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life of the loan. (See also yield to maturity) Pooling — The process direct loan dept of education grouping together mortgage loans with similar characteristics. Quitclaim deed (QCD) Historically under common law, 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 the gift. The person receiving the privilege direct loan dept of education 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 it. Most jurisdictions have eliminated this requirement and replaced it with the signature of the grantor. However, for conveyances of real estate, most jurisdictions require that the deed be acknowleged before a notary direct loan dept of education 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 direct loan dept of education mortgage market — The market where lenders and investors buy