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J, K

Joint Ownership Agreement	An agreement made between two or more owners of the same property, defining their rights and responsibilities (e.g. recommended in the case of married owners of property) See Equity sharing
Joint tenancy, or Tenants by the entirety	Ownership of real estate by two or more parties held jointly for life; if one of the owners dies, the survivor(s) inherit the property without reference to the deceased's will
Judgment	A decision or decree made by a court of law
Judgment lien	A claim against the real property of a debtor, as decreed by the court
Jumbo loan, or Non-conforming loan	A loan amount that exceeds the limits set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation; because such loan cannot be funded by these two agencies, it carries a higher interest rate
Junior mortgage, or Secondary mortgage	A mortgage whose claim to repayment is of lesser priority than another, previously recorded mortgage

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Kelly Ellerbrake RE/MAX Preferred 1668 Windham Way O'Fallon, IL 62269 Phone: 618-632-0001 Fax: 618-632-7865 Email: kellyellerbrake@NUMBER1EXPERT.com Kelly Ellerbrake has been a Realtor, licensed in Illinois, for 18 years. She has been a member of the Scott Air Force Base and surrounding communities since 1980. As the daughter of a retired Air Force Colonel, she understands relocating! Kelly is a Certified Residential Specialist (CRS) and has helped more than 600 families relocate by assisting and supporting them with her unique buyers and sellers programs! Contact Kelly today to see why she is the area's #1 Real Estate Expert! www.KellyEllerbrake.net is brought to you by Kelly Ellerbrake, real estate for O'Fallon, Scott Air Force Base and Shiloh, Illinois Read Kelly Ellerbrake's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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