Mortgage Glossary

# A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Underwriting
The process of analyzing a loan application to determine the amount of risk involved in making the loan; it includes a review of the potential borrower's credit history and a judgment of the property value.

Unencumbered Property
Property that is fee and clear of debts or liens.

Unimproved Land
Land in its natural state with no man-made changes in its appearance.

Usury
Interest charges that are higher than allowed by law.

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