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News about Mortgages:

Mitch Schnurman: Mortgage bailout is good for everybody - Fort Worth Star-Telegram
It sounds heartless, maybe even bitter, to ask the question: Why should we rescue people who aren’t making their home payments? Foreclosures are a huge problem, no doubt. Yet the vast majority of Americans are paying their mortgages on time, even ...

Citigroup plans a leaner future, cuts 53,000 jobs - Seattle Post Intelligencer
NEW YORK -- Citigroup, widely seen as the sickest Wall Street bank, will make some of the most severe cuts in the history of U.S. business - 53,000 jobs - as it tries to slash costs and get back to basics before it's too late. The cuts, which will ...

ProLink Holdings Corp. Reports 2008 Third Quarter Results - Earthtimes
Author : ProLink Holdings Corp. -- New Domestic System Sales of $3.6 million compared to $1.8 million in the 2007 third quarter, up 94.1%. -- Total Domestic Revenue $5.5 million in the third quarter 2008 versus $4.8 in the same period in 2007 for an ...

2008 (2665) - Dakota Voice
► May 22 - May 29 (1) To assuage conservatives, McCain has rolled out endorsements from leading conservatives and aired a new television ad that mentions Ronald Reagan. He plans to attend a major gathering of conservatives later this month. The ...

School for the blind starts visionary newsroom - Newark Star-Ledger
Ed Murray/The Star-Ledger Judy Ortman, interim executive director of the Concordia Learning Center, is interviewed by student Indigo Estevez from Newark for the school paper. There's a buzz in the newsroom of a New Jersey start-up newspaper, and not ...

To build hotel, Dallas to pay $25 million more on convention center - Dallas Morning News
To construct a $550 million convention center hotel complex downtown, Dallas must also incur millions of dollars in additional debt payments on the convention center itself, a cost some at City Hall have been reluctant to connect directly to the ...

McCain fleshes out his plan to buy mortgages - St. Petersburg Times
In a debate that featured rehashed candidate positions, one new policy emerged: Sen. John McCain's proposal to have the government buy and renegotiate "literally millions" of mortgages on houses whose values have dropped and whose owners are ...

McCain's bailout: moral hazard or economic salvation? - Los Angeles Times
During the Oct. 7 presidential debate, John McCain proposed to spend $300 billion of other people's money to buy "bad" mortgages. This is a very misguided proposal. Even if the myriad details were handled correctly, McCain's "American Homeownership ...

City council quickly OKs budget, park plan funds - Antigo Daily Journal
The Antigo Common Council roared through its agenda Wednesday, quickly wrapping up work on a 2009 budget and a $3.4 million levy and advancing plans for improvements to the city’s newest playground and park. Mayor Sam Hardin presided, assisted by ...

Financial meltdown's ripples: Utahns lose jobs, savings, access to ... - Salt Lake Tribune
How is the global economic crisis affecting you and your family? Are you struggling to make ends meet? Are you having trouble getting a loan? Are you watching your retirement slip away? Or are you finding ways to manage and cope to get by? We'd like ...

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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