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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 |
|
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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| Q |
Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?
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| A |
York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S. |
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Timothy Toye
Timothy Toye & Associates
Cobb Village Center
16360 Hwy. 175
Cobb, CA. 95426-1353
Office: 707-928-6900
24-Hour Direct Line: 707-928-5912
Fax: 707-928-5696
Email: Timothy@TeamToye.com
Lake County's Leading Real Estate Team covering the whole of the County including Cobb, Middletown & Hidden Valley Lake, Clearlake Riviera, Jago Bay, Riviera West, Buckingham & Riviera Heights, Kelseyville, Lakeport, Lower Lake, Clearlake Oaks, Nice, Lucerne and Upper Lake, as well as lakefront, ranches and acreage properties.
Timothy has more than 26 years experience successfully selling real estate both in California and the US, as well as in his native land of New Zealand. He has assembled a powerful team of experienced Realtors, operating on specific professional principles, with full marketing and administrative assistance to ensure that you have a successful real estate experience.
He has extensive management, real estate investment and marketing experience, having worked and consulted with Best Image Marketing, the top Internet marketers for Realtors in North America, and located in Lake County. The other members of the team complement this experience.
Timothy is both a high individual producer, having closed as many as 130 transactions in a year, including selling more properties than any other Realtor in the County from 2004 to the present, as well as a skillful sales manager & trainer.
In 1990 he led his sales team to the #1 residential sales production award in the whole of New Zealand. He and his team have invested personally in real estate extensively in many different kinds of property including single family homes, fixer-uppers, apartment buildings and raw land. They have bought several properties 'creatively' with no money down.
Team Toye, the most productive real estate sales team in Lake County in 2009, and in 2011 we have represented more buyers than any other real office in the county, brings a combination of personal skills, in-depth experience, and positive principles of professional practice
to ensure your real estate experience is as positive and beneficial for you as possible.
  
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