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for an instrument to be a valid deed it needed five things: It must indicate that the instrument itself conveys some privilege or thing to someone. This is indicated by using the word hereby or the phrase by these presents in the sentence indicating consolidation education loan private gift. The person receiving the privilege or thing must have the legal capacity to receive it. The grantor must have the legal ability to grant the thing or privilege. A seal must be affixed to consolidation education loan private Most jurisdictions have eliminated this requirement and replaced it with the signature of the grantor. However, for conveyances of real estate, most consolidation education loan private require that the deed be acknowleged before a notary public or a civil law notary and some may require a witness or witnesses in addition. It must be delivered to and accepted by the recipient Real estate appraisal Second mortgage Additional loan that is subordinate to the primary mortgage Secondary mortgage market — The market where lenders and investors buy and sell existing mortgages and MBS securities. Securitization consolidation education loan private The process of pooling loans into mortgage-backed consolidation education loan private for sale into the secondary mortgage market. Verification of employment (VOE) “Also, in the third quarter of 2005, homeowners who refinanced their fixed-rate mortgages lowered their interest rate an average of 0.57 percentage points. On an average loan size of $150,000, that lower rate translates into a payment that is about $55 a month lower for a savings of more than $660 annually,” said Cutts. “This same time last year, borrowers who refinanced lowered their interest rate by an consolidation education loan private of 0.72 percentage points. As mortgage rates increase, the borrowers