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PARTITION ACTION - Court proceedings by which co-owners seek to sever their joint ownership.
PARTNERSHIP - An association of two or more persons to carry on, as co-owners, a business for profit.
PARTICIPATION MORTGAGE - A mortgage where the borrower not only amortizes the loan, but also pays a portion of the gross income to the lender. PARTY WALL - A wall erected on the line between two adjoining properties, which are under different ownership, for the use of both properties. PAYMENT CAP a€“ A limitation on increases in payment rather than increases in interest rates on some types of ARM loans.
PENALTY - An extra payment or charge required of the borrower for deviating from the terms of the original loan agreement. PENNY (d) - Suffix designating the size of nails, such as 6d (penny) nail, originally indicating the price, in English pence, per 100 nails. PERCENTAGE RENT a€“ Rent or Additional Rent that is based upon a percentage of a Tenanta€™s gross sales volume. PERCOLATION TEST - A soil test to determine if soil will take sufficient water seepage to permit use of a septic tank. PERFORMANCE BOND - A bond that binds a surety company to complete a construction contract if the contractor defaults.
PERFORMANCE SPECIFICATION - States how a building element must perform as opposed to describing equipment, products or systems by name.
PERMITS - Approvals required by local building authorities, including building, land use, fire, energy code, etc. PERSONAL REPRESENTATIVE - One appointed by a probate court to administer the estate of a deceased person. PHSYSICAL TRADE BARRIER - An impediment such as a river or roadway that physically prohibits traffic from crossing it. PILASTER - A rectangular column that usually projects out from the wall to which it's attached by about a third of its width.
PITI a€“ (Principal, Interest, Taxes and Insurance) - Parts of a mortgage or loan that includes an escrow fund established to accumulate funds for the future payment of taxes and insurance (in addition to principal and interest) on behalf of the borrower. PLANNED UNIT DEVELOPMENT (PUD) a€“ Property that has been planned and zoned for specific development. PLANNING COMMISSION - A group of citizens appointed by the city council or board of supervisors to consider land use planning matters including proposals to adopt or amend a general plan or zoning ordinance, take action on subdivisions, and approve use permits and variances (also called a Planning Board). PLAT PLAN a€“ A drawing of the legal boundaries of a property and the location of buildings within these boundaries. PLENUM - Chamber in which the pressure of the air is higher (as in a forced-air furnace system) than that of the surrounding air.
PM TRAFFIC a€“ The side of a roadway that has the most intense traffic during the weekday evening commute. POLITICAL SIGNS a€“ A temporary sign that advertises a candidate or candidates for public elective office or to support or defeat a proposition or issue at a general, primary, special, school or any other election decided by ballot or any sign displaying a political opinion.


POLYGON - A closed path or circuit composed of a infinite sequence of straight line segments.
POLYGON DEMOGRAPHICS a€“ A demographic report that uses a series of straight lines (a polygon) to defines its borders rather than using scaled radius lines (one mile, five miles, etc). PORTABLE SIGN a€“ a sign that is designed to be moved from place to place and not permanently anchored or secured to either a building or the ground. PORTFOLIO LENDER a€“ A lender that retains loans in its own portfolio, rather than selling it on a secondary market.
PORTLAND CEMENT - Hydraulic cement produced by pulverizing clinker consisting essentially of hydraulic calcium silicates, usually containing one or more forms of calcium sulfate as an inter-ground addition. PRE-LEASING - The leasing of a project before construction of the project has been completed. PRELIMINARY PLAT APPROVAL - Preliminary plat approval is the approval by the authorized local administrative body of a preliminary subdivision drawing or plat that shows the site conditions, subdivision lines, and proposed improvements as specified in the localitya€™s subdivision regulations. PREPAYMENT PENALTY a€“ Charges by the lender if the loan is pain off before the end of the term.
PRE-QUALIFICATION a€“ Determining a borrowera€™s potential qualification for a mortgage, although does not guarantee a commitment for a loan by a lender. PRESCRIPTION SPECIFICATION - Traditional procedure used on building projects to describe by name products, equipment or systems to be used. PRINCIPAL USE - A principal use is the primary use of a lot that is permitted under the district regulations in a zoning law. PRIVATE MORTGAGE INSURANCE a€“ Mortgage insurance provided by a purchaser to insure the lender in the event of a default. PROCESSING a€“ A procedure from the time of a loan application through submission to an underwriter.
PROJECTING SIGN - A building mounted sign with the faces of the sign perpendicular to the building fascia. PREMISES a€“ Generally means a lot with all its appurtenances and buildings that function as a single unit. PRO-RATA SHARE - Percentage of building occupied by the tenant, which is usually based on the rentable or leaseable square footage measurement of your space compared to the rentable or leaseable square footage of the building. PRORATE - To allocate between seller and buyer their proportionate share of an obligation paid or due. PRORATION - Adjustments of interest, taxes, insurance, etc; on a prorated basis as of the closing date. PSYCOLOGICAL TRADE BARRIER a€“ An impediment - not clearly defined - that prohibits or restricts traffic flow or movement. PUBLIC HEARING - These hearings afford citizens affected by a reviewing boarda€™s decision an opportunity to have their views heard before decisions are made. PUBLIC SERVICES - Public services are those services provided by the municipal government for the benefit of the community, such as fire and police protection, education, solid waste disposal, street cleaning, and snow removal.
PUBLIC TRUSTEE - The public official in each county whose office has been created by statute, to whom title to real property is conveyed by Deed of Trust for the use and benefit of the beneficiary, who usually is the lender.


PUNCH LIST - A construction document used to organize the completion of a construction project. PURCHASE MONEY MORTGAGE - A mortgage given by the purchaser to secure a loan for part or all of the purchase price. Because of its increased visibility, it is usually the most coveted (and therefore, expensive) position in a shopping center.
Each partner is responsible for liabilities of the partnership, which is a separate entity from the individual interests of each partner. Usually levied for being late in making a regular payment or for paying off the loan before it is due.
Orignally designed to be both structural as well as ornimental, they remain an effective way to increase masonry's structural capacity. Plat - This is a site plan or subdivision map that depicts the arrangements of buildings, roads, and other services for a development. Often placed on vehicles, it is an opportunity to gain more attention to your business while increasing positive customer awareness. Following a loan commitment from the lender, the borrower signs a note, promising to repay the loan under stipulated terms. The right to use, possess, enjoy and dispose of a thing in every legal way and to exclude everyone else from interfering with these rights.
Also referred to as a Traffic Barrier, it could be an area of heavy traffic, a low-income neighborhood, or other reason that most people do not want to drive through or past. State statutes require that public hearings be held regarding the application for a variance or a subdivision approval.
Upon completion of a project, it is a list (punch list) of items that have not been completed or workmanship that needs to be fixed or redone by the General or sub-contractors.
Such a mortgage becomes a lien on the property simultaneously with the passing of title, and if promptly recorded becomes prior to any lien against the purchaser.
It is usually available to land owners as a mixed use option to single uses permitted as-of-right by the zoning ordinance. Unless the district regulations allow mixed uses, only one principal use may be made of a single lot, along with uses that are accessory to that principal use. If a property is sold during this time, the seller wants a refund on that portion of the advance payment that has not been used at time of closing.
Public hearings regarding site plan applications and draft environmental impact statements may be required as a matter of local practice.



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