Credential Abbreviations
REALTOR® - Member of the National Association of Realtors
ABR - Accredited Buyer Representative
CBR - Certified Buyer Representative
CHMS - Certified Home Marketing Specialist
CLHMS - Certified Luxury Home Marketing Specialist
CNS - Certified Negotiation Specialist
CRB - Certified Real Estate Broker
CRS - Certified Residential Specialist
e-PRO - Internet Professional
GRI - Graduate Realtor Institute
HAR - Houston Association of Realtors
NAR - National Association of Realtors
SRES - Senior Real Estate Specialist
Property Listing Abbreviations
3/4 Bath - toilet + sink + shower or tub
4/3/2 - 4 bedroom / 3 bath / 2 car garage
AC - acres
A/C - Air Conditioning
BA - bath
BR - bedroom
BTSA - bonus to selling agent
DBA - doing business as
DBL - double
DR - dining room
FLRS - floors
FP - fire place
FSBO - for sale by owner
FB - Full Bath (toilet + sink + shower + tub)
GLFP - gas log fire place
HB - Half Bath (toilet + sink)
HDWD - hardwood
HOA - homeowner's association
HSF - heated square feet
HVAC - heating, ventilation and air conditioning
HWH - hot water heater
KIT - kitchen
LA - living area
LR - living room
MBR - master bedroom
RM - room
SF - square feet
W/D - washer/dryer
W/W CPT - wall to wall carpet
WBFP - wood burning fireplace
WD FLR - wood floor
Contract and Financing Abbreviations
APR - annual percentage rate
ARM - adjustable rate mortgage
CCR - conditions, covenants, and restrictions
CFD - contract for deed
CLTV - combined loan to value
CMA - comparative market analysis
COCR - Cash on Cash Return
COF - cost of funds
COO - certificate of occupancy
DBA - doing business as
DCR - debt coverage ratio
DOS - due on sale clause
EA - exclusive agency
EMC - earnest money contract
ERS - exclusive right to sell
FCRA - Fair Credit Reporting Act
FDIC - Federal Deposit Insurance Corporation
FEMA - Federal Emergency Managment Agency
FFE - furniture, fixture, and equipment
FHA - Federal Housing Administration
FHLMC - "Freddie Mac" Federal Home Loan Mortgage Corporation
FMR - fair market rent
FMV - fair market value
FNMA - "Fannie Mae" Federal National Mortgage Association
FRBO - for rent by owner
FSBO - for sale by owner
GNMA - "Ginnie Mae" Government National Mortgage Association
HUD - Department of Housing and Urban Development
LIBOR - London Interbank Offering Rate
LTV - loan to value
MLS - multiple lising service
O/F - owner finance
P&S - purchase and sale
PITI - principal, interest, taxes and insurance
PMI - private mortgage insurance
POA - power of attorney
REI - real estate investor
REIA - Real Estate Investors Association
REIT - Real Estate Investment Trust
RELA - Real Estate Licensing Act
REO - real estate owned
ROI - return on investment
RTO - rent to own
TIL - Truth In Lending
VA - Veterans Administration
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