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N

NATIONAL ASSOCIATION OF REALTORS® (NAR)	A real estate trade organization that sets the standards for integrity and honesty within the real estate profession nationwide
Negative amortization	A gradual increase in the balance of a loan or mortgage which occurs because the monthly payments made are too small to cover the entire principal and interest charges; this shortfall amount is added to the remaining balance, resulting in negative amortization
Net listing	The advertisement of the price of property for sale in terms of the net price the seller will receive, once the property is sold, a type of listing which is illegal in many states
Net worth	The total value of all of an individual's assets, minus all liabilities or debts
No cash-out refinance	A transaction for refinancing a mortgage in which the new mortgage amount is limited to the sum total of the remaining balance of the first mortgage, points, closing costs, whatever is required to satisfy any liens that are more than one year old and other funds for the borrower's use (as long as the amount is one percent or less of the principal amount of the new mortgage)
Notary	An individual authorized by law to certify documents and signatures
Note	A legal document that obligates a borrower to repay a loan or owed sum of money at a stated interest rate over a designated period of time

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Jay and Martha O'Neil Sycamore Group Associates 31 First Street SouthWest Carmel, IN. 46032 Phone: 317-848-0008 Email: jayandmarthaoneil@NUMBER1EXPERT.com The O'Neil Team is the best choice for your real estate needs in Indianapolis, Hamilton County and surrounding areas. We joined Sycamore Group Associates in search of a more versatile atmosphere, after over 30 combined years in the business. We are excited about the growth and wealth of opportunity that this progressive, upscale company has to offer. By virtue of being recognized as one of the top-ranked teams year after year, focusing on Boone, Hamilton and Marion Counties, we feel we will be able to offer you, as our friends and clients, a more personalized, specialized boutique style service. We feel strongly about the bright future of Sycamore Group Associates and our intentions to be the best in the business. Sycamore Group Associates offers the perfect blend of small town charm and metropolitan class and perfectly accents the grace and beauty of our office. The independence of Sycamore Group Associates continues to allow us to hone our strengths, those of dedicated customer service, creative flair and industry knowledge, in order to provide you with the best real estate experience. Our job is to continually learn, grow and fine tune our professionalism so our clients can benefit from our knowledge and expertise. www.TheONeilTeam.com is brought to you by The O'Neil Team NUMBER1EXPERT™ in real estate for Carmel, Westfield and Zionsville, Indiana, Golf Communities, Luxury Homes Read The O'Neil Team's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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