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Capital Ideas - CFO.com
Reeling from billions of dollars of loan losses, banks have started to sell assets and rein in lending to keep their capital from eroding. This may be individually rational, but collectively it is imposing a vicious cycle of tightening credit ...

New round of losses hits market - The Clarion-Ledger
In the mortgage industry, they are called "liar loans" - mortgages approved without requiring proof of the borrower's income or assets. The worst of them earn the nickname "ninja loans," short for "no income, no job, and (no) assets." The nation's ...

2008 Election - Oregonian
Heather Courtney and David Manzo (right), of San Jose, get prepared for a long day of selling their "Barack-in-the-box" toys on the 16th Street Mall outside the Pepsi Center. DENVER -- I'm stuck outside the Convention Center, waiting for those oh-so ...

8 MILLION STORIES: SHE GRADUATES TO A MOUNTEBANK - Nypress.com
I hung on to the brownstone in Lefferts Manor, Brooklyn, for about a year after my mother’s death, since her last will and testament left provisions for me to live in the house at cost, if I was unmarried when she died. Plus, I’d get the antiques ...

Credit Ratings - Baltimore Sun
RSS feeds allow Web site content to be gathered via feed reader software. Click the subscribe link to obtain the feed URL for this page. The feed will update when new content appears on this page. NEW YORK -- Stocks jumped today as oil retreated from ...

01/16 - 01/23 (1) - Dakota Voice
Badlands Blue Dakota 21 Dakota Today DakotaWomen GraceLife Haggard News Hog House Blog Jay Reding.com Jim Rivers Report Mount Blogmore (RC Journal) Northern Valley Beacon Proud Liberal RadioActive Chief Rage in the Cage Robbinsdale Radical School-of ...

Why Do Minorities Receive More Subprime Mortgages? Can You Say ... - Social Funds
A new Center for Responsible Lending study shoots holes in industry rationale that bad credit histories of African-Americans and Latinos account for disproportionate subprime mortgages. SocialFunds.com -- In September 2005, the Fed released year 2004 ...

Foreclosure crisis going to get worse before it gets better - Arlington Heights Daily Herald
Government officials and homeowners are hunkering down. If the foreclosure crisis is bad now, the increasing trend of court filings indicates the problem will become much worse, experts say. The storm has been brewing for at least the last five years ...

Remarks by the President at Signing of H.R. 3648 - ChristianNewsWire
THE PRESIDENT: Thank you all for coming. Welcome to the White House. I'm pleased to sign a bill that will help homeowners who are struggling with rising mortgage payments. The Mortgage Forgiveness Debt Relief Act of 2007 will protect families from ...

Jackson 'Will Not Lose Neverland' Says Rep - Entertainment Tonight Online
Jackson rep says he is not in danger of losing his famous ranch. After reports he was in default on his loan, MICHAEL JACKSON will not lose his Neverland Ranch, his rep says. "Mr. Jackson is in the final stages of refinance and will not lose ...

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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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