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Tea Fire Takes Conejo Road Residents by Surprise - Santa Barbara Independent
del.icio.us. UPDATE: ON Monday morning, November 17, Montecito Fire Department Chief Kevin Wallace clarified the situation regarding the Sycamore Canyon Road gate. The fire was first reported at 5:45 p.m. Fire Marshall Jim Langhorn arrived at and ...

Voices of the Evacuated - Santa Barbara Independent
del.icio.us. Trace Robinson's home at 356 East Mountain Drive was still standing as of this morning, but many Mountain Drive homes burned to the ground. Trace Robinson and her family lived at 356 East Mountain Drive, next to the Tea Gardens, where ...

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 ...

Common sense might have prevented this - Cumberland Times-News
Editor’s note: The following appeared in the Mountainside Marines newsletter’s October edition and was submitted to the Times-News for publication by Don Schneider, the detachment’s commandant. For those who have become bored or aggravated by ...

Today's Mortgage Terms starting with L

Lender: The bank, mortgage company or mortgage broker providing the loan.

Loan Application: A statement of personal and financial information needed to apply for a loan.

Loan Application Fee: A fee applied by a lender to cover the initial costs of putting through a loan application. The fee could include the cost of getting a property appraisal, a credit report and a lock-in fee and other closing costs incurred to complete the transaction.

Loan Origination Fee: Fee charged by a lender for the administrative costs of processing a loan.

Loan to Value Ratio (LTV): The balance of the mortgage outstanding as a percentage of the home's price.

Lock or Lock In: A lender's guarantee of an interest rate for a specific period of time. The time period is usually between the loan application approval and loan closing. The borrower wants the lock to stay in effect until closing.

View all Terms

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