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Across 1. 2 1/2 to 3 times yearly gross income (3 words) 5. A pledge of property that a borrower gives to a lender as security for the payment of a debt 8. inspection that assures the home is free of insects that damage the home 10. an expert estimate of the market value of the house 12. usually 5% of cost of house (2 words) 14. terms that must be met in order for the agreement of sale to be legal 17. states all specific terms and conditions of the sale and is signed by seller and buyer (3 words) 18. refers to a type of interest paid to offset interest lost by the lender 21. examination of home for structural problems as related to roofing, wiring, plumbing, or heating and cooling system (2 words)

Down 2. produces an abstract of title which is a copy of all public records concerning the property (2 words) 3. 28% of gross monthly pay (4 words) 4. fee paid to assure sale of home is done according to the law 6. income before deductions (2 words) 7. a mortgage with a fixed interest rate 9. a mortgage for veterans 11. deposit the buyer pays to show that he/she is serious (2 words) 13. paid to lender for processing the loan (2 words) 15. money value of a house beyond what is owed on the house 16. legal proceeding in which a lending firm takes possession of the property 19. assures lender of the actually location of the land 20. a mortgage for first time home buyers with moderate credit that is guaranteed by the Federal Housing Administration