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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 ...

National do-not-call list scrutinized - Baltimore Sun
Two years after the National Do Not Call Registry took effect -- and with more than 100 million numbers enrolled -- dinner-time conversations are still being interrupted by telemarketing calls. Regulators say the system is working, but a recent ...

Foreclosures on rise in N.H., nationally - Portsmouth Herald
The number of home foreclosures in Rockingham County are increasing, following the national trend. In the county, the number of foreclosures in September were 33, compared to 19 in September a year ago, according to information released by Real Data ...

Wes Welker's family recalls hard work, heartache - Daily Oklahoman
When he got the big news, Wes Welker was on his knees — grouting ceramic tile. Oklahoma City Thunder clues hidden in NBA... Paul McCartney sleeps, dines in Oklahoma City Lyrics on Stoops site embarrassing for OU Deceased Tulsa infant's body parts ...

Grant to benefit homebuyers in 9 counties - Daily Independent
Ashland — A $100,000 grant from the U.S. Department of Agriculture should make the process of buying a home a little easier in Carter and Elliott counties, as well as other parts of eastern Kentucky. The grant, which was presented to Frontier ...

Bond issue change sought - Baton Rouge Advocate
A proposal to refinance a $120 million bond issue for Mayor-President Kip Holden’s Green Light Program got a lukewarm reception Wednesday from a Metro Council committee. Bond attorney Richard Leibowitz said the refinancing is necessary because the ...

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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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