Mortgage Market.

Title: A legal concept relating to ownership of property. Title Insurance: Insurance to protect the buyer and lender against losses arising from disputes over the ownership of a property. Title Search: An examination of public records to determine the legal ownership of property. by a title company using computerized records. Total Expense Ratio: Total obligations as a percentage of gross monthly income including monthly housing expenses plus other monthly debts. Truth In Lending Act: A federal law requiring disclosure of the annual percentage rate to homebuyers shortly after they apply for the loan. Also known as Regulation Z.