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Real Estate Dictionary: Sarasota and Siesta Key Florida home buying, real estate listings, and homes for sale in Sarasota County, FL

Welcome > Resources > Real Estate Dictionary - A

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
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
Valuation	The estimated of value of a property
Variable rate mortgage, or Adjusted rate mortgage	A mortgage with interest rates that may fluctuate based on market conditions
Verification of Deposit	A statement signed by the borrower's financial institution that verifies the current balances in the borrower's accounts
Verification of Employment	A statement signed by the borrower's employer that verifies the borrower's current position and salary
Vest	To pass an immediate right on to a person
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
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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Judy Arreola and Kristina Talkie, REALTORSŽ, real estate agents and brokers for Sarasota and Siesta Key Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Arreola and Kristina Talkie
Michael Saunders and Co.
5100 Ocean Blvd.
Sarasota, FL. 34242
Phone: 941-349-3444
Fax: 941-349-4333
Email: JudyArreola@NUMBER1EXPERT.com
Since becoming active in the Sarasota real estate market in 1984, Judy has been one of the top ERA agents in the nation and the top 1% of Realtors in Sarasota. She has been honored by ERA as a finalist for the prestigious Jim Jackson Memorial Award for Outstanding Customer Service and Superior Performance. Among her many honors, she is also proud to be selected for 3 years in a row by Sarasota Magazine as a *Five Star Realtor* for being best in client satisfaction. As a former teacher, her attention to detail is synonymous in her business. Her real estate education credentials include Licensed Real Estate Broker, Graduate Realtors Institute, Leadership Training Graduate and Certified Residential Specialist. She has served for many years on the board at the Sarasota Association of Realtors and is a member of the Professional Standards Committee Her team includes Kristina Talkie, a Licensed Realtor. Kristina's real estate designations include Graduate Realtor (r in a circle) Institute (GRI) and is presently a candidate for Certified Residential Specialist (CRS). Her industry awards include Top Producer, ERA Beyond Excellence, Outstanding Sales Performance (six years in a row) and Top Team Award for closed sales. Judy and Kristina specialize in selling waterfront homes, golf course communities and luxury condominiums.

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