This abbreviation is a shorthand way of showing your affection to your partner. HDW, HWF, hdwd - This means there is hardwood flooring in the home. On online spaces with younger users, BB might also stand for bad b****, a term of endearment for women with a dominating personality. Title Records posts and articles. Abbreviations on the list may have capitalization variations. "Bedroom" usually means a sleeping area with a window and a closetin some areas, laws define what a room needs to be called a bedroombut the . Fees associated with the purchase of a home that are due at the end of the sales transaction. It may also give the breakdown of the number of floors, size of the rooms and their location within the home. Bsmt Basement A policy that protects the structure of the home, its contents, injury to others and living expenses should damage occur. A real estate agent will request a pre-approval or pre-qualification letter before showing a buyer a home. Homes can sit on the market for a long time, and prices tend to drop. Read more about FHA loans here. A government agency chartered by Congress in 1970 to provide a constant source of mortgage funding for the nations housing markets. MWV Microwave Oven DOS Due On Sale Clause Dk Deck What Does FS Mean, and How Do You Use It? If you need help understanding your mortgage or contract, these are some of the more common real estate, legal, and financial abbreviations youll see. A visual evaluation performed by a licensed home inspector to look for any potential defects or items of note related to the property, building(s), and the systems in a home. You can use BB to mean basketball, especially in internet communities dedicated to the sport. FMV Fair Market Value Conditions written into a home purchase contract that protect the buyer should issues arise with financing, the home inspection, etc. A half bathroom or powder room has only a toilet and a sink. CLHMS Certified Luxury Home Marketing Specialist Personal property is movable property. CVAC Central Vacuum I/O Interest Only (loan) You might expect an up-and-coming neighborhood to be artsy and hip but that's not always the case. A/G PL : Above-ground swimming pool. CPM Certified Property Manager Learn, A home loan not guaranteed by a government agency, such as the FHA or the VA. Read, A certain portion of the homes purchase price that a buyer must pay. NOI Net Operating Income SPC Drive parking spaces Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. The most credit-worthy customers (mainly large corporations), receive the best or lowest rate that the lender would offer any of its customers. The. Before you buy, consider what the neighborhood will look like in the long term and if you want to live in a neighborhood that's still in the process of change. Mstr Master bed room END End Unit These structures can be both above and under the ground. Most real estate agents use similar abbreviations as part ofreal estate lingo, so once you get the jist, you can read any listing with confidence. In fact,44 percentof all buyersstart their search by looking at properties onthe internet., Butwith relatively new terms likeexpiredandpendingentering thelexicon,andunclearshorthandandacronymslittering listings, deciphering real estate lingo can be tricky., If youre tired of all the jargon, or just plain confused,hereare somerealestatetermsto knowsoyoucan kick off your home search without a hitch., Active:The property is currently on the market and available for sale., Active contingent:The home is under contract,meaning the seller has accepted an offer from a buyer.However,certain conditionsmust be metbeforethe sale is finalized, which are known as contingencies.Thesemight includethesellerneeding toreceivemortgage approvalorthebuyer and sellerneeding toreachan agreementabout anyrepairs afterahome inspectionis performed., Active with contract (AWC):While the propertyhas apurchase agreementpending on it, it is still availableand beingshown to other potential buyers. Smart mortgage shoppers apply for at least two loans and use the loan estimates to determine which lender they want to use. Cap rates can provide valuable insight into a property. A ratio that compares a home buyers expenses to gross income. LR with Fplc? CNS Certified Negotiation Specialist There are five main categories of real estate. HPWA Water/Air Ht Pump FM RM Family Room PRV, PVCY FENCE Privacy Fence Q POS Available for quick possession Yes! FDR/DR Dining room or a formal dining room ABS Assessment / Bill of Sale Assessment, Mineral/Oil & Gas. You may want the retreat, but ask yourself if you're truly ready for all it entails. There are often additional notes with details that don't fit into the standard listing formula. Learn, Private Mortgage Insurance or PMI, is a monthly mortgage insurance premium paid by a borrower for a mortgage insurance policy. MOPOA Monthly POA Fee RTO Rent To Own Most lenders will require title insurance to protect their interests should there be outstanding liens on the property securing their security interest. Investors will also want to consider the return on investment (ROI), internal rate of return (IRR . Disclaimer: ActiveRain, Inc. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. Back Bay + 1 1. AC Acre If you have made your required monthly payments, at the end of the loan term (e.g., 15 or 30 year mortgage), you will own your home. Those real estate terms and definitions should give you a good start when it comes to understanding your real estate agent and the listings they . These abbreviations are typically written in all capital letters. Since we launched in 2006, our articles have been read billions of times. Zillow Group is committed to ensuring digital accessibility for individuals with disabilities. The owner has removed the property from the listings for an undetermined period, usually because work is being done on the house or because the home cannot be shown. Be sure to read the fine print carefully. It's anything that can be subject to ownership, except land. W/W CRPT Wall To Wall Carpet That could mean the seller is still open to accepting an offer, so its worth touching base if your curiosity is piqued. But if not, you'll want to factor in the cost ofrenovationsbefore deciding if this home is both in your budget and worth a visit. Look for this accreditation or something similar when shopping for a home inspector. A property repossessed by a bank when the owner fails to make mortgage payments. SKY Skylights GLF Golf Course PICK Picket Fence The line items should look similar to what a borrower sees on their loan estimate when first applying there are limits to how much any fees can change in the time period between application and closing day, so borrowers should review their closing disclosure closely and ask their lender about any changes. FFE furniture, fixture, and equipment SPAC Spacious CMA:Comparative market analysis or competitive market analysis. You dont need a real estate license to find your dream home, but it does help to become familiar with real estate jargon you might encounter during the process. Before you go to a showing, do a little more research to see if the home has a local reputation, so you'll be prepared for any oddities you may encounter. FSBO For Sale by Owner POR, POR-S Porch/Screened WIC Walk-in closet, ARV After-Repaired Value It may sound charming, but a house that's described as having lots of character could look just plain weird in person. It is in fact a real word (but that doesn't mean . Bonus information may be placed in "Other" field. PITI Principal, Interest, Taxes and Insurance WTR Water REI Real Estate Investing ARI Articles of Incorporation Notice, certificate. BKYD Backyard ELE Electric OWN Owner Financing Related:7 Features That Define the New American Home. Get the top BB abbreviation related to Real Estate. CRE Creative Real Estate This claim belongs to a third party, who can either be an organization or an individual. It is only recommended to perform title, lien, and property record searches before you get too far we advise doing your due diligence. NONQ Non-Qualifying Dr -Dining Room All rights reserved. Typically, putting away 5% of the rent . WF Waterfront PRO Internet Professional PMI Private mortgage insurance There is no MLS covering the whole country. The seller has an accepted offer but is waiting to see if the buyers bank will agree to it, says Realtor Dawn Rivera with Realty World-Viking Realty in Fremont, CA. REO Real Estate Owned ALM Aluminum Siding OFC Office If your mortgage doesnt have an escrow account, you may pay the property-related expenses directly. GAR, GR Garage If you see a bathroom or kitchen described as vintage, that means theyre old. REAL ESTATE DEED ABBREVIATONS AND ACRONYMS. and Learn, Repayment of a mortgage over the loan term through regular monthly installments of principal and interest, based on an amortization schedule. 4B/2B: Four bedrooms and two bathrooms. Real Estate Definition. If you go on online forums, BB might be shorthand for bulletin board, and themarkup language used on these websites is called BBCode. Since many phrases can be shortened to BB, this acronym might refer to other things online. Affordability or home affordability refers to the amount of money you can comfortably afford to spend on a home. Related:The Best 10 Plants to Grow for Backyard Privacy. UNO Unit Number EIK Eat in kitchen SQ FT Square Feet FML Formal DCR, DSCR, DSR Debt Service Coverage Ratio OVER Oversized Garage RVR River F/A Ht, FAH Forced Air Heat O/F Owner Finance GNMA Ginnie Mae or Government National Mortgage Association Try our amortization calculator to learn more. ASB Asbestos Siding MULTI 3+ Car Garage After all, custom upgrades (like any decor choice) reflect the taste of the previous owner, and may or may not be to your taste. A deed is the legal document that establishes ownership of real property, and is also used to transfer the ownership of real property to another person or entity. A CMA is a report that shows prices of homes comparable to a subject home and that were recently sold, are currently on the market or were on the market but not sold within the listing period. LR Living room 1 meaning of BB abbreviation related to Real Estate Advertising: Vote. Dry Clothes Dryer Only those representatives with Advisor in their title or who otherwise disclose their status as an advisor of NMWMC are credentialed as NMWMC representatives to provide investment advisory services. Canadian Real Estate Association, the national association for Canada. Lock box:Locked key-holding device affixed to a for-sale home so real estate professionals can gain entry into the home after obtaining permission from the listing agent. This means the seller has an accepted offer and an executed contract, and all the contingencies have been met, so the home is pending sale. How have you been?. DET Detached garage RDR Radiator One of two debt-to-income ratios that a lender analyzes to determine a borrowers eligibility for a home loan. Business 2-LV : Two living levels. SRO Single Room Occupancy OA Owner Agent AEK All electric kitchen Be sure to read the fine print carefully. Dollar (D): If a set dollar figure is offered instead of percentage, use the "D" to represent the dollar figure being offered as commission. HIST Historical District Cont Contemporary The Mission of the Ann Arbor Area Board of REALTORS:To strengthen our REALTOR community through advocacy, collaboration,education, innovation and civic engagement. Det Detached Garage D/D Dishwasher and a garbage disposal One who originates, sells, and services mortgage loans and resells them to secondary mortgage lenders such as Fannie Mae or Freddie Mac. Insurance that protects the buyer and lender should an individual or entity step forward with a claim that was attached to the property before the seller transferred legal ownership of the property or title to the buyer. Keep this five-part guide handy youll be fluent in the language of home buying before you know it. DLO Seller Disclosure Read more about mortgage insurance. Read, more about the Buy-Rent Breakeven Horizon here, The sale of a home by an owner who owes more on the home than its worth. A government agency created by the National Housing Act of 1934 that insures loans made by private lenders. GRI Graduate REALTOR Institute WBS Wood-Burning Stove Real estate agents and other real estate professionals often need to have specific certifications and may work with or belong to different associations or groups. The Federal Housing Administration is part of the U.S. Department of Housing and Urban Development. Join 425,000 subscribers and get a daily digest of news, geek trivia, and our feature articles. This is important, as identifying a property's class can predict how the asset might perform. CATH Cathedral ceilings When a home listing touts its custom features, take care. A lien is any legal claim upon a property for a debt or a non-monetary interest in the property. ELV Elevator Its a set of lender-specific fees that are part of your costs when closing a mortgage loan. Whether you're ready to buy your first home or just need an acronym refresher, keep this glossary handy. GRNO Ground Maintenance YD Yard Before you jump on a house with a "too good to be true" price, you need to understand how the short sale process works and connect with your real estate agent for more details. The price of a home, as set by the seller. The governments legal claim against property when the homeowner neglects or fails to pay a tax debt. SEC Security System Try. SPLT Split-Level BLDRS REDO Builders Renovation Bring vs. Take. A mortgage with principal and interest payments that remain the same throughout the life of the loan because the interest rate does not change. Read, A property repossessed by a bank when the owner fails to make mortgage payments. Step 3: You then find tenants in 30-60 days to take over the two . MAO Maximum Allowable Offer Its a set of lender-specific fees that are part of your costs when closing a mortgage loan. MO Month The ratio compares the borrowers monthly debt payments to gross income. REALTOR:Areal estate broker or sales associate who is a member of the National Association of REALTORS. BB is most commonly used on the internet (and in text messages) as an abbreviated form of baby. However, baby in this context is used as a pet name or term of endearment for your romantic partner and not an infant child. When offering a selling bonus to a selling broker, the listing broker must specify the terms of the bonus offer according to the following guideline code: B dollar amount/terms/expiration date of offer (if applies), Examples: B1000/APT/010113 ($1000 Bonus on Accepted Price & Terms Offer Good until January 1, 2013) B1000/FPT/010113 ($1000 Bonus on Full Price & Terms Offer Good until January 1, 2013). Percentage (P): The first digit being the full percentage point and the second digit being the partial percentage (no decimal is used). All abbreviations on this list are typically written in all capital letters. Reading real estate advertising acronyms can sometimes feel like trying to parse ancient Greek: EIL with a W/D? HDWD Hardwood Not all products and services are available in all states. The owners bank must approve a lower listing price before the home can be sold. 3B/2B - three bedrooms and two bathrooms 2C - two-car garage A/C - air conditioning Appls - appliances Apt - apartment Ba - bathroom Br - bedroom CAC - central air conditioning Ch - central heat Read, A clause or addendum to a real estate contract or offer that states a buyer is willing to raise his or her offer price to a predetermined amount if the seller receives a higher competing offer for the property. Loans from private lenders that are regulated and insured by the Federal Housing Administration (FHA). Fixtures are a frequent subject of buyer and seller disputes. SFH Single Family House A real estate agent will request a pre-approval or pre-qualification letter before showing a buyer a home. Our belief in better is at the core of everything that we do, every day. The content on this site is not intended to provide legal, financial or real estate advice. The difference between the two is usually fairly . CRS. Cth Cathedral Ceiling CMA Comparative Market Analysis One of two debt-to-income ratios that a lender analyzes to determine a borrowers eligibility for a home loan. What is BB meaning in Real Estate Advertising? TRC Trash Compactor You can email the site owner to let them know you were blocked. WDSTV Wood-Burning Stove SPDED Special Warranty Deed KIT, KT Kitchen UTCL Utility Closet FIN LL Finished lower level MLS - Multiple Listing Service; database of real estate for sale, Smart -a computer controls some electronic devices like heating, alarms, and lights, CCIM Certified Commercial Investment Member, PITI principal, interest, taxes and insurance, CCR conditions, covenants, and restrictions, ACRP - Association of Commercial Real Estate Professionals, CHMS Certified Home Marketing Specialist, CLHMS Certified Luxury Home Marketing Specialist, FDIC Federal Deposit Insurance Corporation, FEMA Federal Emergency Management Agency, FHLMC Freddie Mac (Federal Home Loan Mortgage Corporation), GNMA Ginnie Mae (Government National Mortgage Association), REALTOR Member of the National Association of Realtors. HOA Homeowners association 4 Misconceptions Buyers and Sellers Have About the Housing Market, 10 Hottest Housing Markets of 2023, and What to Know if Youre Shopping in One, 13 Home-Buying Myths to Unlearn Right Now, 10 Hottest Housing Markets of 2023, and What to Know if You're Shopping in One, Do Not Sell or Share My Personal Information, 442-H New York Standard Operating Procedures. SMART Typically computer-controlled heating and cooling, alarms, lights etc. Who doesnt get a thrill while browsing real estate onsites likeZillow or Trulia?Window-shopping for housesonlineis oneof the mostfun partsof the homebuying process. If you hang around social media circles and forums that talk about TV, BB might also stand for Big Brother, a prominent reality show franchise involving a group of strangers living together in the same house. After the set time period your interest rate will change and so will your monthly payment. Membership isnt open to the general public, although selected MLS data may be sold to real estate listings web sites. AJ Affidavit of Joint Tenant Deed. BB is ubiquitous in modern relationships between young people, where direct messages and chat apps are primary forms of communication. SLT Slate We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. A "default" occurs when a borrower does not make his or her mortgage loan payment and falls behind. If thats your style, you're in luck. A three-quarter bathroom has a toilet, a sink and a shower. SAT Satellite Dish All Rights Reserved. FXR Fixer Upper MAO Maximum Allowable Offer All of these abbreviations are commonly used to describe the features of a house or commercial property. MTG Mortgage APR Annual Percentage Rate Maximum loan amounts can vary by county. STR On Street Parking What sounds impressive on paper may look less appealing in person. Cdrcl Cedar Closet SEW Sewer HBR Harbor It is not Zillows intention to solicit or interfere with any established agency relationship you may have with a real estate professional. SHOP Workshop FPLC, FP, FRPLC Fireplace During this time, the home is inspected and appraised, and the title is searched for liens, etc. But unlike an AWC, the property is no longer available forshowings., Whileabbreviations and acronymsfor property descriptionsvary by listingand source,thetermsbelow canbe used as a general guide to help you translateanything unfamiliar.If youre still unclear whata shorthand is referring to,reach out to the listing agent., As-is:Theowner is selling the home in its current condition and willnot makeanyrepairs orcorrect any flaws with the property., OLREA:Owner is a licensed real estate agent. Vann Vicente has been a technology writer for four years, with a focus on explainers geared towards average consumers. You can also use BB as a platonic but affectionate nickname for a friend, especially if you have a strong and established friendship. Click to reveal These contingencies fall away as tasks are completed, saysMelanie Atkinson, a Realtor with Coldwell Banker Residential Real Estate in Tampa, FL. Not all Northwestern Mutual representatives are advisors. The number of days a property listing is considered active. This website is using a security service to protect itself from online attacks. An encumbrance can create a cloud on the title of a real property. If they were not used, the ads for a home could get quite lengthy. WLKIN Walk-in Closet Press F to Pay Respects: What Does F Mean Online? GRM Gross Rent Multiplier A thorough assessment of a borrowers income, assets and other data to determine a loan amount they would qualify for. WDSTV Wood Burn Stove After all, you wouldn't want to get stuck with a money pit. PWDR RM Powder room or half bath Contingent vs. under contract? POF Proof of Funds 4/3 4 bedrooms / 3 bathrooms Fha Forced Hot Air JTUB Jetted Tub When you purchase through our links we may earn a commission. FHA Federal Housing Administration Read more about pre-qualification here. LPOA Limited Power of Attorney Investment advisory and trust services are offered through Northwestern Mutual Wealth Management Company (NMWMC), Milwaukee, WI, a subsidiary of NM and a federal savings bank. F/BSMT Fully finished basement Chn Chain Link Fence The four items include, repairs, vacancy loss, property management, and miscellaneous. Have questions about buying, selling or renting during COVID-19? Crystal R. BCH Beach REC Recreation Room POA Power of Attorney A policy that protects the structure of the home, its contents, injury to others and living expenses should damage occur. Usually, the realtor's website will give a good description without the real estate abbreviations. to see how much house you might be able to afford. LOI Letter of Intent PMP Well Pump The amount of the loan divided by the price of the house. This browser is no longer supported. SN Senior CAP Capitalization Bulk Bulkhead ARM Adjustable Rate Mortgage HML Hard Money Lender to cover taxes and insurance. TXS Taxes RELATED: What Does "TMI" Mean, and How Do You Use It? HWH Hot water heater BA Bath Cozy Charm. WAR Warranty Plan Zillow, Inc. holds real estate brokerage licenses in multiple states. One loan covers 80% of the homes value, another loan covers 10% to 15% of the homes value, and the buyer contributes the remainder. BR Bedroom PULL Pull-Down Attic Stair The "P" represents percent. The seller has an agreed-upon contract with the potential buyer. F-bmt Finished Basement Agents use this status to indicate that the seller is open toreceivingbackup offersbecause the sale may not go through., Back onthemarket (BOM):The propertyhas becomeactive again,afterrecentlybeingtaken offthemarket., Closed (CL):The property has been sold and is no longer available., Expired:The property is no longer available for saletypically because the seller could not find a buyer., Pending:Thepropertyis under contract and all contingencies have beenfulfilled, but the settlement still needs to take place., Temporarily off market (TOM):The home is not currently available for saleandshowings arenotallowed,butitwillsoon beback on the market. Other internet-specific definitions for BB include bye-bye, a largely defunct acronym that was more common in the early days of the internet. We select and review products independently. Fab pentrm:Fabulous pentroom, a room on top of the housebut under the roofthat has great views. Real estate owned (REO) properties are homes that have fallen under the ownership of a mortgage lender or investor, typically because the property failed to sell at auction. Longterm care insurance is issued by Northwestern Long Term Care Insurance Company, Milwaukee, WI, (NLTC) a subsidiary of NM. 18 Big Storage Ideas to Steal from Tiny Homes, The 12 Fall Home Maintenance Tasks You Can't Ignore, 7 Features That Define the New American Home, 9 Ways Your Neighbors Can Screw Up Your Home Sale, 10 Signs That Fixer-Upper Might Be a Money Pit, 12 Things Realtors Look For in Homes of Their Own, The Best 10 Plants to Grow for Backyard Privacy, 15 Warning Signs to Look for Before Making an Offer on a Property, Data Shows This Listing Trick Sells Homes for More Money, As-Is Real Estate: What Buyers and Sellers Need to Know, 15 Things Not to Say in Your Real Estate Listing, Watch Out for 12 Real Estate Tactics Designed to Make You Spend More, 11 Awful Real Estate PhotosAnd How to Make Yours Great, 12 Things You Don't Realize Are Annoying Your Neighbors. A property was withdrawn from the realty market. A state in which an escrow agent is responsible for closing. And the real estate business is no different. LLC Limited Liability Company There are multiple reasons why homes become REO properties, the biggest one being that the home went into foreclosure. VYL Vinyl Not all real estate agents are REALTORS. UTLVL Utility Room Level NYSAR New York State Association of Realtors This website is using a security service to protect itself from online attacks. This means that aproperty is currently on the market and available for sale. How-To Geek is where you turn when you want experts to explain technology. Check out our glossary of frequently-used mortgage terms. Anne Miller lives in New York and writes real estate news and advice stories. But the cap rate is not the only metric used to evaluate a real estate investment. The fee, 0.3% to 1.5% of the yearly loan amount, can be canceled in certain circumstances when the borrower reaches 20% equity. PL/A Above Ground Pool EMC Earnest money contract Not all mortgages carry a prepayment penalty. LR Living Room Even if the property you are buying has been newly renovated, expect to set aside money every month for repairs and maintenance. REL Related to Seller Loans from private lenders that are regulated and insured by the Federal Housing Administration (FHA). Related:12 Ideas to Steal from Vintage Kitchens. W/D Washer/Dryer Related:18 Big Storage Ideas to Steal from Tiny Homes. Prepaid interest owed at closing, with one point representing 1% of the loan. Affordability or home affordability refers to the amount of money you can comfortably afford to spend on a home. GRES Graduate Real Estate Society If youre going to use BB in a platonic way, then you can get away with simply inserting it in a casual text. PRQ Parquet Tiny houses are a trend, for sure. When searching for a home or applying for a mortgage, you may hear your real estate agent or lender use any of the terms or acronyms below. When this happens, he or she risks the home heading into the foreclosure process. A percentage of the homes value owned by the homeowner. Bung Bungalow Fees may include the appraisal, the home inspection, a title search, a pest inspection and more. INT Intercom BA Bathroom WIN Window/Wall Unit RAD Radiant Heat A reduction in taxes based on specific criteria, such as installation of a renewable energy system or rehabilitation of a historic home. The property is sold and no longer available. Click to reveal Closing costs are generally paid through escrow. Investment brokerage services are offered through Northwestern Mutual Investment Services, LLC (NMIS) a subsidiary of NM, brokerdealer, registered investment advisor, and member FINRA and SIPC. Dsp Garbage Disposal is part of the U.S. Department of Housing and Urban Development. R/OPT Rent w/Opt-Buy 7 meanings of BB abbreviation related to Real Estate: Real Estate. Take a close look at the map before you head out to the hills to determine the listing's proximity to civilization. A homeowners insurance policy that pays the replacement cost of a home, minus depreciation, should damage occur. MIC Mint Condition (like new or new) BR Bedroom How to use real estate in a sentence. Percentage (P): The first digit being the full percentage point and the second digit being the partial percentage (no decimal is used). HUD Department of Housing and Urban Development Care starts with culture. If you have the money to hire a handyman for every household woe, go ahead. The New Outlook Is Opening Up to More People, Windows 11 Feature Updates Are Speeding Up, E-Win Champion Fabric Gaming Chair Review, Amazon Echo Dot With Clock (5th-gen) Review, Grelife 24in Oscillating Space Heater Review: Comfort and Functionality Combined, VCK Dual Filter Air Purifier Review: Affordable and Practical for Home or Office, LatticeWork Amber X Personal Cloud Storage Review: Backups Made Easy, Neat Bumblebee II Review: It's Good, It's Affordable, and It's Usually On Sale. Buyers should budget for an amount that is 2% to 5% of the homes purchase price. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. A minimum requirement is often dictated by the loan type. DTI Debt to Income Ratio A concrete point at which buying a home makes more financial sense than renting one. Commonly Used Real Estate Abbreviations and Acronyms for compiled and available to the public. They charge dues used to maintain common areas. Contingency:A provision of an agreement that keeps the agreement from being fully legally binding until a certain condition is met. MAR Marble BBbb. Foyr Foyer The ratio compares total housing cost (principal, homeowners insurance, taxes and private mortgage insurance) to gross income.

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