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2008: Year in Review - Complete Edition - Wayne Independent
Here is the complete round-up of highlights from front page news in The Wayne Independent for 2008 in Wayne County, Pa. 2- The year opens with coverage of one of many seminars on natural gas leasing, as companies and landmen canvass northern Wayne ...

New at Reason: Jacob Sullum on the Year in Blame Shifting - Reason.com
And so, yet again, a picture that has jack and shit to do with the article. I get that election season is meat and potatoes around here, but it's fucking over and the rest of us *suffered trauma* from it. It's not cool to jump behind a guy with PTSD ...

Today's Mortgage Terms starting with L

Lender: The bank, mortgage company or mortgage broker providing the loan.

Loan Application: A statement of personal and financial information needed to apply for a loan.

Loan Application Fee: A fee applied by a lender to cover the initial costs of putting through a loan application. The fee could include the cost of getting a property appraisal, a credit report and a lock-in fee and other closing costs incurred to complete the transaction.

Loan Origination Fee: Fee charged by a lender for the administrative costs of processing a loan.

Loan to Value Ratio (LTV): The balance of the mortgage outstanding as a percentage of the home's price.

Lock or Lock In: A lender's guarantee of an interest rate for a specific period of time. The time period is usually between the loan application approval and loan closing. The borrower wants the lock to stay in effect until closing.

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