Hampton Roads Sanitation,

LAW DAY
The date an obligation becomes due; sometimes refers to the closing date.

NOTICE OF COMPLETION
Document filed to give public notice that a construction job has been completed and that mechanics' liens must be filed within ,say, 45 days to be valid.

AMORTIZATION
Repayment of a loan with periodic payments of both principal and interest calculated to payoff the loan at the end of a fixed period of time.

VERIFICATION OF DEPOSIT (VOD)
Document signed by the borrower's bank or other financial institution verifying the borrower's account balance and history.

FEDERAL HOUSING ADMINISTRATION (FHA)
A federal agency within the Department of Housing and Urban Development (HUD), which insures residential mortgage loans made by private lenders and sets standards for underwriting mortgage loans.

NOTICE OF DEFAULT
Written notice to a borrower that a default has occurred and that legal action may be taken.

SALES AGREEMENT
Contract signed by buyer and seller stating the terms and conditions under which a property will be sold.

APPURTENANT
Belonging to; adjunct; appended or annexed.

PARTITION
The dividing of common interests in real property owned jointly by two or more persons.

FISCAL YEAR
A business year used for tax, corporate or accounting purposes, as opposed to a calendar year.

NET WORTH
The value remaining after deducting liabilities from assets.

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