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V

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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The Di Lewis Team Prudential Americana Group, Realtors 871 Coronado Center Dr., Suite 100 Henderson, NV 89052 Phone: 702-566-5827 Fax: 702-565-7563 Cell: 702 824 2188 Email: di@dilewis.com Di & Mike are married with four daughters and four grand children and live in Lake Las Vegas. Di was born in Australia and has been a U.S. resident since 1985 and is a US citizen. Prior to practicing real estate, Di & Mike owned and operated an international textile corporation specializing in home furnishings, with offices in New York, Hong Kong and Australia. They have extensive experience dealing with foreign nationals and Di knows what it's like to move from one side of the world to the other. Real Estate designations held include: GRI (Graduate of the Real Estate Institute) ABR (Accredited Buyers Representative) e-PRO (Certified Internet specialist). Mike was born in New York and has holds a BBA from Adelphi University and is is a New York CPA. Mike is the team manager and brings a wealth of financial management and administrative experience to the team. Mike specializes in commercial real estate and is currently a CCIM candidate. www.dilewis.com is brought to you by The Di Lewis Team NUMBER1EXPERTS™ in real estate for Henderson, Lake Las Vegas and Las Vegas, Nevada Read The Di Lewis Team's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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