"Your Loan Servicer"
Loan Servicing for Brokers, Private Lenders and Sellers in Seller Carry Back Financing
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Abandonment – The voluntary relinquishment of rights of ownership
or another interest (such as rights to an easement) by failure to use the property,
coupled with an intent to abandon (give up the interest).
Abatement – A reduction or decrease. Usually applies to a decrease
of assessed valuation of property for ad valorem taxes.
Abstract of Judgment – A summary of the essential provisions of a court
judgment. (When this summary or abstract is recorded in the county recorder’s
office, in some states the judgment becomes a lien on the debtor’s property,
both presently owned or after-acquired.)
Abstract of Title – A summary of the public records relating to the title
to a particular piece of land. An attorney or title insurance company reviews
an abstract of title to determine whether there are any title defects which
must be cleared before a buyer can purchase clear, marketable and insurable
Acceleration Clause – Condition in a mortgage that may require the balance
of the loan to become due immediately, if regular mortgage payments are not
made or for breach of other conditions of the mortgage.
Access – The right to enter and leave a tract of land from a public way.
Can include the right to enter and leave over the lands of another.
Accommodation Recording - Recording of instruments with the county recorder
by a title company merely as a convenience to a customer and without assumption
of responsibility for correctness or validity.
Accretion – The gradual addition to the shore or bank of a waterway.
Acknowledgement – A formal declaration before a duly authorized officer
(such as a notary public) by a person who has executed an instrument that such
execution is his own act and deed. An acknowledgment is necessary to entitle
an instrument (with certain specific exceptions) to be recorded, to impart constructive
notice of its contents and to entitle the instrument to be used as evidence
without further proof. The certificate of acknowledgment is attached to the
instrument or incorporated therein.
Acre - A measure, usually of land, containing 43,560 square feet in any
Ad Valorem – “According to value”. A method of taxation
using the value of the thing taxed to determine the amount of the tax.
Adjustable-Rate Mortgage (ARM) – A loan with an interest rate that changes
periodically in keeping with a current index, like one-year treasury bills.
Typically, however, ARMs can’t jump more than two percentage points per
year or six points above the starting rate.
Administrator – A person appointed by the probate court to carry out
the administration of a decedent’s estate when the decedent has left no will.
If a woman is appointed, she is called an administratrix.
Adverse Possession – A process of acquiring title to real property by
possession for a certain (statutory) period of time, in addition to fulfilling
Affidavit – A written statement or declaration, sworn to before an officer
who has authority to administer an oath.
Agent – One who has authorization, either expressed or implied, to act
for or represent another party, usually in business matters.
Agreement of Sale – Known by various names, such as contract of purchase,
purchase agreement, or sales agreement according to location or jurisdiction.
A contract in which a seller agrees to sell and a buyer agrees to buy, under
certain specific terms and conditions spelled out in writing and signed by both
Amortization – A payment plan which enables the borrower to reduce his
debt gradually through monthly payments of principal and interest.
Annual Percentage Rate (A.P.R.) – The yearly interest percentage of a
loan, as expressed by the actual rate of interest paid. The A.P.R. is disclosed
as a requirement of federal truth in lending statutes.
Appraisal - An expert judgment or estimate of the quality or value of
real estate as of a given date.
Approved Attorney – In states where attorneys examine the chain of title
before title insurance is issued, the title company will approve certain attorneys
as those whose opinion it will accept for the issuance of a title policy.
Appurtenance – A right or privilege that is a part of the ownership of
property, such as a right of way to a highway across the land of another. Water
rights are also an example.
Assessment – (1) The valuation of real estate for purpose of taxes or
special improvement charges. (2) The amount of taxes or special improvement
charges. Special improvement charges are usually for the costs of streets, sidewalks,
Assignment – (1) The act of transferring an interest, such as a loan
secured by a mortgage, from one person to another. (2) The instrument or paper
by which one person transfers such ownership to another.
Assumable Mortgage – A mortgage which, by its terms, allows a new owner
to take over its obligations.
Attachment – Legal seizure of property to force payment of a debt.
Attorney in Fact - One who holds a power of attorney from another allowing
him or her to execute legal documents such as deeds, mortgages, etc., on behalf
of the grantor of the power.
Attorney’s Opinion - A statement by an attorney as to the validity of
a title, arrived at after investigation of the history of the title as recorded
in the public records
Servicing Hard Money Loans in California. Note Collection for California Trust Deeds. Private Lender Services for California Promissory Notes and Deeds of Trust. Your choice for California Speciality Loan Servicer. Contact us as your Hard Money Lender Note Collection. San Diego Hard Money Lender Note Service for Investors and Lenders. Pre Foreclosure Loan Servicer, Pre-Foreclosure Collection in California. Seller Carry Back Note servicer for seller carry back financing thoughout the state. Seller carry Back Note collection in San Diego and throughout California. Providing Loan Servicing for Lenders and Investors. Contact us at (619)298-4990 Unified Mortgage Service, Inc.
Loan Servicing by Unified Mortgage Service, Inc. visit us at www.umsi.biz. or call us at (619)298-4990.
We are Licensed by California Department of Real Estate, Real Estate Broker 01182001 and licensed through the Nationwide Mortgage Licensing System & Registry (NMLS) as NMLS 253301 and 253661.
This site is not intended as an advertisement or solicitation outside of California.
Thank you for visiting our loan servicing site. Please let us know if there is any way we can improve our loan service site.
Unified Mortgage Service, Inc. www.umsi.biz
Hard Money Loan Brokers: Thank you for your loan servicing referrals!