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GLOSSARY

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Debt
Debt Service Reserve
Debt-to-Income Ratio
Deed
Deed of trust
Deed-in-lieu
Default
Deferment
Deferred interest
Delinquency
Department of Veterans Affairs (VA)
Depreciation
Direct Loan Servicing Center
Disbursement
Discharge
Disclosure statement
Discount point
Discount Point
Down payment
Due Diligence
Due-on-sale clause

Debt-to-Income Ratio

The ratio, expressed as a percentage, which results when a borrower's monthly payment obligation on long-term debts is divided by his or her gross monthly income. See housing expenses-to-income ratio.

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