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Veterans Administration-backed mortgage. The VA, a federal agency, operates a loan guarantee program for honorably discharged veterans and widows of veterans who died of a service-related injury. Mortgages call for low or no down payment.

Interest rate that changes periodically in relation to a specific index.

A variance is an administrative exception to land use regulations. Generally, it is applied when the municipality wants to avoid compensating a landowner for making the landowner render changes to the real property to make it comply with the zoning regulation. Variances are sometimes needed due to specific site conditions (property configuration, topography, soil, trees, etc.), and granted after review and submissions of proof why they are needed.