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Glossary: S
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  4. S

Glossary: S

S&L
Savings and Loan Association.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Safe Harbor
A set of rules and regulations that will guarantee compliance with the law, if followed.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Safe Rate
An interest rate provided by low-risk investments such as high grade bonds or secured first mortgages.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Sale-Leaseback
A technique in which a seller deeds property to a buyer, who simultaneously leases the property back to the seller.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Sales Contract
An agreement between a buyer and seller to purchase real estate. A sales contract, also known as an offer to purchase or a binder, secures the right to purchase real estate upon agreed terms for a limited period of time. If the buyer changes his mind or is unable to purchase, the earnest money that was paid is forfeited unless the binder expressly provides that it is to be refunded.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Sales Disclosure
A state specific form that may need to be filed, disclosing everything about the sale of the home.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Salesperson
A person who is licensed to make real estate transactions while under the supervision of a broker licensed by the state.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Search and Exam Fee
A fee charged by a title company or attorney in some states to perform a check of the title records that verifies the buyer is purchasing a house from the legal owner and there are no liens, overdue assessments, or other claims filed that would adversely affect the transfer of the title. For our comparison purposes, a search and exam fee is considered to be a third party fee and may be included in the title insurance fee by some lenders.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Search and Survey
A fee charged by a title company in some states to perform a check of the public record to verify that the buyer is purchasing a home from the legal owner and there are no liens, overdue assessment, or other claims that would adversely affect the transfer of title. In addition, a search is performed to insure that there are no issues that a survey would show that could affect the property. For our comparison purposes, a search and survey fee is considered to be a third party fee and may be included in the title insurance fee by some lenders.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Search Fee
A fee charged by a title company or attorney in some states to cover the cost of searching the public record to make sure the buyer is purchasing a house from the legal owner and there are no liens, overdue assessments, or other claims filed that would adversely affect the transfer of the title. For our comparison purposes, a search fee is considered to be a third party fee and may be included in the title insurance fee by some lenders.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Second Mortgage
A loan that has a lien position subordinate to the first mortgage.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Secondary Mortgage Market
The buying and selling of existing mortgages, primarily residential first mortgages.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Secured Loan
A loan that is backed by collateral.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Security
The collateral offered to a lender in exchange for a loan. When a lender provides a mortgage, you provide your home as the security. This means that if payments are in default, the lender has the right to take title to the property.
Tagged under:
  • FAQ Glossary Help
  • Glossary: S
Security Interest
The lender's right to take property that has been offered as security.
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  • Glossary: S
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