market leads to an inefficient allocation of resources characterized by too much or too little being produced market failure
economic products that are paid for and consumed collectively; such as highways, national defense, police public good
uncompensated side effects that either benefit or harm a third party not involved in the activity that caused it spillover effect
uncompensated side effects that affect an uninvolved third party externalities
calculation that compares the cost of an action to its benefits cost-benefit analysis
illegal combination of corporations or companies organized to suppress competition trusts
practice of charging different customers different prices for the same product price discrimination
ruling requiring a company to stop an unfair business practice that reduces or limits competion cease and desist order
increasingly efficient use of personnel, plant, and equipment as a firm becomes larger economies of scale

Insurance Terms Crossword

Type
Crossword
Description

Business person who analyzes the probabilities of risk/risk management. Actuary
Person who sells, services, or negotiates insurance policies either with a company or individually. Agent
Physical injury that can include sickness/disease to a person Bodily Injury
A clause in most property insurance policies to encourage policyholders to carry a good amount of insurance. If the insured person doesn’t maintain the amount specified in the clause (usually 80%), the insured person will share a higher proportion of the loss. Coinsurance
The date when an insurance company issues a policy. Date of Issue
Portion of the insured loss paid by the policyholder Deductible
Amount at which an asset can be bought or sold in a transaction between willing parties. Fair Value
The termination of a policy due to failure to pay the required renewal premium. Lapse
It is a state assistance program, to provide hospital and medical expense insurance to people over 65 years of age. Medicare
Money charged for the insurance coverage reflecting expectation of loss. Premium
Uncertainty including the possibility of loss by an unexpected event for which insurance is used for. Risk
homeowners insurance sold to tenants living in the described property. Tenants
The person who identifies and classifies the degree of risk posed by the person trying to be insured. They determine whether or not coverage should be provided and what the rate should be Underwriter
Insurance that will cover an employer’s liability for injuries or death to people in their employment Workers' Compensation
The amount that has to be paid by the insured person during a calendar year before the insurer is responsible for more loss costs Deductible

Financial Terms Crossword Puzzle

Type
Crossword
Description

When you’re investing or saving, this is the interest that you earn on the amount you deposit, plus any interest you’ve accumulated over time. Compoundinterest
A number used by banks and other financial institutions to measure a borrower’s credit worthiness. FICOscore
The difference between your assets and liabilities. networth
The process by which you choose what proportion of your portfolio you’d like to dedicate to various asset classes, based on your goals, personal risk tolerance and time horizon. Assetallocation
Commonly referred to as fixed-income securities. Bonds
The increase in the value of an asset or investment — like a stock or real estate — above its original purchase price. Capitalgains
The process of buying or selling securities over time in order to maintain your desired asset allocation. Rebalancing
Also called equities or shares. Stocks
This is the process of paying off your debt in regular installments over a fixed period of time. Amortization
A type of mortgage in which the interest you pay on your outstanding balance rises and falls based on a specific benchmark. ARM
An account held by an impartial third party on behalf of two parties in a transaction. Escrow
A mortgage that carries a fixed interest rate for the entire life of the loan. Fixed-rate mortgage
Employer-sponsored retirement plans, such as pensions, in which the employer promises a specified retirement benefit based on a formula that may include an employee’s earnings history, length of employment and age. Defined-benefit plans
Companies often use these as management incentives. stockoptions
The payments you make to an insurance company in return for protection from financial losses within the scope of your policy. Premium
Used to determine your taxable income, minus any additional IRS-qualified deductions that you’re eligible to take. AGI
A person who is financially dependent on your income, typically a child or an adult relative you may support. Dependent
A standard amount that can be used to reduce your taxable income if you decide not to itemize your deductions. Standarddeduction
A qualified expense that the IRS allows you to subtract from your adjusted gross income, which further reduces your taxable income. Itemizeddeduction
A type of policy that provides additional liability coverage beyond what your home, auto or boat insurance may provide. Umbrellainsurance

Banking Terms Crossword

Type
Crossword
Description

Bank branch offices, hours of operation, availability of ATM Location
Direct deposit, automatic payments, overdraft protects, online banking, discounts or free checking for students Special Features
Monthly charges, per check costs, printing of checks, balance inquiry cost, ATM checks Fees
Minimum balance, holding period for deposited checks Restrictions
An payment system where bills are paid through direct withdrawal from a bank account Automatic Payment
A financial cooperative owned by its members to serve its members. It offers the same financial services as a bank Credit Union
Allow customers to get cash and conduct banking transactions ATM
An account that allows you to deposit money and write checks on that account. Checking Account
The amount of money currently in an account Balance
A business that keeps money safe fro its customers, lends money to borrowers, and provides other financial services Bank
A banking card that can be used to purchase goods and services electronically. The amount is transferred immediately. Debit Card
The least amount of money a bank requires when opening an account Minimum Deposit
The money put into a bank account Deposit
A savings or checking account set up in the names of more than one person Joint Account
The money a bank pays for the use of a person’s money. Interest is referred to in terms of annual percentage rate (APR) Interest
Tells how much money you currently have in your account (account balance) Inquiry
A secret number or code that protects the security of an account PIN
An amount of money taken out of an account Withdrawal
A bank account that allows you to put money away to use later. The bank pays interest in exchange for the use of the money in the account Savings Account
Business done with a bank, including deposits, and withdrawals Transaction
A bank employee who performs banking services for the public, such as cashing checks and accepting deposits Teller

Contracts Crossword

Type
Crossword
Description

A contract between a real estate owner and a tenant. lease
A landload's right to possession of premises after the expiration of the lease term reversionaryright
A leasehold estate that has a specific beginning and a definite end tenancyforyears
The estate created when a landlord and tenant enter into a lease agreement that automatically renews periodictenancy
A leasehold estate with an indefinite term that may be terminated by the death of either the landlord or tenant tenancyatwill
The leasehold estate created when a tenant, who is in lawful possession of real property, continues in possession without the landlor's consent tenancyatsufferance
The transfer of some of a tenant's interest, but no tenant obligations sublease
The transfer of all tenant's interest. assignment
A lessee's privilege of renewing a lease option
The legal process by which a landlord regains possession of leased premises following a tenant's breach actual eviction
The action by which a tenant may properly abandon premises that have been unusable due to the landlord's conscious neglect constructive eviction
Roll --------------- Roll Tide
War ________________! Eagle
Curious Mobile Bay event end of summer Baldwin County Jubilee
Cookie ____________________________. Cunningham

Microeconomics Crossword

Type
Crossword
Description

A diagram used to represent the monetary transactions in an economy. Circular Flow Diagram
The market place in which final goods or services are offered for purchase by consumers, businesses and public sector. Product market
A type of business entity that's owned and run by one person. Sole proprietorship
A type of business owned or run by two owners. Partnership
A financial gain. Profit
A company or group of people authorized to act as single entity. Corporation
A state of limited competition, in which a market is shared by a small number of producers. Oligopoly
Only one market gives services Monopoly
A type of market that sells similar products. Monopolistic Competition
The part of economics concerned with single factors and the effects of individual decisions. Microeconomics
A market where a business can go and purchase resources to produce goods and services Resource Market
Buyers will exchange with sellers when they want to purchase goods or services from sellers. Medium of exchange
All else equal, an increase n price results in an increase in quantity supplied Law of Supply
All other factors being equal, as the price of a good or service increase Law of Demand
Price of good or service of which quantity supplied is equal to quantity demand Market clearing price
A measure used in economics to show the responsiveness of the quantity demanded of a good or service to change in its price Price elasticity of demand
A measure used in economics to show the responsiveness or elasticity of the quantity supplied of a good or service to a change in price. Price elasticity of Supply
A market that has a broad range of cometitors who are selling identical products Pure Competition
Something that motivates or encourages someone to do something Incentive
An excess of production Surplus