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Crisis poses no major threat to Gazprom - United Press International
BISHKEK, Kyrgyzstan, Oct. 9 (UPI) -- Russian energy giant Gazprom does not forecast a long-term setback from the looming worldwide economic downturn, officials said Thursday. Gazprom chief Alexei Miller said there was no major risk to the firm ...

McCain's plan for troubled home loans called impractical - Newsday
WASHINGTON - John McCain 's proposal to have the federal government directly buy and refinance troubled home loans would cost about $300 billion, his campaign said yesterday, as the plan was criticized in light of the scale of the mortgage meltdown ...

McCain's Plan Calls for Government to Buy Mortgages (Update4) - Bloomberg
Oct. 8 (Bloomberg) -- Republican presidential candidate John McCain is proposing the government divert some money set aside for buying mortgage securities and instead purchase home loans. The plan would help homeowners in danger of foreclosure ...

Belgium, France, Luxembourg to Back Dexia Borrowings (Update2) - Bloomberg
Oct. 9 (Bloomberg) -- Belgium, France and Luxembourg agreed to provide state guarantees for Dexia SA's borrowings, extending a bailout of the world's largest lender to local governments. Dexia rose 16 percent in Brussels trading after the governments ...

No Quick Fix for Housing Prices - Wall Street Journal
The Treasury Department's rescue plan for the U.S. financial industry doesn't directly address the root cause of the crisis: falling home prices. Reuters Foreclosures in Stockton, Calif., discourage prospective sellers from putting their houses on ...

Energy Cos. Get $9 Billion in Loans - Kommersant
Russia’s four largest oil and natural gas companies were promised the $9 billion in aid they requested at a meeting with Deputy Prime Minister Igor Sechin on Saturday. Of that amount, $4.2 billion will go to state-owned Rosneft. The money will be ...

Abramovich's Chelsea not immune from market woes - FOXSports.com
LONDON (AP) - Not even being bankrolled by Russian billionaire Roman Abramovich makes Chelsea immune from the deepening global financial crisis. Chairman Bruce Buck said Wednesday that the Premier League powerhouse is as susceptible to the meltdown ...

Princeton Township authorizes $9.6 million in bonding - Packet Online
The Princeton Township Committee has authorized the refinancing of $9.6 million in long-term general improvement bonds, as well as several other bonding and funding measures. Township Chief Financial Officer Kathryn Monzo said the interest rate on ...

National crisis, local implications: Metro home market declines - Jackson Clarion-Ledger
As soon as their home sells, they're planning to buy the new property. The only problem? Since putting their existing home on the market two months ago, not one perspective buyer has stopped in for a tour. "I'm not going to buy the other home until I ...

Obama Attacks McCain As 'Risky,' 'Erratic' - ABC News Blogs
ABC News' John Berman, Sunlen Miller and Ursula Fahy report: Barack Obama described John McCain as risky, erratic, and uncertain, and that was all just in his first event of the day. Obama has had no shortage of critiques of McCain in recent weeks ...

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Today's Mortgage Terms starting with C

  • Cash To Close: Liquid assets that are available on hand for payment of closing costs involved in the processing of a mortgage transaction.
  • Closing: The completion of a real estate transaction. The closing includes the delivery of a deed, financial adjustments, signing of notes and disbursement of funds required to finalize the sale and loan transaction.
  • Closing Costs: Fees generally paid by the borrower in relation to the closing of a mortgage loan.
  • Collateral: Property pledged as security for a debt.
  • Conforming Loan: Conventional home mortgages eligible for sale and delivery to either the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC). These agencies generally buys first mortgages up to loan amounts approved by Congressional directive.
  • Conventional Loan: Loans that are not part of any government housing program, free of any restrictions of government insured housing programs, such as loan size limits.
  • Conversion Clause: A feature in certain ARMs that gives you the option to convert the variable rate loan to a fixed-rate loan, usually after the first adjustment period. The new fixed rate will be set at current rates and there could be a fee for the conversion feature.
  • Convertible ARM: A type of ARM loan that can be converted to a fixed-rate loan after a certain time period.
  • Covenant: A clause in a contract that obligates or restricts the parties and if broken, can result in a legal action.
  • Credit Bureau: It is a clearinghouse for credit history information.
  • Credit Report: A report containing a detailed credit history of an individual.

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