浮动利率贷款（ARM: Adjustable Rate Mortgage ）：
这是一种房屋贷款，通常起始的利率要比固定利率贷款要低，但在初始利率有效期过后利率要按照贷款方的贷款成本定期调整。
折合年利率（APR）
是把贷款计划中所有的因素（包括利息，贷款手续费，点数和其他费用）都考虑在一起后得出的一个年均的相当于贷款额的百分比的折合利率，通常比实际说的贷款利率要稍高一些。
Assumable Loan.
A loan in which the lender is willing to "transfer" from the previous owner of the home to the new owner, sometimes at the same interest rate, sometimes at a new rate. An assumable loan can make your home more attractive to buyers when you want to sell. Often the new buyer has to qualify for the assumption just as they would for a new loan.
过户费用(Closing Costs)
是买主在王成过户手续时需要支付的首付款以外的其他费用，这包括点数，贷款保险费，房屋保险，预付的地产税等等。过户费用平均要占贷款总额的3%到4%。
先决条件(Contingency.)
A condition put on an offer to buy a home; such as the prospective buyer making an offer contingent on his or her successful sale of a present home.
常规贷款(Conventional Mortgage.)
是指的不需要从联邦房管局（FHA）或退伍军人事务部(VA)买保险的贷款，一般都需要有10%到20%的首付款。
约金(Earnest Money.)
是买方支付的一种抵押金，表明有意愿会接着完成整个购买过程。约金会被放在一个抵押中介机构的帐户中，当过户完成时会成为首付款或过户费用的一部分。
交易中介保管(Escrow.)
A procedure in which documents or transfers of cash and property are put in the care of a qualified third party, other than the buyer or seller.
Homeowners Insurance.
Insurance that protects the homeowner from casualty (losses or damage to the home or personal property) and from liability (damages to other people or property). Required by the lender and usually included in the monthly mortgage payment.
Loan Origination Fee.
A fee charged by the lender for evaluating, preparing, and submitting a proposed mortgage loan.
Point
An amount equal to one percent of the principal amount being borrowed. The lender may charge the borrower several points in order to provide the loan.
Property Taxes.
Taxes (based on the assessed value of the home) paid by the homeowner for community services such as schools, public works, and other costs of local government. Paid as a part of the monthly mortgage payment.
Title Insurance.
Protects lenders and homeowners against loss of their interest in property due to legal defects in the title
可继承贷款
是一种贷款商允许从上一个屋主转让给新的屋主的贷款，贷款利率可能不变，也可能需要调整。当你卖房时，可继承贷款可以使你的房子对买主更有吸引力。一般说来，新的屋主必须要通过集成的资格审核，正像申请新的贷款一样。
