Herrin Mortgage Refinance and Information Online from competing Lenders

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Fed Takes Over Freddie Mac and Fannie Mae - KXTV News10Net
WASHINGTON (AP) -- The White House said if only Congress had acted, the federal takeover of Fannie Mae and Freddie Mac could have been prevented. President Bush's spokeswoman Dana Perino said Monday the administration had long pointed to the risks ...

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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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