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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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Shana Rohde-Lynch Pacific Union International 1550 Tiburon Blvd Suite U Belvedere, CA 94920 Phone: 415-264-7101 E-Mail: shana@pacunion.com shanarohde@NUMBER1EXPERT.com DRE # 01079806 Shana Rohde-Lynch has a proven track record that no other agent in Marin County can match. Shana is a licensed realtor with Pacific Union International & Christie's International working with buyers and sellers all over Marin County. Previously. Shana was with Frank Howard Allen Realtors for 23 years. In 2002 Shana was inducted into the "Hall of Fame" achieving the highest honor attainable. Shana was named #1 agent for all of Marin County in 2003 closing 52 transactions. She was the #1 agent in 2004 closing 70 transactions. For 2009 and 2010 she was one of the Top 10 agents. She continues to remain at the top of her field year after year. Shana is the President and Founder of Go2Marin.com, the top real estate website in Marin County. Shana's expertise and extensive experience shines through. With a full support staff she is able to devote more time to her clients, providing them with the utmost in fast, efficient service and follow through. Shana's Innovative Marketing Plan exceeds all of her competition. Whether you are searching for the home of your dreams, or thinking of selling it, Shana can turn your dreams into reality! www.go2marin.com is brought to you by Shana Rohde-Lynch NUMBER1EXPERT™ in real estate for Marin County, Tiburon, San Rafael and Novato, Read Shana Rohde-Lynch's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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