Real Estate

Land and anything permanently affixed to the land and those things attached to the building.

Realtor

Registered name for a member of the National Association of Realtors.

Realtor Associate

Salesperson associated with a broker who is a member of a Board of Realtors.

Recital

Setting forth in a deed or other writing some explanation for the transaction.

Recourse

The right of the holder of a note secured by a mortgage or deed of trust to look personally to the borrower or endorser for payment.

Redlining

The practice of refusing to provide loans or insurance in a certain neighborhood.

Refinancing

The repayment of a debt from the proceeds of a new loan using the same property as security.

Reissue rate

A charge for a title insurance policy if a previous policy on the same property was issued within a specified period of time. Reissue is less than the original charge.

REIT (Real Estate Investment Trusts)

A method in investing real estate in a group, with certain tax advantages.

Recision of Contract

Annulling a contract and placing the parties to it in a position as if there had not been a contract.

Release

An instrument releasing property from the lien of the mortgage, judgment, etc.

Renegotiable Rate Mortgage

a loan in which the interest rate is adjusted periodically. See adjustable rate mortgage.

RESPA (Real Estate Settlement Procedures Act)

A federal regulation that requires lenders and mortgage brokers to disclose to borrowers, in advance, the fees required to obtain a mortgage loan.

Revenue Stamps

Formerly, federal tax on a sale of real property. Canceled and replaced by state tax stamps.

Reverse Mortgage

A special program for the elderly that provides income until death. Payment requirements are arranged through the increase in the principal amount of the loan.