GENERAL TERMS
BOM / Beginning of Month
BRE / Bureau of Real Estate
CalBRE or BRE / California Bureau of Real Estate
C.A.R. / California Association of REALTORS®
CAVE / Citizens Against Virtually Everything
CFPB / Consumer Finance Protection Bureau
CMA / Comparative or Comparable Market Analysis
COE / Close of Escrow
CVAR / Central Valley Association of REALTORS®
DRE / Department of Real Estate (now CalBRE or BRE)
EOM / End of Month
EMD / Ernest Money Deposit
FIRPTA / Foreign Investment in Real Property Tax Act
HOA / Home Owners Association
MLS / Multiple Listing Service
NAHREP / National Association of Hispanic Real Estate Professionals
N.A.R. National Association of REALTORS®
NHD / Natural hazards Disclosure
NIMBY / Not in my backyard
PACE / Property Assessed Clean Energy Program
PUD / Planned Unit Development
REO / Real Estate Owned (bank owned properties)
WCR / Women’s Council of REALTORS®

LOAN TERMS
FHA / Federal Housing Administration
FNMA or Fannie Mae / Federal National Mortgage Association
Freddie Mac / Federal Home Loan Mortgage Corporation
GFE / Good Faith Estimate
GNMA or Ginnie Mae / Government National Mortgage Association
HELOC / Home Equity Line of Credit
HUD / Department of Housing and Urban Development
RESPA / Real Estate Settlement Procedures Act
TRID / Truth In Lending Integrated Disclosure

ZIP FORMS
AD / Agency Disclosure
AVID / Agent Visual Inspection Disclosure
BIA / Buyers Inspection Advisory
CO / Counter Offer
RLA / Residential Listing Agreement
RPA or RPA-CA / Residential Purchase Agreement
SBSA / Statewide Buyer Seller Advisory
SPQ / Seller Property Questionnaire
TDS / Transfer Disclosure Statement

NAR/CAR/CVAR Misc. Terms
AE / Association Executive
AOR / Association of REALTORS®
BOD / Board of Directors
CE / Continuing Education units
CREPAC / California Real Estate Political Action Committee
FPC / Federal Political Coordinator
G.A.D. / Government Affairs Director
HAF / Housing Affordability Fund
IMPAC / Issues Mobilization Political Action Committee
LCRC / Local Candidate Recommendation Committee
LGR / Local Government Relations
MHM / Members Helping Members
RAPP / REALTORS Alliance for Proper Planning
RAF / REALTOR Action Fund
RPR / REALTORS® Property Resource (for use with participating MLS systems)
YPN / Young Professionals Network

NAR Designations (most common)
CCIM / Certified Commercial Investment Member
CPM / Certified Property Manager
CRB / Certified Real Estate Brokerage Manager
CRS / Certified Residential specialist
GRI / Graduate, REALTOR® Institute