Home Energy Rating System (HERS)

Untitled Document

Art dictionary
Financial dictionary
Hollywood dictionary
Insurance dictionary
Literature dictionary
Medical Glossary
Real Estate dictionary
Tourism dictionary

Home Energy Rating System (HERS)

Home Energy Rating System (HERS)

A standardized system for rating the energy efficiency of residential buildings.

RELATED TERMS
--------------------------------------

Rating
Grade, assigned by a rating agency, designating the credit quality or creditworthiness of the underlying assets.

SIMILAR TERMS
--------------------------------------

Home Buyer’s Report
A property survey. More detailed than a valuation report - should itemize problems and major defects. Not as in depth as a full structural survey.

Home equity
The part of a home's value that the mortgage borrower owns outright; the difference between the fair market value of the home and the principal balances of all mortgage loans.

Home Equity Conversion Mortgage (HECM)
Usually referred to as a reverse annuity mortgage, what makes this type of mortgage unique is that instead of making payments to a lender, the lender makes payments to you.

Home equity line of credit
A mortgage loan, usually in second position, that allows the borrower to obtain cash drawn against the equity of his home, up to a predetermined amount.

Home equity loan
A loan (sometimes called a line of credit) under which a property owner uses his or her residence as collateral and can then draw funds up to a prearranged amount against the property.

Home expense to income ratio
A ratio expressed as a percentage that is used by the mortgage industry to determine a borrower's qualification for a loan. It is calculated by dividing the borrower's total monthly housing expenses by his or her gross monthly income.

Home inspection
A thorough inspection by a professional that evaluates the structural and mechanical condition of a property.

Home Mortgage Disclosure Act (HMDA)
Enacted by Congress in 1975 and implemented by the Federal Reserve Board's Regulation C, a federal law that requires lenders with federally related loans to disclose to the Federal Reserve the number of loan applications and loans made in different parts of their service areas.

Home Ownership and Equity Protection Act
A federal law designed to discourage predatory lending in mortgages and home equity loans.

Home rule
The power of a local government to adopt its own land-use regulations.

Home warranty
Offers protection for mechanical systems and attached appliances against unexpected repairs not covered by homeowner's insurance.

Home warranty insurance policy
An insurance policy that insures against plumbing, electrical, heating, and major appliance problems for the term of the policy.

Homekeeper
Fannie Mae's adjustable rate conventional reverse mortgage, which allows older homeowners to borrow against the value of their homes and receive the proceeds according to the payment option they select.

Homeowner instructions
Instructions given to a property owner by a listing broker that advise the owner of cleaning and repairs that will improve the appearance and increase the value of a listed property.

Homeowner's Association
An association of people who own homes in a given area for the purpose of improving or maintaining the quality of the area.

Homeowner's guide to earthquake safety
A document produced by the State of California Seismic Safety Commission intended to help inform homeowners on earthquake safety issues in homes.

Homeowner's insurance
An insurance policy protecting against a variety of hazards.

Homeowner's insurance policy
A standardized package insurance policy that covers a residential real estate owner against financial loss from fire, theft, public liability and other common risks.

Homeowner's or maintenance fees
Payments made by property owner (s) of a condominium or a unit in PUD to the homeowners' association for expenses incurred in upkeep of the common areas.

Homeowner's policy
Policy which expands the insurance for a homeowner. It may include theft, liability, earthquake, etc.

Homeowner's warranty
A type of insurance often purchased by homebuyers that will cover repairs to certain items, such as heating or air conditioning, should they break down within the coverage period.

Homeowners' association
Homeowners' association is a nonprofit association managing the common areas of a planned unit development (PUD) or condominium project.

Homestead
Tract of land occupied as a family home.

Homestead exemption
The amount of homestead protection from unsecured creditors—$50,000 for single persons, $75,000 for families, $100,000 for persons 65 years of age, and $100,000 for disabled persons unable to work.

Homesteading
A document that to protects some of a home's equity from lawsuits.

PREVIOUS AND NEXT TERMS
--------------------------------------

Holdover Tenant
A tenant who remains in possession of leased property after the lease term expiration.

Holiday home
A larger deposit may be asked for a mortgage on a holiday home. The interest rates charged may also be higher than normal.

Holiday house
Usually a furnished house available to rent for periods of 1 day to many weeks. Found in holiday areas such as Pearl Beach

Holographic will
Will written in the testator's handwriting and not witnessed.

Home Buyer’s Report
A property survey. More detailed than a valuation report - should itemize problems and major defects. Not as in depth as a full structural survey.

Home Energy Rating System (HERS)

Home equity
The part of a home's value that the mortgage borrower owns outright; the difference between the fair market value of the home and the principal balances of all mortgage loans.

Home Equity Conversion Mortgage (HECM)
Usually referred to as a reverse annuity mortgage, what makes this type of mortgage unique is that instead of making payments to a lender, the lender makes payments to you.

Home equity line of credit
A mortgage loan, usually in second position, that allows the borrower to obtain cash drawn against the equity of his home, up to a predetermined amount.

Home equity loan
A loan (sometimes called a line of credit) under which a property owner uses his or her residence as collateral and can then draw funds up to a prearranged amount against the property.

Home expense to income ratio
A ratio expressed as a percentage that is used by the mortgage industry to determine a borrower's qualification for a loan. It is calculated by dividing the borrower's total monthly housing expenses by his or her gross monthly income.

This dictionary contains 6433 terms.

homeenergyratingsystem(hers) / ome energy rating system (hers) / hme energy rating system (hers) / hoe energy rating system (hers) / hom energy rating system (hers) / homeenergy rating system (hers) / home nergy rating system (hers) / home eergy rating system (hers) / home enrgy rating system (hers) / home enegy rating system (hers) / home enery rating system (hers) / home energ rating system (hers) / home energyrating system (hers) / home energy ating system (hers) / home energy rting system (hers) / home energy raing system (hers) / home energy ratng system (hers) / home energy ratig system (hers) / home energy ratin system (hers) / home energy ratingsystem (hers) / home energy rating ystem (hers) / home energy rating sstem (hers) / home energy rating sytem (hers) / home energy rating sysem (hers) / home energy rating systm (hers) / home energy rating syste (hers) / home energy rating system(hers) / home energy rating system hers) / home energy rating system (ers) / home energy rating system (hrs) / home energy rating system (hes) / home energy rating system (her) / home energy rating system (hers / hhome energy rating system (hers) / hoome energy rating system (hers) / homme energy rating system (hers) / homee energy rating system (hers) / home energy rating system (hers) / home eenergy rating system (hers) / home ennergy rating system (hers) / home eneergy rating system (hers) / home enerrgy rating system (hers) / home energgy rating system (hers) / home energyy rating system (hers) / home energy rating system (hers) / home energy rrating system (hers) / home energy raating system (hers) / home energy ratting system (hers) / home energy ratiing system (hers) / home energy ratinng system (hers) / home energy ratingg system (hers) / home energy rating system (hers) / home energy rating ssystem (hers) / home energy rating syystem (hers) / home energy rating sysstem (hers) / home energy rating systtem (hers) / home energy rating systeem (hers) / home energy rating systemm (hers) / home energy rating system (hers) / home energy rating system ((hers) / home energy rating system (hhers) / home energy rating system (heers) / home energy rating system (herrs) / home energy rating system (herss) / home energy rating system (hers)) / yome energy rating system (hers) / uome energy rating system (hers) / jome energy rating system (hers) / nome energy rating system (hers) / bome energy rating system (hers) / gome energy rating system (hers) / tome energy rating system (hers) / h9me energy rating system (hers) / h0me energy rating system (hers) / hpme energy rating system (hers) / hlme energy rating system (hers) / hkme energy rating system (hers) / hime energy rating system (hers) / h8me energy rating system (hers) / hone energy rating system (hers) / hoje energy rating system (hers) / hoke energy rating system (hers) / ho,e energy rating system (hers) / ho e energy rating system (hers) / hom3 energy rating system (hers) / hom4 energy rating system (hers) / homr energy rating system (hers) / homf energy rating system (hers) / homd energy rating system (hers) / homs energy rating system (hers) / homw energy rating system (hers) / home 3nergy rating system (hers) / home 4nergy rating system (hers) / home rnergy rating system (hers) / home fnergy rating system (hers) / home dnergy rating system (hers) / home snergy rating system (hers) / home wnergy rating system (hers) / home ebergy rating system (hers) / home ehergy rating system (hers) / home ejergy rating system (hers) / home emergy rating system (hers) / home e ergy rating system (hers) / home en3rgy rating system (hers) / home en4rgy rating system (hers) / home enrrgy rating system (hers) / home enfrgy rating system (hers) / home endrgy rating system (hers) / home ensrgy rating system (hers) / home enwrgy rating system (hers) / home ene4gy rating system (hers) / home ene5gy rating system (hers) / home enetgy rating system (hers) / home eneggy rating system (hers) / home enefgy rating system (hers) / home enedgy rating system (hers) / home eneegy rating system (hers) / home ene3gy rating system (hers) / home enerty rating system (hers) / home energ6 rating system (hers) / home energ7 rating system (hers) / home energu rating system (hers) / home energj rating system (hers) / home energh rating system (hers) / home energg rating system (hers) / home energt rating system (hers) / home energ5 rating system (hers) / home energy 4ating system (hers) / home energy 5ating system (hers) / home energy tating system (hers) / home energy gating system (hers) / home energy fating system (hers) / home energy dating system (hers) / home energy eating system (hers) / home energy 3ating system (hers) / home energy rqting system (hers) / home energy rwting system (hers) / home energy rsting system (hers) / home energy rxting system (hers) / home energy rzting system (hers) / home energy ra5ing system (hers) / home energy ra6ing system (hers) / home energy raying system (hers) / home energy rahing system (hers) / home energy raging system (hers) / home energy rafing system (hers) / home energy raring system (hers) / home energy ra4ing system (hers) / home energy ratng system (hers) / home energy ratibg system (hers) / home energy ratihg system (hers) / home energy ratijg system (hers) / home energy ratimg system (hers) / home energy rati g system (hers) / home energy ratint system (hers) / home energy rating wystem (hers) / home energy rating eystem (hers) / home energy rating dystem (hers) / home energy rating xystem (hers) / home energy rating zystem (hers) / home energy rating aystem (hers) / home energy rating qystem (hers) / home energy rating s6stem (hers) / home energy rating s7stem (hers) / home energy rating sustem (hers) / home energy rating sjstem (hers) / home energy rating shstem (hers) / home energy rating sgstem (hers) / home energy rating ststem (hers) / home energy rating s5stem (hers) / home energy rating sywtem (hers) / home energy rating syetem (hers) / home energy rating sydtem (hers) / home energy rating syxtem (hers) / home energy rating syztem (hers) / home energy rating syatem (hers) / home energy rating syqtem (hers) / home energy rating sys5em (hers) / home energy rating sys6em (hers) / home energy rating sysyem (hers) / home energy rating syshem (hers) / home energy rating sysgem (hers) / home energy rating sysfem (hers) / home energy rating sysrem (hers) / home energy rating sys4em (hers) / home energy rating syst3m (hers) / home energy rating syst4m (hers) / home energy rating systrm (hers) / home energy rating systfm (hers) / home energy rating systdm (hers) / home energy rating systsm (hers) / home energy rating systwm (hers) / home energy rating systen (hers) / home energy rating systej (hers) / home energy rating systek (hers) / home energy rating syste, (hers) / home energy rating syste (hers) / home energy rating system (yers) / home energy rating system (uers) / home energy rating system (jers) / home energy rating system (ners) / home energy rating system (bers) / home energy rating system (gers) / home energy rating system (ters) / home energy rating system (h3rs) / home energy rating system (h4rs) / home energy rating system (hrrs) / home energy rating system (hfrs) / home energy rating system (hdrs) / home energy rating system (hsrs) / home energy rating system (hwrs) / home energy rating system (he4s) / home energy rating system (he5s) / home energy rating system (hets) / home energy rating system (hegs) / home energy rating system (hefs) / home energy rating system (heds) / home energy rating system (hees) / home energy rating system (he3s) / home energy rating system (herw) / home energy rating system (here) / home energy rating system (herd) / home energy rating system (herx) / home energy rating system (herz) / home energy rating system (hera) / home energy rating system (herq) /