Glossary




CableThe way a computer gets to the intern...
capPreset limits placed on the change in...
capital appreciationThe increase in value for land and pr...
Capital fundingType of funds used to pay for the pur...
Care attendantA person who is employed to provide c...
cash flowThe dollar income generated by a rent...
cash reserveThe equivalent of mortgage payments t...
caveat emptorA Latin phrase meaning ""let the buye...
CDBGCommunity Development Block Grant. A...
CDCCommunity Development Corporation. A ...
CD-ROM

Compact Disc Read Only Memory. A ...

Certain development VouchersEnable non-elderly families having a ...
certified checkPayment that is guaranteed by the ban...
chattelItems of personal property such as fu...
CHDOA CHDO is a special type of non-profi...
child care expensesExpenses of a family for care of chil...
CJI

The Creating Jobs Initiative is a...

clear titleTitle to a property without liens or ...
closingA meeting or settlement of the finali...
closing costsExpenses or settlement costs above th...
cloud on the titleA defect in the title that may affect...
Cocaine Anonymous (CA)FREE support group for people who wan...
commissionPayment given by the seller of a prop...
commitmentA written agreement between a lender ...
commitment letterA letter sent by the lender to borrow...
common facilitiesAreas in a condominium, cooperative, ...
Community Dev. Block Grant (State Administered)States participating in the CDBG Prog...
Community Development Block Grant (Insular Areas)The Insular Areas CDBG program provid...
Community Development Block Grant Program (CDBG)A Federal program created under the H...
Community Development Block Grants (Entitlement)In this program HUD directly provides...
Community Development Block Grants (Small Cities)In this program, HUD directly provide...
Community Housing Development Organization (CHDO)A federally defined type of nonprofit...
Community Mental Health Organizations

Organizations that provide b...

ComponentOne of the parts into which a country...
Comprehensive Grant Program (CGP)HUD grant program via an annual formu...
condominiumHousing style where the buyers own th...
conservatorA person or entity appointed by a cou...
considerationAnything of value but usually a sum o...
ConsoleThe terminal that holds and controls ...
Consolidated PlanA document written by a State or loca...
Consolidated Plan CertificationThe form, required by law, in which a...
Consolidated Plan (CONPLAN)A ""master plan"", approved by HUD, ...
ConsumerA mental health services consumer is ...
contingencyA provision in a contract that keeps ...
Continuum of Care PlanAn inititative created by HUD to help...
contractAn agreement between two parties. To ...
contract rentThe rent HUD authorizes an owner to c...
conventional mortgageLoans not insured by the FHA or guara...
Conversion Vouchersassist PHAs with relocation or replac...
convertible mortgageAn adjustable rate mortgage that can ...
conveyTo transfer ownership of and title to...
conveyanceA housing style where buyers purchase...
Co-Occurring DisorderCo-occurrence or dual diagnosis is th...
CookiesMessages stored on your hard drive by...
CPRS

Certified Peer Recovery Specialis...

credit derogativeNegative credit reflected on a credit...
credit reportAn individual's or organization's cre...
Current InventoryAn inventory of the community's exist...

The way a computer gets to the internet or e-mail by a cable TV line. It is more expensive than a regular phone line but is much faster.

Preset limits placed on the change in the interest rate or the change in the paymjent over the life of the loan.

The increase in value for land and properties such as homes, beyond the increase due to inflation.

Type of funds used to pay for the purchase, rehabilitation or new construction of permanent affordable housing

A person who is employed to provide care for elderly, handicapped, or other tenants who are mentally or physically ill or incapacitated and who need special assistance. Live in attendant is not party to the lease and their income is not considered as part of household's income.

The dollar income generated by a rental property after all expenses are met.

The equivalent of mortgage payments that a lender requires a borrower to have available after closing.

A Latin phrase meaning ""let the buyer beware"". Legally, however, in virtually no state is the law of caveat emptor still in effect.

Community Development Block Grant. A grant program administered by the US Dept. of Housing and Urban Development (HUD), CDBG is a major funding souce under HUD guidelines. CDBG provides eligible metropolitan cities and urban counties with annual direct grants that they can use to revitalize neighborhoods, expand affordable housing and economic opportunities, and/or improve community facilities and services, prinicipally benefiting low and moderate income persons.

Community Development Corporation. A community based organization dedicated to development of economic opportunities and/or housing in the community.

Compact Disc Read Only Memory. A CD that holds many mega bites of memory. It is able to run programs much faster than the old floppy discs and is able to hold pictures, writings, sounds, games, and movies. Depending on the type (R+, R-, Read/Write (RW), they are either erasbale or not. Some CD-ROMs are designed for data and music exclusively, and others for video. These two types are not interchangeable when storing the material. For example, a music CD-ROM would not play video when placed in a DVD player, however, it may play the sound if recorded in that format. Some CDs/DVDs will not play in every machine (R+, R-, RW+, RW-) The CD type must match the design of its player. Newer players can play a larger variety of CD-ROM types than older players. Check your owner's manual for the machine.

Enable non-elderly families having a person with disabilities, who do not currently receive housing assistance in certain developments where owners establish preferences for, or restrict occupancy to, elderly families, to obtain affordable housing.

Payment that is guaranteed by the bank upon which it is drawn.

Items of personal property such as furniture, appliances, and lighting fixtures that are not permanently affixed to the property being sold.

A CHDO is a special type of non-profit organization and has meaning only in the context of HUD's HOME program. A CHDO is a non-profit, community-based organization that has, or intends to retain, staff with the capacity to own, manage, and/or sponsor affordable housing.

Expenses of a family for care of children under age 13, that meet HUD requirements for special allowances.

The Creating Jobs Initiative is a strategic plan partnering with Tennessee communities to increase employment opportunities for persons with mental illness across the state. One goal of the program was to provide employment to 2,010 persons with mental illness by the year 2010. CJI includes a targeted, grassroots, multi-agency task force with local communities in each of the seven mental health planning regions.

Title to a property without liens or questions of ownership.

A meeting or settlement of the finalized sale on a property where documents are signed and monies exchanged.

Expenses or settlement costs above the sale price, incurred by both buyer and seller during the transfer of a property.

A defect in the title that may affect the owner's ability to market his/her property. That could be a lien, a claim, or a judgment.

FREE support group for people who want to achieve and maintain sobriety, abstinence from mind-altering drugs and learn to live their lives more fully without cocaine.

Payment given by the seller of a property given to a real-estate agent for his/her services (usually paid at closing).

A written agreement between a lender and a borrower to loan money subject to compliance with stated conditions.

A letter sent by the lender to borrower stating that the loan has been approved and describing the terms of the loan.

Areas in a condominium, cooperative, mobile home park, apartments, or private home association shared by all residents. Examples include hallways, grounds, laundry room, swimming pool, and golf course.

States participating in the CDBG Program award grants only to units of general local government that carry out development activities. Annually each State develops funding priorities and criteria for selecting projects.

The Insular Areas CDBG program provides grants to four designated areas: American Samoa; Guam; Northern Mariana Islands; and the Virgin Islands.

A Federal program created under the Housing and Community Development Act of 1974. This program provides grants funds to local and State governments to be used to develop viable urban communities by providing decent housing with a suitable living environment and expanding economic opportunities to assist low- and moderate-income residents. CDBG replaced several categorical grant programs such as the Model Cities Program, the Urban Renewal Program and the Housing Rehabilitation Loan and Grant Program. Section 108 is the loan guarantee provision of the CDBG Program. It offers communities a source of financing for housing rehabilitation, economic development, and large-scale physical development projects.

In this program HUD directly provides annual CDBGs on a formula basis to entitled communities to carry out a wide range of community development activities directed toward neighborhood revitalization, economic development, and improved community facilities and services.

In this program, HUD directly provides annual CDBG funds on a formula basis to States, which then administer the funding and act as a partner with the Federal Government in distributing funds to carry out a wide range of community development activities directed towards neighborhood revitalization, economic development, and improved community facilities and services.

A federally defined type of nonprofit housing provider that must receive a minimum of 15 percent of all Federal HOME funds. The primary difference between CHDO and other nonprofits is the level of low-income resident participation on the Board of Directors.

Organizations that provide behavioral and addicition services to persons. Using psychoeducational programs, case management, medication management and therapy these services are available to persons in their personal communities. Here is a list of some Tennessee Organizations: AIM Center – Southeast Tennessee – (423) 702-8015, Centerstone – Middle Tennessee – (888) 291-4357, Frontier Health – Northeast Tennessee – (423) 975-6000, Helen Ross McNabb -East Tennessee-(865) 637-9711, Lowenstein House – Shelby County – (901) 274-5486, Park Center – Davidson County – (615) 650-2900, Pathways –West Tennessee - (731) 541-4545, Peninsula– East Tennessee – (865) 970-9800, Quinco – West Tennessee – (731) 658-6113, Ridgeview – East Tennessee – (865) 481-6170, TN Mental Health Consumers' Assoc. (TMHCA) - (888) 539-0393, Volunteer - Middle Tennessee (888) 756-2740

One of the parts into which a country or an organization is divided for political, judicial, military, or other purposes

HUD grant program via an annual formula to large public housing authorities to modernize public housing units.

Housing style where the buyers own their apartments outright, plus an undivided share in the common areas of the community.

A person or entity appointed by a court to manage the property and financial affairs of another person (usually someone who is incompetent). For example, an adult daughter may be appointed as the conservator for her father who is suffering from advanced Alzheimer's disease. Sometimes called a guardian.

Anything of value but usually a sum of money. A contract to buy property must have a consideration in order to be binding.

The terminal that holds and controls various parts of the computer.

A document written by a State or local government describing the housing needs of the low- and moderate-income residents, outlining strategies to meet the needs and listing all resources available to implement the strategies. This document is required to receive HUD Community Planning and Development funds.

The form, required by law, in which a state or local official certifies that the proposed activities or projects are consistent with the jurisdiction's Consolidate Plan and, if the applicant is a State or unit of local government, that the jurisdication is following its Consolidated Plan.

A ""master plan"", approved by HUD, for states and local communities to receive federal funds directly from HUD for new affordable housing and community development activities. The ConPlan is intended to be a comprehensive, long-range planning document that describes housing needs, market conditions, and housing strataegies, and outlines an action plan for the use of federal housing funds. The ConPlan controls access of funds to the following programs: Community Development Block Grant (CDBG), Emergency Shelter Grant (ESG), HOME Investments Partnerships Program (HOME), Housing Opportunities for Persons with AIDS (HOPWA). A unit of local governement that receives CDBG, HOME, ESG, amd/or HOPWA program funding directly from HUD must submit a ConPlan. Every state must also a ConPlan.

A mental health services consumer is someone who is receiving or has received mental health services. The term ""consumer"" is used interchangeably with terms such as ""client"", ""patient"", ""ex-patient"", or ""survivor"". The term ""consumer"" is often chosen because it is believed to convey a sense of power to the person receiving mental health services, as one who proactively ""purchases"" or ""consumes"" mental health services.

A provision in a contract that keeps it from becoming binding until certain activities are accomplished. The buyer's securing a satisfactory mortgage is often a contingency to a sale

An inititative created by HUD to help communities plan for homeless housing and services and to provide a means for communitites to access HUD funded homeless resources

An agreement between two parties. To be valid, a real-estate contract must be dated, must be in writing, and must include a consideration, a description of the property, the place and date of delivery of the deed, and all terms, and conditions mutually agreed upon. It must also be executed (signed) by all concerned parties.

The rent HUD authorizes an owner to collect for a unit occupied by a household receiving assistance.

Loans not insured by the FHA or guaranteed by the VA. They may be insured by Private Mortgage Insurance (PMI) companies.

assist PHAs with relocation or replacement housing needs that result from the demolition, disposition, or mandatory conversion of public housing units. Also conversion vouchers include providing assistance to families living in section 8 projects for which the owner is opting out of the HAP contract, HUD is taking enforcement action against owners with project-based assistance, and projects for which the owner is prepaying the mortgage.

An adjustable rate mortgage that can be converted to a fixed-rate mortgage under specified conditions.

To transfer ownership of and title to a property from one person to another.

A housing style where buyers purchase shares in the corporation that owns the building. The number of shares varies according to the size of the apartment unit being bought or sometimes its purchased price. Tenant-shareholders have a proprietary lease that gives them the right to their units.

Co-occurrence or dual diagnosis is the simultaneous existence of a substance use disorder interacting with one or more independent DSM-IV Axis I or II mental disorders and/or a physical/sensory/cognitive/developmental disability. The disorder/disabilty is of a type and severity which exacerbates the substance use disorder or other conditions, and/or complicates treatment of the substance use disorder, and/or interferes with functioning in certain social roles.

Messages stored on your hard drive by a Web page. It can be anything, but usually is something to help you use that Web page the next time you call it up on your computer.

Certified Peer Recovery Specialist (CPRS) is a term created by the Office of Consumer Affairs and Peer Support Services of TDMHSAS in the Spring of 2013 that replaces TCPS (Tennessee Certified Peer Specialist) as the official title of a recovery specialist in Tennessee. In the field of peer support services to individuals with psychiatric and/or substance use concerns this title was changed to more accurately reflect the expansion of both psychiatric and substance use participants in addition to co-occurring service participants in recovery services.

See http://www.tn.gov/mental/recovery/oca3.shtml for more details.

Negative credit reflected on a credit report such as slow pays, open collections accounts, liens, judgments etc.

An individual's or organization's credit history prepared by a credit bureau and used by a lender to determine a loan applicant's creditworthiness.

An inventory of the community's existing beds and supportive services.