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accepted by the recipient. This compare lowest mortgage interest rate it impossible to grant a pardon posthumously. However, in the case of Henry Ossian Flipper, this view was altered when President Bill Clinton pardoned him in 1999. In some jurisdictions, a deed of trust is used as an equivalent to a mortgage. In some jurisdictions (especially New Zealand) a deed of endowment is used as an equivalent to a Royal Charter, often used to establish educational or medical institutions. One such example is when the Governor of New Zealand, Sir George Grey, compare lowest mortgage interest rate the Auckland and Wellington Grammar schools in 1850. In the transfer of real estate, a deed conveys ownership from the old owner (the grantor) to the new owner (the grantee), and can include various warranties. The precise name of these warranties differ compare lowest mortgage interest rate jurisdiction. However the basic difference between them is the degree to which the grantor warrants the title. The grantor may give a general warranty of title against any claims, or compare lowest mortgage interest rate warranty may be limited only to claims which occurred after the grantor obtained the real estate. The latter type of deed is usually known as a special warranty deed. While a general warranty deed is normally used for residenial real estate sales and transfers, special warranty deeds more commonly used in commercial transactions. A third compare lowest mortgage interest rate of deed, known as a bargain and sale deed, implies that the grantor has the right to convey title but makes no warranties against encumbrances. This type of deed is most commonly used by court officials or fiduciaries that hold the compare lowest mortgage interest rate by force of law rather than title, such as properties seized for unpaid taxes and sold at sheriff's sale. A so-called quitclaim deed is (in most states) actually not a deed at all--it is actually an estoppel disclaiming rights of the person signing it to property. Usually the transfer of ownership of real estate is registered at a cadastre in the United Kingdom. In most parts of compare lowest mortgage interest rate United States, deeds must be submitted