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VA guarantee |
An insurance contract for which the Veterans
Administration (VA) guarantees the lender's recovery of a designated percentage
of the loan amount from the insurer in the event that the borrower defaults on
the loan |
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VA loan, or Government
mortgage |
A mortgage loan available to qualified military
veterans which is guaranteed by the Department of Veteran Affairs, usually
offering either no down payment or a low down payment |
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Valuation |
The estimated of value of a
property |
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Variable rate mortgage, or Adjusted rate
mortgage |
A mortgage with interest rates that may
fluctuate based on market conditions |
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Verification of Deposit |
A statement signed by the borrower's financial
institution that verifies the current balances in the borrower's
accounts |
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Verification of
Employment |
A statement signed by the borrower's employer
that verifies the borrower's current position and salary |
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Vest |
To pass an immediate right on to a
person |
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Vested |
Having the right to withdraw a percentage of a
fund before its agreed-upon maturity date; e.g., the percentage vested to
individuals with retirement funds differs; if someone is 80% vested, that means
they can only withdraw 80% of the funds set aside for them until its
maturity |
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Department of Veterans Affairs
(VA) |
A federal agency that insures residential
mortgages made to eligible military veterans, which thereby encourages loans
being made to veterans |
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| Q |
In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?
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| A |
Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen. |
 See More Real Estate Trivia > |
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Sherry (Zellars) Brower & Phil Brower
Realteam Real Estate Center
296 W Sunset Ave.
Coeur d'Alene, ID. 83815
Direct Line to Phil: 509-993-3644
Home office Phone: 509-892-1086
Fax: 509 279-0559
Sherry's cell : 208-661-0191
Email: phil@lakecityteam.com
Email: cdapeanut@yahoo.com
SHERRY is a 17 yr Realtor who is the administrator. She works behind the scenes. Phil IS ONLY ONE CALL OR E-MAIL AWAY FROM HELPING YOU FIND THE RIGHT PROPERTY!! WHETHER IT'S A SMALL COTTAGE, A BRAND NEW HOME, A LUXURY WATERFRONT ESTATE, 5 ACRES OF RAW LAND, OR A DUPLEX, he is constantly previewing all newly listed properties.
When you hire us (at no extra charge to you) we will give you our full attention starting with, LISTENING to your NEEDS & DESIRES, e-mailing you lots of PROPERTY PHOTOS to review privately, recommending experienced lenders with the BEST LOANS, suggesting favorite ACCOMODATIONS for your visit, showing you YOUR CHOICE of properties, negotiating for your BEST INTERESTS, recommending INSPECTORS who have a critical eye, TITLE Companies to expedite the paperwork, & recommending CONTRACTORS to make the property your own.
We specialize in helping you make your next move the best you've ever had!!
Representing a dedication to his profession, Phil is a candidate of the Certified Residential Specialist designation.
Phil would love to talk to you about your real estate needs and get you started toward owning property in North Idaho, so call him today!     
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