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Lenders sending dramatically fewer foreclosure notices - North Bay Business Journal
Roundup of North Bay bank earnings Banking: Financial advisers urge clients to employ discipline Business Journal Q&A: Exchange Bank president looks ahead For local banks, credit still ﬂows BANKING: Banker Glen Terry named new CEO of Vineyard Bank ...

On the move - Santa Rosa Press Democrat
Brett Martinez, president and CEO of Redwood Credit Union in Santa Rosa, was named Board Chairman of the California Credit Union League during its recent annual convention in San Francisco. Click to enlarge Headquartered in Rancho Cucamonga, the ...

For local banks, credit still ﬂows - North Bay Business Journal
Lenders sending dramatically fewer foreclosure notices Roundup of North Bay bank earnings Banking: Financial advisers urge clients to employ discipline Business Journal Q&A: Exchange Bank president looks ahead BANKING: Banker Glen Terry named new CEO ...

In the grip of debt - Santa Rosa Press Democrat
1. Prepare a balance sheet showing income and expenses. 2. Curtail spending. 3. Make a list of all creditors, including minimum payments and interest rates. 4. Concentrate on paying off credit cards one at a time. Start with the lowest balance and ...

BLOG: Up to 100,000 at Obama rally Sunday - Rocky Mountain News
Democratic presidential candidate, Sen. Barack Obama, D-Ill., arrives at a rally in Fort Collins, Colo., Sunday, Oct. 26, 2008. Video: With nine days to go before Election Day, Sen. Barack Obama's rally in downtown Denver's Civic Center Park draws an ...

US Economy--Recession, Depression, or Collapse? - Common Dreams
"For Consumers, the Hits Keep Coming" a recent banner headline in a New York Times-owned daily newspaper here in Northern California reports. The article misses the main points. If we continue to understand ourselves as primarily passive consumers ...

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.

View all Terms

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