AFS - Annual Audited Financial Statements

BLI - Budget Line Item (in LOCCS)

BOSS - Budget Outlay Support System

CBD - Commerce Business Daily

CFFP - Capital Fund Financing Program

CFP - Capital Fund Program

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

DARTS - Departmental Accounts Receivable Tracking/Collection System

DCR - Debt Coverage Ratio (NOI/Hard Debt)

DSCR - Debt Service Coverage Ratio

DUNS - Dun and Bradstreet Numbering System

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

FY - Fiscal year

IBS - Integrated Business System

IRR - Internal Rate of Return

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

NPV - Net Present Value

PFS - Pre-Foreclosure sale (REO program)

PHA - Public Housing Authority

PV - Present Value


Mortgage: Acronyms

ARRA - American Recovery and Reinvestment Act

BEDI - Brownfields Economic Development Initiative. Grants, connected with 108 guaranteed loans to improve security of viability of projects

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

BRI - Brownfields Redevelopment Initiative. Interagency initiative addressing financial and legal risks of brownfield clean-up and redevelopment.

Budget Authority - Legal authority to enter into financial obligations

CDBG - Community Development Block Grant (CPD program)

CEF - Community Empowerment Fund; administered by CPD

CFCF - Capital Fund Education and Training Community Facilities

CFO - Chief Financial Officer (HUD Office of)

CFR - Code of Federal Regulations

CHAS - Comprehensive Housing Affordability Strategy

CHDO - Community Housing Development Organization. Nonprofit housing provider receiving minimum of 15% of HOME Investment Partnership funds

CIO - Chief Information Officer (HUD Office of)

CITI - Correcting Incorrect Tenant Identifiers

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

CoC - Continuum of Care approach to assistance to the homeless

COCC - Central Office Cost Center

Continuum of Care - Federal program stressing permanent solutions to homelessness

COE - Army Corps of Engineers

Con Plan - Consolidated Plan; a locally developed plan for housing assistance and urban development under the Community Development Block Grant and other CPD programs

Contract Authority - Statutory authority. Budget authority permitting contracting or obligations prior to an appropriation for payment

CPD - Community Planning and Development (HUD Office of)

CSI - Community Strategies Institute

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

Data Warehouse - Information system storing HUD program and operational data

Davis Bacon - Statutory requirement that persons working on federally assisted projects be paid at least minimum prevailing wage rates

DEC - Departmental Enforcement Center

DHAP - Disaster Housing Assistance Program (HCV Program)

DOT - Declaration of Trust

EA - Environmental Assessment. Analysis to determine the affect of a project on the environment. May lead to an Environmental Impact Statement (EIS).

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

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

EDI - Economic Development Initiative (CPD program)

EDSS - Economic Development and Supportive Services (CPD program)

EEO - Equal Employment Opportunity

EIV - Enterprise Income Verification

EMAD - Economic and Market Analysis Division

EPA - U.S. Environmental Protection Agency

EZ - Empowerment Zone

FAR - Federal Acquisition Regulation

FEMA - Federal Emergency Management Administration

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

FHA - Federal Housing Administration (HUD Office of Housing)

FHIP - Fair Housing Initiatives Program (FHEO program). Program to assist state/local government, community groups and housing resource boards to combat housing discrimination

FHLMC - Federal Home Loan Mortgage Corporation. Federally chartered stockholder owned corporation supporting secondary market for conventional mortgages

FNMA - Federal National Mortgage Association. Federally chartered, stockholder owned corporation supporting secondary market for FHA, VA and conventional mortgages

FOIA - Freedom of Information Act

Ginnie Mae - (HUD) Government National Mortgage Association

GIS - Geographic Information System

HARP - Home Affordable Refinance Program

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

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

MBA - Mortgage Bankers Association

MBE - Minority Business Enterprise

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

MDDR - Multifamily Delinquency and Default Reporting

MHA - Making Home Affordable

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

USDA - U.S. Department of Agriculture

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

Commercial: Acronyms

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Florida Licensed Mortgage Brokerage| NMLS # 1787779   

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No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines by the lenders we work with, and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. For more information please review our Terms and Use, or call to speak with one of our license mortgage concierges.