A loan guaranteed by a third party, such as a government institution. Gutters Horizontal channels installed at the edge of a roof to carry rainwater or melted snow away from the house. This provision of homeowners insurance covers damage by fire, wind or other disaster. It is required by all lenders before a loan is approved. Header Crossbeams above windows and doors.
Heat pump An electric cooling and heating system.
Hectare A metric measurement of area equal to 10,000 square meters. One hectare is the same as 2.471 acres. See acre . A concentration of housing units in a specific area or on a specific property. Any building higher than six stories.