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Graduated Payment Mortgage (GPM) - A fixed -rate, fixed -schedule loan. It starts with lower payments than a level payment loan; payments rise annually, with the entire increase being used to reduce the outstanding balance. The increase in payments may enable the borrower to pay off a 30 -year loan in 15 to 20 years, or less.

Hip roof - A roof that rises by inclined planes from all four sides of a building.

Mullion - A vertical divider in the frame between windows, doors, or other openings.

Sheet rock - Drywall -Wall board or gypsum - A manufactured panel made out of gypsum plaster and encased in a thin cardboard. Usually 1/2" thick and 4' x 8' or 4' x 12' in size. The 'joint compound'. 'Green board' type drywall has a greater resistance to moisture than regular (white) plasterboard and is used in bathrooms and other "wet areas".

Sole plate - The bottommost horizontal part of a stud partition. When a plate rests on a foundation, it's called a sill plate.

Spandrel - The space between two openings which are one above the other in a wall.

Specifications or Specs - A narrative list of materials, methods, model numbers, colors, allowances, and other details which supplement the information contained in the blue prints. Written elaboration in specific detail about construction materials and methods. Written to supplement working drawings.

Taping - The process of covering drywall joints with paper tape and joint compound.

Volt (V) - A measure of electrical pressure. Volts x amps = watts.

Weatherization - Work on a building exterior in order to reduce energy consumption for heating or cooling. Work involving adding insulation, installing storm windows and doors, caulking cracks and putting on weather -stripping.