Betty Goyens, Your Malibu Agent


Exclusive Agency Listing

2022-01-14T00:05:18-05:00January 14, 2022||

A contract giving the broker the right to market an owner’s property for a certain period of time, but also allowing the owner to sell the property during that period without paying a commission.

Escrow Payment

2022-01-14T00:04:50-05:00January 14, 2022||

The part of a mortgager’s monthly payment that is held by the servicer to pay for taxes, hazard insurance, mortgage insurance, lease payments and other items as they become due.

Escrow Disbursements

2022-01-14T00:04:36-05:00January 14, 2022||

The use of escrow funds to pay real estate taxes, hazard insurance, mortgage insurance and other property expenses as they become due.


2022-01-14T00:04:24-05:00January 14, 2022||

The holding of documents and money by a neutral third party prior to closing.


2022-01-14T00:04:10-05:00January 14, 2022||

The difference between a home’s value and the mortgage amount owed on the home.

Equal Credit Opportunity Act (ECOA)

2022-01-14T00:03:56-05:00January 14, 2022||

A federal law requiring lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status, or receipt of income from public assistance programs.


2022-01-14T00:03:40-05:00January 14, 2022||

The Veterans Affairs home loan benefit (i.e., entitlement for a VA-guaranteed home loan). This is also known as eligibility.

Earnest Money

2022-01-14T00:03:27-05:00January 14, 2022||

The deposit given by a buyer to a seller to show that the buyer is serious about purchasing the home. Earnest money usually is refundable to homebuyers in the event a contingency of the sales [...]

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