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| 1900 Hwy 64 West |
| Murphy, NC 28906 |
| Direct : My cell#: (828)837-0991 Toll free: 877-837-2288 |
| Fax : (828)837-9080 |
| Email |
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| Real Estate Terms Glossary |
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| U.S. Department. of Housing and Urban Development (HUD) |
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| A federal agency that oversees the Federal Housing Administration and a variety of housing and community development programs. |
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| Underlayment |
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| A layer of wood between the subfloor and the floor. |
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| Underwriting |
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| The process that lenders go through to evaluate the risks posed by a particular borrower and to set appropriate conditions for the loan. |
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| Undisclosed heir |
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| A person who claims the right to a piece of property after the death of an owner without a will. |
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| Undisclosed spouse |
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| An unidentified marital partner who can claim the right to a piece of property. |
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| Unrecorded deed |
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| An unrecorded deed transfers ownership from one party to another without being officially recorded. |
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| Unsecured loan |
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| Any loan that is not backed by collateral. |
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| Upgrades |
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| Options than the standard carpeting, lighting, finish carpentry and other amenities offered to all buyers in a new-home project. |
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| Upzoning |
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| The process in which a property is zoned from a lower to a higher use. |
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| Urban sprawl |
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| The unplanned expansion of development over a large area. |
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| Usury |
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| A reference to illegally excessive interest charged on any loan. |
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