Hi! I need help matching the appropriate term to definition.

Loan-to-value ratio A. The term that describes the situation in which a homeowner is unable or unwilling to make the principal and interest payments on his or her mortgage, so the lender sues and by virtue of a court order can seize and sell the property Points or interest Clauses, when included in a real estate sales contract, that specify the conditions that must be satisfied before the contract becomes binding, points such as the seller's return of the earnest money if the buyer cannot obtain satisfactory financing within a specified period of time (for example, 30 days) Escrow account C. A ratio, which lenders use to qualify a potential mortgage borrower, that compares the applicant's gross annual income with the loan's total annual principal, interest, taxes, and insurance (PITI) costs Foreclosure D. A special reserve account at a financial institution in which funds-such as for home insurance and property taxes-are held until they are paid to a third party Amortization E. The table that breaks down each monthly mortgage payment into its schedule component principal and interest parts and reports the debt remaining after each payment is made throughout the life of the loan F. A mortgage that can be effectively transferred or sold to a second, Assumable mortgage subsequent borrowing home buyer after being created by an initial borrower and buyer; the second buyer makes a down payment equal to the first buyer's (seller's) equity and then continues to make the payments for the remaining term of the original mortgage loan Private mortgage G. The general name that refers to and quantifies the fees lenders charge at the time they grant a mortgage loan insurance Also referred to as PMI; an insurance policy that protects the mortgage Earnest money H. deposit lender from a default by its mortgage borrower and insures the difference between the down payment required by the loan's loan-to-value ratio and thee actual, lower down payment Front-end ratio I. The ratio of the maximum loan that a lender is willing to make to purchase a property divided by the cost of the property Contingency clause J. The money a potential house buyer pledges to show his or her good faith when making an offer