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Across 1. escrow account known in Cali as an _____ account 3. agreement that a person will borrow money and repay it to the lender over time. 5. a mtg loan which allows the lender to adjust the interest rate. 7. A written justification of the price paid for a property, primarily based on an analysis of comparable sales of similar homes nearby. 9. The increase in the value of a property due to changes in market conditions, inflation, or other causes. 12. The form used to apply for a mortgage loan, containing information about a borrower's income, savings, assets, debts, and more 14. The legal document conveying title to a property. 16. a property or right ownde, tangible or intangible, that has monetary value. 17. interest earned from the period of time since interest was last paid 18. What does the I stand for in PITI? 19. What does the I stand for in PITI? 22. A decline in the value of property. 24. What does the P stand for in PITI? 25. court proceedings to relieve the debts of an individual or business. 26. The difference between the interest rate and the index on an adjustable rate mortgage.

Down 2. A legal document that pledges a property to the lender as security for payment of a debt. 4. What does the T stand for in PITI? 6. the Interest is paid in the _______ on regular monthly mtg payments 8. a payment plan that enables you to reduce your debt gradually through monthly payments. 10. limit on how much that payment can change each year (think ARM) 11. the institution making the loan or to the individual 13. When a borrower falls behind, the lender contacts them in an effort to bring the loan current. 15. A legal claim against a property that must be paid off when the property is sold. 16. The term applied when a buyer assumes the seller's mortgage. 20. A homeowner's financial interest in a property. 21. A legal document evidencing a person's right to or ownership of a property. 23. ____mtg is when the balance of mtg is due in a lump sum at a specified date.