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Government home price index posts largest-ever drop - Green Bay Press-Gazette
WASHINGTON — U.S. home prices fell 4.8 percent in the second quarter compared with a year ago, easily a new record low, according to a government report. The government index for the April-June period, released today by the Office of Federal ...

California borrowing orgy unlikely to end soon - Inside Bay Area
A WELL-ESTABLISHED economic principle, called the "wealth effect," holds that consumers' spending is influenced more by their sense of well being than by their incomes. If consumers believe that their wealth is growing — from home equity or ...

Local housing: boom to bust - Fresno Bee
– All Job Categories – Accounting Admin & Clerical Automotive1 Banking1 Biotech1 Broadcast - Journalism1 Business Development Construction Consultant Customer Service Design Distribution - Shipping Education Engineering Entry Level Executive ...

HEDLUND REPORT: Missed opportunity for Turnpike Authority reform - Cohasset Mariner
 If the Legislature has specialized in anything over the past few years, it’s been in missed opportunities. It has missed opportunities to inspire increased confidence in our role as stewards of the public’s money by failing to reform our broken ...

August 2008 - ABC News Blogs
ABC News' Alice Gomstyn reports: Americans struggling with high gas prices, take heart: Diddy “feels you.” The rap megastar is keeping his private jet grounded and flying commercial – American Airlines, to be exact – because “gas prices are ...

Ramco-Gershenson Properties Trust Q2 2008 Earnings Call Transcript - Seekingalpha.com
Welcome to the Ramco-Gershenson Properties Trust second quarter 2008 earnings conference call. (Operator Instructions) It is now my pleasure to introduce you to your host, Dawn Hendershot, Director of Investor Relations for Ramco-Gershenson ...

McCain gives up on his mortgage plan - Salon
About two weeks ago, John McCain, in a high-profile speech, unveiled his response to the mortgage crisis. Despite the seriousness of the challenge, the GOP presidential nominee unveiled a classic YOYO policy: "You're on your own." As the New York ...

Housing stories and features - Orlando Sentinel
Hundreds of houses in Greater Orlando are bought each week for just $100 apiece -- even in upscale subdivisions such as Baldwin Park. As lawsuits continued to pile up against The Paramount on Lake Eola condominium in downtown Orlando, the judge ...

More Bay Area News - San Francisco Gate
Slaying victims' family moves to sue S.F. over sanctuary law 08.22.08 Murder conviction reinstated in fatal S.F. dog mauling 08.22.08 Takeover robbers strike at Denny's in Daly City 08.22.08 Hayward victim slain after trying to steal man's jewelry 08 ...

Mortgage defaults increase - San Francisco Gate
DreamWorks to begin major studio expansion 08.19.08 Nurses union reaches deal with Mills-Peninsula 08.19.08 Small is big at Intel Developer Forum 08.19.08 Oil drops below $113 on good news about storm 08.19.08 In the Bay Area, 2,910 homeowners ...

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Today's Mortgage Terms starting with D

  • Default: Failure to fulfill legal obligations of a contract, including failure to make payments on a loan.
  • Discounted Loan: When the note rate on a loan is lower than the market rate, it is a discounted loan.
  • Discount Point: A point paid to the lender to permanently lower or acquire down an interest rate. Money must be paid up front to lower the rate.
  • Down Payment: The amount of cash you must pay down initially for the purchase of your home. For conventional loans, you should aim for a down payment that's at least 20% of your home's value. The reason is lenders generally do not require private mortgage insurance with a down payment of at least 20% of your home's purchase price.

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