What state was I born ?
Document that shows the search of a property up to a specific date.
A good referral for me.
Document that allows someone else to sign for you.
What is my sons name?
What was a job that I had when I lived in California?
A document that we receive from the builder that shows items that have been paid for.
Where is our newest office location?
What is the insurance policy called that the lender receives?
What is the document called that gets recorded and shows who owns the property?
Another word for a primary residence.
Home Mortgage ___________ Act
Comparison of your loan amount to the value of your home
Percentage of your debt divided by your gross income
Spouse that will only be on title but not on loan
Insurance that protects lenders/investors for losses due to the event of default of a mortgage loan
Document that most be provided withing 72 hours of taking an application
Document provided prior to closing that replaces the HUD-1 and TIL
Document filed to show lien with lender is a Deed of _______
Sketch of a property showing its boundaries
History of the title showing current owners and liens
Nationwide registraction system for mortgage loan originators
Origination, appraisal, and survey fees are know as _____________ costs.
Insurance protecting the lender is known as a _____________ policy
We use the borrowers __________ income to qualify them for a loan
FHLB stands for _____________ Home Loan Bank
Intergrated Disclosure regulation that went into effect October 3rd, 2015
Computer generated loan underwriting system
An ___________ account is set up to pay taxes and insurance on a yearly basis
Right of _____________ gives a borrower 3 days to decide if they wish to continue with a loan
A Mortgage _____________ is in charge of receiving payments, paying taxes and insurance, etc.
Who is a Real Estate Professional?
Which Real Estate Company Should I call?
Where is A New Way Real Estate located?
When should I call ?
The document by which title to real property is transferred or conveyed from one party to another?
A sum of money given to bind a sale of Real Estate?
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
the total cost a borrower must pay, directly or indirectly, to obtain credit according to regulation z
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.
An association of people who own homes in a given area
An opinion or estimate of value
The transfer of ownership, rights, or interests in property as in a mortgage, lease or deed of trust.
One who is licensed by the state to carry on the business of dealing in Real Estate
The limit on how much an interest rate or monthly payment can change
the costs incurred to purchase Real Estate
An agents compensation for negotiating a real estate or loan transaction, often expressed as a percentage of the selling price.
the amount of debt, not including interest.
a loan that is guaranteed by the veterans administration and made by a private lender
a legal hold or claim on property as security for a debt or charge
a written promise to make a loan for a specified amount on specific terms
a guarantee by the lender of a particular loan rate
an appraisal term denoting the highest price that a buyer would pay and the lowest a seller would accept
a payment that is owed to the bank /lender each month toward repayment of the loan
an exclusive listing, submitted to all members of an association , so that each may have the opportunity to sell the property
the four major components of a usual monthly mortgage payment
an amout equal to 1% of the princcipal amount of the investment or note
An established schedule of fees set for services performed by providers and paid by the patient
protection in return for periodic premium payments that provides reimbursement of expenses resulting from illness or injury
the sum of money paid at the time of medical service; it is a form of coinsurance
provision frequently is found in medical insurance policies whereby the policyholder and the insurance company share the cost of covered losses in a specified ratio
Civilian Health and Medical Program of the Veterans Administration known as
states that when an individual is covered under two insurance policies, the insurance plan of the policyholder whose birthday comes ﬁrst in the calendar year (month and day, not year) becomes the primary insurance.
A term used in managed care for an approved referral
a payment method used by many managed care organizations in which a ﬁxed amount of money is reimbursed to the provider for patients enrolled during a speciﬁc period of time, no matter what services were received or how many visits were made.
a letter or statement from Medicare that describes what was paid, denied, or reduced in payment.
Pays expenses involved in the care of the teeth and gums
Protects a person in the event of a certain type of accident, such as an airplane crash
Often includes benefits for medical expenses payable to individuals who are injured in the insured person’s home or during an automobile accident
Covers a continuum of maintenance and health services for chronically ill, disabled, or mentally retarded individuals
Provides payment of a specified amount on the insured’s death
Pays the cost of all or part of the insured person’s hospital room and board and specific hospital services
a review of individual cases by a committee to make sure services are medically necessary and to study how providers use medical care resources
40. An insurance term used when a primary care provider wants to send a patient to a specialist
periodic (monthly, quarterly, or annual) payment of a specific sum of money to an insurance company for which the insurer, in return, agrees to provide certain benefits
person who pays a premium to an insurance company and in whose name the policy is written in exchange for the insurance protection provided by a policy of insurance
a general practice or nonspecialist provider or physician responsible for the care of a patient for some health maintenance organizations
The highest price that the property will bring tothe market.
Home value determined by examing the structure,size,features, and quality as compared to similar homes.
Value set by the city or country that is used to compute property taxes.
Difference between the market value of property and the amount owed on it.
Mortgage agreement that does not have government backing and that is offered through a commerical bank or mortgage broker.
A government-sponsored loan that carries mortgage insurance.
Similar to a mortgage, it is a debt security instrument that shows as a lien against a property.
A fund where money is held to pay amounts that will come due during the year.
Used to lower mortgage interest rate.
A fee charged by a lender to process the loan papers.
The expenses incurred in transferring ownership from buyer to seller.
I AM A METAL THAT IS A LIQUID AT ROOM TEMPERATURE
I AM USED TO BLOW UP BALLOONS
ELEMENTS ARE LISTED ON THE PERIODIC TABLE IN ORDER OF _______ ATOMIC NUMBER
ELEMENTS THAT HAVE BOTH PROPERTIES OF METALS AND NONMETALS ARE CALLED _____
I HAVE 26 PROTONS
I AM A METALLOID USED IN COMPUTER CHIPS
WHAT IS THE TERM THAT REFERS TO THE REPEATING PATTERNS OF CHEMICAL ACTIVITY ON THE PERIODIC TABLE
I AM SOMETIMES USED AS A POISON
ELEMENTS SUCH AS HYDROGEN, NITROGEN, AND OXYGEN ARE CALLED ______
THE SCIENTIST THAT ARRANGED THE FIRST PERIODIC TABLE
I AM THE ONLY ELEMENT IN THE HALIDE FAMILY THAT IS A LIQUID
THE FIRST COLUMN OF ELEMENTS IS NAMED
I AM THE MOST ELECTRO NEGATIVE ELEMENT ON THE PERIODIC TABLE
I HAVE THE CAPACITY TO KILL SUPERMAN
I AM NOT REALLY A ALKALI METAL BUT SENSE I HAVE ONLY 1 ELECTRON I BEHAVE LIKE THEM
MY ATOMIC NUMBER IS 79
I AM A METAL WITH 28 ELECTRONS
I AM A SILVERY WHITE METAL USED TO MAKE SALT
I AM A GAS WITH 8 PROTONS AND 8 NEUTRONS
THE SCIENTIST WHO CAME UP WITH ATOMIC THEORY
I HAVE 92 PROTONS AND WAS USED IN MAKING THE ATOMIC BOMB
THE VERTICAL COLUMS ON THE PERIODIC TABLE ARE CALLED
ELEMENTS TO THE LEFT OF THE STAIR STEP LINE ON THE PERIODIC TABLE ARE CALLED
THE VERTICAL COLUMNS ON THE PERIODIC TABLE ARE
I HAVE 92 PROTONS AND WAS USED IN MAKING THE ATOMIC BOMB
to clear from charge or accusation
to hear and settle a case
An act that violates the law
Written declaration made under oath
An assertion that must be proved with evidence
A defendant’s defense against charges
Transferring a case to a higher court for review
Hears court appeals and reviews decisions
Objecting that admits facts of an opponent’s argument that denies they sustain pleading
To call the accused to answer the charge
Someone’s specific attorney
Responsible for the case
Assessing the cause of death and examining the cadaver
Money in exchange for release of the arrested, in guarantee that they’ll come to trial
Court attendant who keeps order
Responsible of proving a charge or allegation
Facts or evidence in support of claim
Hall for trials and court
Laws of a nation dealing with rights of citizens
Summing up important arguments, after seeing evidence
Filed in court against someone, by a plaintiff
When someone is officially guilty of a crime
Someone who investigates suspicious deaths
One who gives advice on legal matters
Group of people who make decisions about legal cases, and the time when this happens
When the accused is charged and judged
System for those who commit (or are accused of) crimes
Witness is interrogated/extends testimony
Award as compensation for loss/injury, usually money
The accused party
Questioning a witness
Fair treatment of anyone in court
Anything giving information on the case(documents, testimony, items)
Document or article that is inspected; a form of evidence
Crime that is more serious than a misdemeanor
Formal charge for crime
Court order that prohibits a party of from specific action
Witnesses must leave the room when someone is appealing to the judge
One who hears and decides on court of law
Right to interpret and apply law
A jury of 12-23 people
Sits at civil and criminal cases
Is insurance that protects renters from property and liability risks.
Is an insurance that protects property owners from property and liability.
: Is a written amendment to an insurance policy. Policyholders often use endorsement to add coverage to their policy for an additional premium.
A provision requiring policyholders to insure their building for a stated percentage of its replacement value in order to receive full reimbursement for a loss.
Is an insurance to protect against claims for bodily injury to another person or damage to another person’s property
: Is a dangerous place, condition, or object that is particularly attractive to children, such as swimming pools.
Is automobile insurance that protects you own car against damage from accidents or vehicle overturning. This coverage will pay for the damage to your car in the event you are at fault and the other driver’s liability insurance does not have to pay.
Is automobile insurance that pays for medical, hospital, and funeral costs of the insured and his or her family and passengers, regardless of fault.
Is automobile insurance that pays for your injuries when the other driver is legally liable but unable to pay.
Is automobile insurance in which drivers involved in an accident receive reimbursement for their medical and repair expenses from their own insurer.
Known as personal catastrophe policy, supplements your basic auto and property liability coverage by expanding reimbursement limits and including some risks that were excluded in the basic coverage.
: Is insurance coverage for the insured’s move able property wherever it may be located.
The causes might be fire, theft, tornado, hail, water, falling objects, natural disasters, and acts of vandalism.
What paper starts a case?
It is often used as a defense to a divorce.
Failure to follow a court order.
A testimony from someone that backs up your story.
Claim against plaintiff.
This is the person that the case is against.
A way for getting information.
Another word for Divorce.
A calendar or schedule.
What is the item that is being held until the fulfillment of some condition?
What is it called when you are giving the Clerk of Court your legal papers?
What is a lawsuit in a court of law?
What is a written statement that is made under oath and notarized?
When a higher court review is requested by the losing action.
Sometimes called the "clerk".
A written argument presented to a court to persuade the judge.
Contains the name of the court, names of the parties, case number, and the name of the document.
A trial judge who has the same responsibilities as a Circuit Judge.
Failure to obey this, constitutes contempt of court.
The authority of the court to hear a case.
What we study in this class.
A charge or claim that is place on property that belongs to another.
The one who hears the cases like a judge.
The judge's decision.
Also called a petitioner.
The formal written statements by the parties to a lawsuit that states their claims and defenses.
When you represent yourself in court without an attorney.
Also called a defendant.
Married people getting back together.
When a married couple begins to live apart.
When someone receives a Summons to appear in court and a copy of the plaintiff's Complaint.
When you resolve the dispute without a judge's ruling.
Another name for a husband or wife.
A notice that requires a defendant to appear in court.
Cannot be classified as a breach of contract.
The county where the case should be heard.
Someone who is called to court to testify in order to tell what they know about the case.
Is large and provides many services.
A hotel staff member who helps guests make arrangements.
Designed to provide for the special needs of conventions and trade shows
An exhibit during which people show the goods and services they have to sell.
The space where a trade show is held
A large building designed specifically to hold large meetings, conventions, and trade shows.
Provides the highest level of amenities, service, room furnishings, public spaces, and technology.
Caters to the vacationer or leisure traveler.
A place that provides entertainment, recreation, and relaxation for vacationers.
A hotel accommodation that consists of more than one room.
Focuses on charging lower prices, which it is able to do by providing fewer services than a full-service hotel.
Consists of breakfast foods that do not need to be cooked.
Offers a medium level of service and midrange price.
Have the lowest rates and least amount of service.
Includes a variety of accommodations that provide less personal service than a full-service hotel, but more than a motel.
A lodging facility where 60% or more of the total occupancy is generated by conferences.
A private home offering one or more guest rooms.
An inexpensive place to stay where sleeping rooms, bathrooms, and kitchen facilities are shared.
The day-to-day running of the hotel.
A group of independent hotels that creates a central office for reservations and marketing.
Another way of saying 'Referral System'
Another way of saying 'Referral System', plural is Consortia.
The official rate for one night's lodging at a lodging property.
The price actually charged to a guest for one night's lodging.
A room rate that includes meals.
The whole idea of the lodging property or chain.
Business person who analyzes the probabilities of risk/risk management.
Person who sells, services, or negotiates insurance policies either with a company or individually.
Physical injury that can include sickness/disease to a person
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.
The date when an insurance company issues a policy.
Portion of the insured loss paid by the policyholder
Amount at which an asset can be bought or sold in a transaction between willing parties.
The termination of a policy due to failure to pay the required renewal premium.
It is a state assistance program, to provide hospital and medical expense insurance to people over 65 years of age.
Money charged for the insurance coverage reflecting expectation of loss.
Uncertainty including the possibility of loss by an unexpected event for which insurance is used for.
homeowners insurance sold to tenants living in the described property.
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
Insurance that will cover an employer’s liability for injuries or death to people in their employment
The amount that has to be paid by the insured person during a calendar year before the insurer is responsible for more loss costs