Underwriting
The lender's process of deciding whether to make a loan to a potential borrower based on credit, employment, assets and other factors, and the matching of this risk to an appropriate rate, term and loan amount.

Unsecured lines of credit
Revolving line of credit that is not secured, typically accessed with a check or credit card.

Upfront costs
The costs you must pay when applying for a loan. Typically these include loan application fees. Some lenders require some of your closing costs also be paid when you apply.