Salem Mortgage Refinance and Information Online from competing Lenders

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Feds consider changes to mortgage program - Salem News
WASHINGTON (AP) _ The government may let more borrowers qualify for a $300 billion program designed to let troubled homeowners swap risky loans for more affordable ones, a top Bush administration official said Wednesday. The program, included in a ...

Haverhill woman's tale of housing woe offers view into global ... - Eagle-Tribune
Marie Martinez rode the real estate wave for a decade, buying property worth, on paper, more than $1 million. Then she hit the rocks and lost everything. Martinez's story mirrors those of millions of Americans caught up in the real estate frenzy that ...

State to hold bond sale for residents - Boston Globe
Intent on replicating the success of a September marketing pitch to individual investors, the state will hold an exclusive bond sale tomorrow and Tuesday for individuals before making its latest offering available to institutional customers Wednesday ...

WRAPUP 3-Kuwait revamps repo as Gulf steps up crisis action - FXStreet.com
KUWAIT/DUBAI, Nov 19 (Reuters) - Kuwait's central bank revamped monetary policy tools on Wednesday by introducing new repurchase agreements as Gulf Arab oil producers stepped up efforts to boost bank liquidity and bolster investor confidence. In the ...

The housing crisis: How to cope - Abington Mariner
   There are over 7 million homeowners who are “underwater,” a term that describes the situation when your mortgage exceeds the value of your home. Nationwide, one out of five homeowners are underwater. In Nevada, where the prices have dropped ...

Kuwait introduces new repurchase deals - ArabianBusiness.com
DINAR MOVE: Kuwait's central bank has introduced new repurchase agreements in bid to bolster confidence. (Getty Images) Kuwait's central bank has revamped monetary policy tools by introducing new repurchase agreements as Gulf Arab oil producers ...

Viewer Stories: Living Paycheck To Paycheck - WSB-TV Atlanta
The economy has caused my employer to cut me to a 3/4 worker, cutting my wages but still putting me above the line to qualify for underemployment. I've spent months searching for a new job without luck. I refuse to look beyond the tri-city area ...

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 ...

2008 (2665) - Dakota Voice
► January 16 - January 23 (1) You don't see this kind of courage in a lot of adults, much less a 6-year old. From the Atlanta Journal-Constitution and ABC News comes word of a young boy who rescued his 5-year old friend from drowning. Josiah, who ...

Fitch Rtes $50MM Hospital Facility Auth of Salem, Oregon Revs (Salem ... - PR Inside
- Fitch Ratings has assigned 'AA+/F1+' ratings to the $50 million Hospital Facility Authority of the City of Salem, Oregon revenue bonds (Salem Hospital Project), series 2008C (the bonds). The ratings are based on the direct-pay letter of credit (the ...

Today's Mortgage Terms starting with P

Payment Cap: A limit on the size of the monthly payment of an adjustable-rate mortgage or other variable rate loan.

Point: A point is equivalent to 1 percent of a mortgage loan. Lenders might charge "origination points" to cover expenses of processing a loan. Some borrowers might pay "discount points" to reduce the loan's interest rate.

Pre-Approval: The process of calculating how much money a potential homebuyer could borrow.

Prepayment Penalty: A lender's charge to the borrower for paying down the loan before the end of its term.

Pre-Qualification: A non-binding process of calculating how much money a potential homebuyer can borrow before applying for a loan. Information submitted during pre-qualification is subject to verification at application.

Principal: It is the amount of money borrowed or owed, excluding interest.

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