Decatur Mortgage Refinance and Information Online from competing Lenders

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Please, Mr. Lender, Exploit Me Some More - Reason.com
In last night's vice presidential debate, Sarah Palin attacked "predator lenders," which made it sound like she was opposed to the sharing of lions and tigers among zoos. Judging from the context, I'm pretty sure she meant "predatory lenders ...

Setting goals : Town-hall meeting held in Decatur - Northwest Arkansas News
DECATUR - Superintendent Leroy Ortman said his two goals for the next school year are to improve the Decatur School District's financial situation and to raise students' test scores. Ortman gave the schools' annual report to the public and updated ...

Many homeowners still trapped in Ameriquest loans - Atlanta Journal Constitution
In the fall of 2005, well before the mortgage meltdown hit, Roland Arnall was trying to become an ambassador. President George W. Bush had nominated the founder of California-based Ameriquest Mortgage to head the U.S. Embassy in the Netherlands. But ...

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Today's Mortgage Terms starting with A

  • Accrued Interest: Interest earned but has not been paid
  • Additional Principal Payment: A payment made by the borrower of more than the scheduled principal amount due with the purpose of reducing the remaining balance on the loan.
  • Adjustable Rate Mortgage: Loans with interest rates that are adjusted periodically based on changes of a pre-determined index. The index is based on market rates such as Treasury bills and prime rates. The ARM has an interest rate cap that limits the amount the interest rate can change.
  • Adjustment Period: Applicable to an ARM, the time between changes in the interest rate.
  • Amortization: Repayment of a debt with periodic payments, usually monthly, of principal and interest calculated to pay down the loan within a predetermined time.
  • Amortization Schedule: A timetable for payment of a mortgage detailing the amount of each payment applied to interest and principal and the balance left outstanding.
  • Annual Percentage Rate (APR): The cost of credit shown as a yearly rate. The annual percentage rate is usually not the same as the interest rate. The APR will be higher than the interest rate stated in the note due to the fact that it includes the interest rate, loan discount points, fees and mortgage insurance.
  • Appraisal Fee: A fee charged by a licensed, certified appraiser for a written estimate of a property's current market value at a specific time.
  • Assumable Mortgage: A mortgage that can be taken over by the buyer when a home is sold by the previous owner.

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