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Hazard insurance |
Insurance protection for specified losses due to
natural causes, such as fire, floods, earthquake, tornadoes, and other "acts of
God" |
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Heir |
An individual who will potentially inherit an
interest in land from someone who dies |
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Hiatus |
A gap or space between two parcels of lands that
is not included in the legal description of either parcel |
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Home equity line of credit, or Home equity
loan |
A mortgage loan (usually not the primary
mortgage) or line of credit which gives the property owner the option to obtain
cash advances from the loan proceeds, using his or her residence as collateral,
but which is not to exceed a pre-arranged amount of the owner's total equity in
the property |
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Homeowners' association |
A nonprofit association of individual owners of
units in a multi-unit structure (either a planned unit development, or a
condominium) that manages the common areas of that structure. In a planned unit
development (PUD) project, the association holds title to the common elements,
whereas in a condominium project, it holds no title to the common
elements |
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Homeowner's insurance |
An insurance policy available to residential
real estate owners that protects homeowners against financial loss from fire,
theft, public liability, and other risks |
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Homestead |
Real estate that is owned and utilized as the
primary family residence, protected in some states as exempt from the claims of
creditors |
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Homestead deed |
A document filed in the land records asserting a
homestead exemption, protecting a variable amount of his assets (depending on
which state) against the claims of creditors |
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Housing ratio, or Debt-to-income
ratio |
The percentage that results from dividing a
borrower's housing expenses by his/her gross monthly income, used by the lender
to evaluate an applicant's qualification for a loan |
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HUD-1 statement |
The document used in closing a real estate
transaction (also known as a "closing statement" or a "settlement sheet") which
itemizes the funds that are payable at closing, including broker commissions,
loan costs, and escrow amounts, and which provides a summary of the seller's
net proceeds and the buyer's net payment at closing. It is required by the US
Department of Housing and Urban Development (HUD) whenever federally-related
mortgages are being made on residential properties |
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Did I Miss the Word YOU Are Looking For? Is there a real estate word that I failed to explain here in my dictionary for homebuyers and sellers? Let me be your personal real estate dictionary! I'll send a brief explanation of any word or term that you encounter when buying and selling property. Do you have a suggestion of a real estate word that should be included? Let me know! I always appreciate feedback. Do any of these definitions raise questions for you? Didn't find the word you're looking for? Let me know! I'm happy to answer ANY questions. It's my job! There's no obligation, and I promise to get back to you quickly...
| Q |
What is the only land in the world that has not been walked on by human feet?
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| A |
A small 200 square-mile section of Antarctica is the only terrain on Earth that not one person has stepped foot on.
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 See More Real Estate Trivia > |
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Derya Martin
Meybohm Realtors
6004 Evans Town Center Boulevard
Evans GA 30809
706-664-7774
Fax: 877-664-7774
deryamartin@gmail.com: deryamartin@NUMBER1EXPERT.com
Born and raised in Germany, I moved to the United States in 2004 and I have spent the past 6 years dedicated to the realms of real estate, specializing in regular and military relocation. My husband currently works for the army as a firefighter, but was previously enlisted, resulting in my experience in relocation.
I feel that I have been directly led to this chapter of real estate due to my experiences and skill set. Being involved in relocations personally has given me a thorough understanding of the process as well as allowed me to really connect with the emotions and concerns clients may be experiencing. I've been there.
I can easily step into a clients' shoes to really relate with their needs having been the client so many times in the past. Moving is hard, especially when you have a family to uproot. Working with a relocation specialist that has a vast knowledge with the areas they cover is very important. That's why I make sure to be prepared for any questions my clients may have.
I am trilingual in English, German and Turkish, allowing me to work with a wider range of clients and I love it. Being able to experience different cultures and values held by clients is a definite perk for me. Knowing that I am able to have a positive impact on someone's moving experience actually means a lot to me, because I've been there. I've experience those ups and downs, those potential worries that sometimes appear.
Moving can be stressful, because aside from the packing and organizing, you're leaving what's familiar to you. As a relocation specialist, I will come to the table with full confidence and knowledge to enable me to provide assistance. I strive to be the best that I can be and to leave my clients happy and comfortable.
Let me show you what a relocation done right is like. Moving can be overwhelming to begin with; I want to make the difference.  
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