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ĂƉŝƚĂů ŐĂŝŶƐ ƚĂdž͗ dĂdž ƉĂLJĂďůĞ ŽŶ ƉƌŽĮƚ ŵĂĚĞ ŽŶ ƚŚĞ ƐĂůĞ ŽĨ Ă ĐĂƉŝƚĂů ĂƐƐĞƚ͕
ĂƐƐĞƐƐĞĚ ĂŶĚ ůĞǀŝĞĚ ĚŝīĞƌĞŶƚůLJ ĨƌŽŵ ŝŶĐŽŵĞ ƚĂdž͘
ĂǀĞĂƚ͗ /Ĩ Ă ĐĂǀĞĂƚ ŝƐ ůŽĚŐĞĚ ƵƉŽŶ Ă ƟƚůĞ ƚŽ ůĂŶĚ͕ ŝƚ ŝŶĚŝĐĂƚĞƐ ƚŚĂƚ Ă ƉĂƌƚLJ ŽƚŚĞƌ
ƚŚĂŶ ƚŚĞ ŽǁŶĞƌ ĐůĂŝŵƐ ƐŽŵĞ ƌŝŐŚƚ ŽǀĞƌ Žƌ ŝŶƚĞƌĞƐƚ ŝŶ ƚŚĞ ƉƌŽƉĞƌƚLJ͘
ĞƌƟĮĐĂƚĞ ŽĨ dŝƚůĞ͗ ĚŽĐƵŵĞŶƚ ŝĚĞŶƟĨLJŝŶŐ ƚŚĞ ŽǁŶĞƌƐŚŝƉ ŽĨ ůĂŶĚ͘ /ƚ ƐŚŽǁƐ
ǁŚŽ ŽǁŶƐ ƚŚĞ ůĂŶĚ ĂŶĚ ǁŚĞƚŚĞƌ Žƌ ŶŽƚ ƚŚĞƌĞ ĂƌĞ ĂŶLJ ŵŽƌƚŐĂŐĞƐ Žƌ ŽƚŚĞƌ
ƌĞƐƚƌŝĐƟŽŶƐ ŽŶ ŝƚ͘ dŚŝƐ ĚŽĐƵŵĞŶƚ ;ŝĨ ŝƐƐƵĞĚͿ ŝƐ ƵƐƵĂůůLJ ŚĞůĚ ďLJ ƚŚĞ ůĞŶĚĞƌ ĂƐ
security for a loan.
ŚĂƩĞůƐ͗ ŚĂƩĞůƐ ĂƌĞ ƉĞƌƐŽŶĂů ƉŽƐƐĞƐƐŝŽŶƐ ǁŝƚŚŝŶ Ă ƉƌŽƉĞƌƚLJ ŽƚŚĞƌ ƚŚĂŶ ƚŚĞ
property itself. These include movable items that might be included in the
sale such as appliances and furniture.
ůĞĂƌ ƟƚůĞ͗ ƐĞůůĞƌ ŚĂƐ Ă ĐůĞĂƌ ƟƚůĞ ǁŚĞŶ ƚŚĞƌĞ ĂƌĞ ŶŽ ƌĞƐƚƌŝĐƟŽŶƐ ;ƐƵĐŚ ĂƐ ĂŶ
ŽƵƚƐƚĂŶĚŝŶŐ ŵŽƌƚŐĂŐĞͿ ƉƌĞǀĞŶƟŶŐ ƚŚĞ ƐĂůĞ͕ ĂŶĚ ǁŚĞŶ ŽǁŶĞƌƐŚŝƉ ŽĨ ƚŚĞ ƐĞůůĞƌ
has been established.
Commission: A fee paid to a real estate agent for their service.
Company Title: ƐĐŚĞŵĞ ŽĨ ůĂŶĚ ŽǁŶĞƌƐŚŝƉ ƚŚƌŽƵŐŚ ǁŚŝĐŚ Ă ĐŽŵƉĂŶLJ ŽǁŶƐ
ƚŚĞ ƟƚůĞ ƚŽ ůĂŶĚ͘ ^ŚĂƌĞŚŽůĚĞƌƐ ǁŚŽ ŚĂǀĞ ƉƵƌĐŚĂƐĞĚ ƐŚĂƌĞƐ ŝŶ ƚŚĞ ĐŽŵƉĂŶLJ
ĂƌĞ ĞŶƟƚůĞĚ ƚŽ ĞdžĐůƵƐŝǀĞ ŽĐĐƵƉĂƟŽŶ ŽĨ Ă ŇĂƚ ŝŶ Ă ďƵŝůĚŝŶŐ ŽŶ ƚŚĂƚ ůĂŶĚ͘
Consumer Credit Code: Ŷ Đƚ ŽĨ WĂƌůŝĂŵĞŶƚ ŐŽǀĞƌŶŝŶŐ ƚŚĞ ƌĞůĂƟŽŶƐŚŝƉ
ďĞƚǁĞĞŶ ďŽƌƌŽǁĞƌƐ ĂŶĚ ůĞŶĚĞƌƐ͘
Contract of Sale: ĨŽƌŵĂů ĂŐƌĞĞŵĞŶƚ ŽƵƚůŝŶŝŶŐ ƚŚĞ ƚĞƌŵƐ ĂŶĚ ĐŽŶĚŝƟŽŶƐ ĨŽƌ
the purchase or sale of property.
ŽŶǀĞLJĂŶĐĞ͗ dŚĞ ƚƌĂŶƐĨĞƌ ŽĨ ŽǁŶĞƌƐŚŝƉ ŽĨ ƉƌŽƉĞƌƚLJ ĨƌŽŵ ƚŚĞ ƐĞůůĞƌ͛Ɛ ŶĂŵĞ ƚŽ
the buyer’s name.
ŽŶǀĞLJĂŶĐŝŶŐ͗ dŚĞ ďƌĂŶĐŚ ŽĨ ůĂǁ ĐŽŶĐĞƌŶĞĚ ǁŝƚŚ ƚŚĞ ƉƌĞƉĂƌĂƟŽŶ ŽĨ
documents for the transferring of property.
ŽǀĞƌ ŶŽƚĞ͗ A cover note is a temporary document issued by an insurance
ĐŽŵƉĂŶLJ ƚŚĂƚ ƉƌŽǀŝĚĞƐ ƉƌŽŽĨ ŽĨ ŝŶƐƵƌĂŶĐĞ ĐŽǀĞƌĂŐĞ ƵŶƟů Ă ĮŶĂů ŝŶƐƵƌĂŶĐĞ
policy is in place.
Credit: ŽƌƌŽǁĞĚ ŵŽŶĞLJ Žƌ ŽƚŚĞƌ ĮŶĂŶĐĞ ;Ğ͘Ő͕͘ a credit card) to be paid back
ƵŶĚĞƌ ĂŶ ĂƌƌĂŶŐĞŵĞŶƚ ǁŝƚŚ Ă ůĞŶĚĞƌ͘
Credit union: ĐŽŽƉĞƌĂƟǀĞ ƚŚĂƚ ŽƉĞƌĂƚĞƐ like Ă ďĂŶŬ͕ ďƵƚ ŝƐ ŽǁŶĞĚ ĂŶĚ
ĐŽŶƚƌŽůůĞĚ ďLJ ƉĞŽƉůĞ ǁŚŽ ƵƐĞ ŝƚƐ ƐĞƌǀŝĐĞƐ͘
Creditor: ƉĂƌƚLJ ƚŽ ǁŚŽŵ ŵŽŶĞLJ ŝƐ ŽǁĞĚ͘
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