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AFS - Annual Audited Financial Statements

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BLI - Budget Line Item (in LOCCS)

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BOSS - Budget Outlay Support System

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CBD - Commerce Business Daily

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CFFP - Capital Fund Financing Program

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CFP - Capital Fund Program

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CPU - Cost Per Unit  (Total Cost/Number of Units)

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DARTS - Departmental Accounts Receivable Tracking/Collection System

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DCR - Debt Coverage Ratio (NOI/Hard Debt)

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DSCR - Debt Service Coverage Ratio

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DUNS - Dun and Bradstreet Numbering System

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EGI - Effective Gross Income (GPR - Vacancy Loss + Other Income = EGI)

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FY - Fiscal year

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IBS - Integrated Business System

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IRR - Internal Rate of Return

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NOI - Net Operating Income (EGI - Operating Expenses = NOI)

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NPV - Net Present Value

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PFS - Pre-Foreclosure sale (REO program)

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PHA - Public Housing Authority

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PV - Present Value

 

Mortgage: Acronyms

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ARRA - American Recovery and Reinvestment Act

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BEDI - Brownfields Economic Development Initiative. Grants, connected with 108 guaranteed loans

           to improve security of viability of projects

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BLS - Bureau of Labor Statistics, U.S. Department of Labor

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BRI - Brownfields Redevelopment Initiative. Interagency initiative addressing financial and legal       

         risks of brownfield clean-up and redevelopment

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Budget Authority - Legal authority to enter into financial obligations

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CDBG - Community Development Block Grant (CPD program)

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CEF - Community Empowerment Fund; administered by CPD

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CFCF - Capital Fund Education and Training Community Facilities

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CFO - Chief Financial Officer (HUD Office of)

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CFR - Code of Federal Regulations

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CHAS - Comprehensive Housing Affordability Strategy

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CHDO - Community Housing Development Organization. Nonprofit housing provider receiving

               minimum of 15% of HOME Investment Partnership funds

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CIO - Chief Information Officer (HUD Office of)

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CITI - Correcting Incorrect Tenant Identifiers

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CMHI - Cooperative Management Housing Insurance Fund. One of four FHA funds

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CoC - Continuum of Care approach to assistance to the homeless

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COCC - Central Office Cost Center

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Continuum of Care - Federal program stressing permanent solutions to homelessness

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COE - Army Corps of Engineers

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Con Plan - Consolidated Plan; a locally developed plan for housing assistance and urban

                  development under the Community Development Block Grant and other CPD programs

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Contract Authority - Statutory authority. Budget authority permitting contracting or obligations prior 

                                   to an appropriation for payment

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CPD - Community Planning and Development (HUD Office of)

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CSI - Community Strategies Institute

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DAP - Down payment Assistance Program (FHA - Single Family Housing) or Development

           Application Processing (FHA - Multifamily Housing)

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Data Warehouse - Information system storing HUD program and operational data

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Davis Bacon - Statutory requirement that persons working on federally assisted projects be paid at

                         least minimum prevailing wage rates

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DEC - Departmental Enforcement Center

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DHAP - Disaster Housing Assistance Program (HCV Program)

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DOT - Declaration of Trust

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EA - Environmental Assessment. Analysis to determine the affect of a project on the environment.

        May lead to an Environmental Impact Statement (EIS)

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EC - Enterprise Community or Enforcement Center (formally called Departmental Enforcement

        Center)

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EDA - Economic Development Administration (part of Dept. of Commerce)

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EDI - Economic Development Initiative (CPD program)

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EDSS - Economic Development and Supportive Services (CPD program)

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EEO - Equal Employment Opportunity

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EIV - Enterprise Income Verification

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EMAD - Economic and Market Analysis Division

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EPA - U.S. Environmental Protection Agency

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EZ - Empowerment Zone

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FAR - Federal Acquisition Regulation

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FEMA - Federal Emergency Management Administration

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FERA - Front-End Risk Assessments (FERAs) are documented reviews by management of a

            component's susceptibility to waste, fraud, abuse and mismanagement. FERAs are

            conducted on new or substantially revised programs or administrative functions

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FHA - Federal Housing Administration (HUD Office of Housing)

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FHIP - Fair Housing Initiatives Program (FHEO program). Program to assist state/local government,

           community groups and housing resource boards to combat housing discrimination

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FHLMC - Federal Home Loan Mortgage Corporation. Federally chartered stockholder owned

                corporation supporting secondary market for conventional mortgages

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FNMA - Federal National Mortgage Association. Federally chartered, stockholder owned

              corporation supporting secondary market for FHA, VA and conventional mortgages

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FOIA - Freedom of Information Act

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Ginnie Mae - (HUD) Government National Mortgage Association

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GIS - Geographic Information System

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HARP - Home Affordable Refinance Program

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HOPE VI - Program for Revitalization of Severely Distressed Public Housing (PIH program)

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HUD - U.S. Department of Housing and Urban Development

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MBA - Mortgage Bankers Association

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MBE - Minority Business Enterprise

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MBS - Mortgage-Backed Securities (for secondary market issued by Ginnie Mae)

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MDDR - Multifamily Delinquency and Default Reporting

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MHA - Making Home Affordable

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REO - Real estate owned (in reference to defaulted FHA-insured properties)

​

USDA - U.S. Department of Agriculture

​

VA - Veterans Affairs (U.S. Department of)

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Commercial: Acronyms

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AIREE

Florida Licensed Mortgage Brokerage| NMLS # 1787779   

Licensed in: FL, CO, AL

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Disclaimer: The information provided on this site is for informational purposes only and does not constitute a commitment to make a loan. Loans offered are subject to borrower qualifications, which include factors such as income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Loan approvals are contingent upon adherence to underwriting guidelines, prevailing interest rates, and program guidelines set by the lenders with whom we collaborate. These terms and conditions are subject to change without prior notice based on the applicant's eligibility and prevailing market conditions. 

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