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TRUTH-IN-LENDING ACT Federal law requiring written disclosure of the terms of a mortgage (including the APR and other charges) by a lender to a borrower after application. Also requires the right to rescission period. DEPRECIATION (TAX) For tax purposes, depreciation is an expense deduction taken for an investment in depreciable property. STRAIGHT NOTE A promissory note evidencing a loan in which "interest only" payments are made periodically during the term of the note, with the principal payment due in one lump sum upon maturity. WALK-THROUGH A final inspection of a home to check for problems that may need to be corrected before closing. CLOUD ON TITLE Any document, claim, unreleased lien or encumbrance which many impair or injure the title to property or make the title doubtful because of its apparent or possible validity. BONA FIDE In good faith. RISK OF LOSS Responsibility for damages caused to improvements. The risk of loss passes to the vendee when either title or possession passes, and he should protect himself by securing proper insurance. |
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