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GMAC Considers Becoming a Bank Holding Company - FOX News
WASHINGTON — GMAC Financial Services says it's holding discussions with federal regulators about becoming a bank holding company. The move could help it access government funding. GMAC said in a statement Thursday it plans to refinance its debt and ...

State Foreclosure Crisis - Cumberland Times-News
CUMBERLAND - The Rev. Charles Cephas has seen the worried, troubled look of couples and the uncertain future behind the eyes of children who have walked into his office. "I could take all day long to tell you all the horrible scenarios since this ...

Seafood plant using $4.1M state loan to add 53 jobs - South Coast Today
City man charged with armed robbery Lakeville woman in fatal crash identified Dartmouth seeks 'new direction' with non-renewal of Gagne's contract First Night makes way for new event Mayor touts plan to rehabilitate city's housing stock Settlement ...

They think it’s all over - ArabianBusiness.com
Zabeel chief Mohammed Ali Al Hashimi. zoom The English Premier League can boast some of the most modern stadiums in the world game. The global economic slowdown is set to arrive on the terraces of English Premier League clubs, and potential investors ...

'Muzzled' Biden's Halloween Present: A Press Avail - ABC News Blogs
ABC News' Matthew Jaffe reports: Earlier this week, Republicans claimed that Sen. Joe Biden, D-Del., had been “muzzled” by the Democratic campaign, noting that he had not held a full-fledged press availability with traveling reporters since a ...

Today's Mortgage Terms starting with F

Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac): A semi government agency that acquires conventional loans that are underwritten to its specific guidelines. These guidelines are an industry standard for residential conventional lending.

Federal Housing Administration (FHA): A federal agency within the Department of Housing and Urban Development (HUD), which insures residential mortgage loans made by private lenders and sets standards for underwriting mortgage loans.

Federal National Mortgage Association (FNMA or Fannie Mae): This agency purchases loans that are underwritten to its specific guidelines. These guidelines are an industry standard for residential conventional lending.

FHA Loans: Fixed or adjustable-rate loans that are insured by the U.S. Department of Housing and Urban Development. The purpose of FHA loans is to make housing more affordable, especially for first-time homebuyers.

First Mortgage: A mortgage which is in first lien, taking priority over all other liens. In case of a foreclosure, the first mortgage will be repaid before any other mortgages.

Fixed Rate Loan: Fixed-rate loans have interest rates and payments that are fixed through out the term of the loan.

Foreclosure: A legal process in which a mortgaged property may be liquidated to pay off a mortgage loan that is in default.

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