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Property taxes and/or utility bills and condominium common expenses, if any, that have been prepaid by the vendor are pro-rated and paid by the purchaser to the vendor on closing.

Number of years it takes to repay the entire amount of the mortgage.

Your anniversary period is the 12 month period that starts each year on your mortgage interest adjustment date or, if you have renewed or amended your mortgage, the effective date of your renewal or amendment.

A process undertaken by an independent appraiser hired by the bank to determine the value of the property and whether it meets lending criteria. This value may or may not match the purchase price of the home.

A firm price given to obtain a contract to perform a specific project, which usually includes detailed specifications of the quantity and quality of materials to be used, and notes any exclusions.