A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

R

Radon	A radioactive gas that can cause health problems if present in sufficient concentration, found in some structures
Rate cap	In an adjustable-rate loan, the ceiling on the amount that the interest rate can be increased at each adjustment
Rate lock, or lock-in	A commitment to a specified fixed interest rate for a designated period of time, issued by a lender
Real estate agent	An individual trained and licensed to negotiate the sale of real estate on behalf of the property owner
Real estate investment trust (REIT)	An organization of individuals who purchase certificates of ownership in the trust, which then invests their money in real property, distributing the profits back to the individual investors free of corporate income tax
Real Estate Settlement Procedures Act (RESPA)	A federal consumer protection law that requires certain disclosures of lenders to consumers relative to mortgage loans
Real property	Land and appurtenances permanently on it, including buildings, trees, minerals, and the interest, benefits, and inherent rights thereof
Realtor	A real estate professional who holds active membership in a local real estate board that is affiliated with the NATIONAL ASSOCIATION OF REALTORS®
Realtor®	The registered trademark reserved for the sole use of members of local Realtor boards affiliated with the NATIONAL ASSOCIATION OF REALTORS®; other real estate professionals who do not belong to the local board may not advertise themselves as Realtors
Recision	The cancellation or annulment of a transaction or contract based on law or by mutual consent
Recording	The entering or noting of documents affecting all transactions of real estate in the recorder's office in each county, making it public record; until recorded, a mortgage or deed is usually not valid against subsequent buyers
Recording fees	Payment made to the lender for recording the sale of a property with the county office
Refinance	To obtain a new mortgage loan on a property already owned
Regulation Z	A federal law that requires disclosure by a credit institution or lender of the terms, conditions, and full cost of a loan or mortgage, including the annual percentage rate and any other charges, to the borrower when they apply for the loan
Remainder	An interest in land that is postponed until the termination of some other interest
RESPA	Abbreviation for the Real Estate Settlement Procedures Act, which is a federal law that requires lenders to provide information on estimated settlement costs, which is available for review by the buyers one time after application, and again once prior to or at the closing
Restrictive covenants, or Protective covenants	A provision in a deed that limits how real estate ownership may be used
Reverse-annuity mortgage (RAM)	A loan or mortgage whereby the amount of the monthly payments the borrower receives is based on accumulated equity, rather than on the agreed-upon total sum loaned
Reversion	A clause in a transfer of title that returns the property to the grantor upon specified events or occurrences happening
Right of first refusal	The right specified in an agreement to have the first opportunity to purchase or lease a given property before it is offered to others, or alternately, the prior right to purchase a property based on the same terms made by another buyer that were acceptable by the seller
Right of survivorship	In joint tenancy, when one of the joint tenants dies, the right of the survivors to the deceased's interest in the property
Right-of-way	Permission to pass across the property of another
Riparian rights	The right of an owner of property to make use of waterways adjoining the property

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Real Estate Tips First Time Buyers >Credit Card Common Sense If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation. People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit. Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table. See All Tips In The "First Time Buyers" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories > Real Estate Trivia Q  What island in the St. Lawrence River was given away on a television game show in 1964? A  Price is Right Island was given away by Bill Cullen on "The Price is Right." See More Real Estate Trivia >

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Andy Hall and Diane Broussard RE/MAX Gold/ Premier Valley Real Estate 3375 Cameron Park Drive,Cameron Park 1768 Pleasant Valley Rd. Placerville,Cal. Office: 530-620-7108 Fax: 916-244-0238 mobile: 209-217-7707 mobile: 209-337-8172 Andy@AndyjHall.net Diane@ThinkDiane.com Welcome to our Real Estate web site. We have been developing and selling real estate for over 30 yrs. We own a horse ranch and understand the unique needs of the equestrian. We specialize in Horse,Ranch,Vineyard and Estate properties in El Dorado County, including Cameron Park,Shingle Springs and Placerville Ca.and Sacramento County including, Rancho Murietta, Sloughhouse and Wilton California, and San Joaquin County including, Clements and Lockeford ,Ca. These beautiful areas still offer a rural country lifestyle or charming towns and cities if you prefer. There are many horse and cattle ranches, golf courses, lakes and rivers to enjoy. We have also gathered information on Amador County, Ca. including, Ione, Plymouth, Jackson Valley ,and Willow Creek ,Ca. We included the South El Dorado County towns of Fairplay, Somerset and Mt. Aukum as well. Whether you ride horses or ATV’s we have the property for you. Planning on a vineyard? Check out the Shenandoah Valley , Fairplay Winery area or Clements , Lockeford or Woodbridge vineyards and wineries. We can save you time and money in locating real estate for sale throughout Sacramento,El Dorado and San Joaquin Counties. In addition, our team offers services to those looking to purchase rural type properties such as residential homes on land or bare land to develop later. Ask us---we will always strive to find the answers We are SHORT SALE SPECIALISTS Our team is very experienced in dealing with banks on short sales. Call us for advice on how to avoid a foreclosure thru a short sale. 209-337-8172 209-217-7707 Diane's DRE License#01085991 Andy's #01254531 www.PremierValleyRealEstate.com is brought to you by Diane Broussard and Andy Hall Team, real estate for El dorado Hills, Shingle Springs, Cameron Park, Wilton and Galt, California Read Diane Broussard and Andy Hall Team's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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