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Mortgage Terms - R

Real Estate
Land and anything permanently affixed to the land, and those things attached to the building.
Realtor
Registered name for a member of the National Association of Realtors.
Realtor Associate
Salesperson associated with a broker who is member of a Board of Realtors.
Recital
Setting forth in a deed or other writing some explanation for the transaction.
Recourse
The right of the holder of note secured by a mortgage or deed of trust to look personally to the borrower or endorser for payment.
Redlining
The practice of refusing to provide loans or insurance in a certain neighborhood.
Refinancing
The repayment of a debt from the proceeds of a new loan using the same property as security.
Reissuerate
A charge for a title insurance policy if a previous policy on the same property was issued within a specified period. Reissue is less than the original charge.
REIT (Real Estate Investment Trusts)
A method in investing real estate in a group, with certain tax advantages.
Recision of Contract
Annulling a contract and placing the parties to it in a position as if there had not been a contract.
Release
An instrument releasing property from the lien of the mortgage, judgment, etc.
RESPA (Real Estate Settlement Procedures Act)
A federal statute requiring disclosure of certain costs in the sale of residential improved property which is to be financed by a federally insured lender.
Revenue Stamps
Formerly federal tax on a sale of real property. Canceled and replaced by state tax stamps.
Reverse Mortgage
A special program for the elderly that provides income until death. Payment requirements are arranged through the increase in the principal amount of the loan.
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