Friday, September 30, 2011

Real Estate Glossary - U

Underlayment : A layer of wood between the subfloor and the floor.

Underwriting : The process that lenders go through to evaluate the risks posed by a particular borrower and to set appropriate conditions for the loan.

Undisclosed heir : A person who claims the right to a piece of property after the death of an owner without a will.

Undisclosed spouse : An unidentified marital partner who can claim the right to a piece of property.

Unrecorded deed : An unrecorded deed transfers ownership from one party to another without being officially recorded.

U.S. Department. of Housing and Urban Development (HUD) : A federal agency that oversees the Federal Housing Administration and a variety of housing and community development programs.

Unsecured loan : Any loan that is not backed by collateral.

Upgrades : Options than the standard carpeting, lighting, finish carpentry and other amenities offered to all buyers in a new-home project.

Upzoning : The process in which a property is zoned from a lower to a higher use.

Urban sprawl : The unplanned expansion of development over a large area.

Usury : A reference to illegally excessive interest charged on any loan.

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