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Mortgage Terms - H

Hazard Insurance:
Insurance on a property against fire and similar risk.
Heirs and Assigns
An association of people who won homes in a given area for the purpose of importing or maintaining the quality of the area.
Homeowners Association
An association of people who own homes in a given area for the purpose of improving or maintaining the quality of the area.
Homeowner's Policy
Policy which expands the insurance for a homeowner. It may include theft, liability, earthquake, etc.
Homeowners or Maintenance Fees
Payments made by property owner(s) of a condominium or a unit in PUD to the homeowners' association for expenses incurred in upkeep of the common areas.
Housing and Urban Development (HUD)
The federal government agency that oversees FHA.
HUD 1
A closing document required by HUD that outlines the settlement cost of a loan. The closing agent generally prepares the document and buyer receives it shortly after the loan is closed.
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