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Underwriting	The process of analyzing a borrower’s capability to honor repayment of a loan (evaluating his or her credit, assets, employment) along with the value of the property being purchased, to help minimize the risk involved for the party lending the purchase money
Unilateral contract	A one-sided contract in which only one party is legally under obligation by the terms of the contract; one party promises an action to the second party, who is not legally required to respond, but if the second part does comply, then the first party is obligated to honor the promise made
Unsecured loan	A loan that is not guaranteed by collateral
Usury	The act of charging more than the maximum rate of interest permitted by law

When it comes to real estate, my goal is to help you achieve your goal. Whether you want to move-up, scale down or find the ocean-view home you always dreamed of, I listen carefully to your real estate needs and then come up with a strategy to achieve your objectives. But don’t just take my word for it — I encourage you to read the letters written my clients (see the testimonial section on this website). I bring the same honesty, integrity and professionalism I brought to these clients to every transaction. And that’s my personal promise to you!

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