One thousand watts. A kilowatt hour is the base unit used in measuring electrical consumption. Also see watt.

In lumber, the portion of a branch or limb of a tree that appears on the edge or face of the piece.

Bonding together two or more layers of materials.

To cover the surface of one shingle or roll with another.

The underground trench and related services (i.e., electric, gas, telephone, sewer and water lines) that will be buried within the trench.

An open framework of criss-crossed wood or metal strips that form regular, patterned spaces.

A strip of lumber nailed along the bottom of the side of a girder on which joists rest.

Nominal 1 inch-thick boards applied into notched studs diagonally. Also, an "L" shaped, long (@ 10') metal strap that are installed by the framer at the rough stage to give support to an exterior wall or wall corner.

A mortgage with identical monthly payments over the life of the loan.

Space in a window sash for a single pane of glass. Also, a pane of glass.

A unit of measure for lumber equal to 1 inch thick by 12 inches wide by 12 inches long. Examples: 1" x 12" x 16' = 16 board feet, 2" x 12" x 16' = 32 board feet.

Includes all exterior walls and any interior wall that is aligned above a support beam or girder. Normally, any wall that has a double horizontal top plate.

The ratio of the loan amount to the property valuation and expressed as a percentage. E.g. if a borrower is seeking a loan of $200,000 on a property worth $400,000 it has a 50% loan to value rate. If the loan were $300,000, the LTV would be 75%. The higher the loan to value, the greater the lender's perceived risk. Loans above normal lending LTV ratios may require additional security.

A vented opening into the home that has a series of horizontal slats and arranged to permit ventilation but to exclude rain, snow, light, insects, or other living creatures.

Any part, such as a bolt, designed to fit into another (female) part. External threads are male.

A wood product such as a truss, beam, gluelam, microlam or joist which is manufactured out of smaller wood pieces and glued or mechanically fastened to form a larger piece. Often used to create a stronger member which may use less wood. See also Oriented Strand Board.

Stone, brick, concrete, hollow-tile, concrete block, or other similar building units or materials. Normally bonded together with mortar to form a wall.

A lien on real property, created by statue in many years, in favor of persons supplying labor or materials for a building or structure, for the value of labor or materials supplied by them. In some jurisdictions, a mechanics lien also exists for the value of professional services. Clear title to the property cannot be obtained until the claim for the labor, materials, or professional services is settled. Timely filing is essential to support the encumbrance, and prescribed filing dates vary by jurisdiction.

A manufactured structural wood beam. It is constructed of pressure and adhesive bonded wood strands of wood. They have a higher strength rating than solid sawn lumber. Normally comes in l inch thickness' and 9 inch, 11 inch and 14 inch widths

Generally all building materials made of finished wood and manufactured in millwork plants. Includes all doors, window and door frames, blinds, mantels, panelwork, stairway components (ballusters, rail, etc.), moldings, and interior trim. Does not include flooring, ceiling, or siding.

A wood strip having an engraved, decorative surface.

A mixture of cement (or lime) with sand and water used in masonry work.

A broker who represents numerous lenders and helps consumers find affordable mortgages. The broker charges a fee only if the consumer finds a loan.

Legal document establishing a loan on property.

A charge for work involved in preparing and servicing a mortgage application (usually one percent of the loan amount).