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Real Estate Dictionary: Glen Ellen, Sonoma Valley and Sonoma California home buying, real estate listings, and homes for sale in Sonoma County, CA

Welcome > Resources > Real Estate Dictionary - A

VA guarantee	An insurance contract for which the Veterans Administration (VA) guarantees the lender's recovery of a designated percentage of the loan amount from the insurer in the event that the borrower defaults on the loan
VA loan, or Government mortgage	A mortgage loan available to qualified military veterans which is guaranteed by the Department of Veteran Affairs, usually offering either no down payment or a low down payment
Valuation	The estimated of value of a property
Variable rate mortgage, or Adjusted rate mortgage	A mortgage with interest rates that may fluctuate based on market conditions
Verification of Deposit	A statement signed by the borrower's financial institution that verifies the current balances in the borrower's accounts
Verification of Employment	A statement signed by the borrower's employer that verifies the borrower's current position and salary
Vest	To pass an immediate right on to a person
Vested	Having the right to withdraw a percentage of a fund before its agreed-upon maturity date; e.g., the percentage vested to individuals with retirement funds differs; if someone is 80% vested, that means they can only withdraw 80% of the funds set aside for them until its maturity
Department of Veterans Affairs (VA)	A federal agency that insures residential mortgages made to eligible military veterans, which thereby encourages loans being made to veterans

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Constance Sharpe, REALTORŽ, real estate agent and broker for Glen Ellen, Sonoma Valley and Sonoma California home listings, property and land for sale - NUMBER1EXPERT(tm)

Constance Sharpe
Frank Howard Allen, Wine Country Group
13651 Arnold Drive
Glen Ellen, CA 95442
Phone: 707 996-5366
Phone: 707 484-3094
Fax: 707 996-5357
csharpe@NUMBER1EXPERT.com
Upon retiring from a career in sales and marketing and working at upscale restaurants, I committed myself to researching what career would anchor the next chapter of my life. Becoming a real estate broker presented me with the perfect opportunity to enjoy and pursue my greatest interests. Being a top-performing broker in this magical setting is an all-encompassing pursuit that allows me to be intimately involved with old friends and meet new ones. I love the land and the homes, the celebrations and events, investigating and investing in real estate and riding and caring for horses.

The family vineyard here in Sonoma Valley is also very much a part of my husband's and my life. All of the aspects of matching people to their dream, complex or simple, bring me great satisfaction. Doing that skillfully provides my clients with genuine satisfaction. I am proud to work for Frank Howard Allen, Wine Country Group(tm); this company's support and network (FHA has participated in over 50% of the high end transactions in the Sonoma Valley area), has provided me with even more tools and team members to better serve my clients when they're faced with the special needs and challenges that wine country properties and estates may present. With my technical capabilities and intimate knowledge of marketing, which includes the latest Internet technologies, I can insure you the buying and selling cycles will be quicker, smoother and more profitable for you.

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