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Local farmers can get low-interest loans due to storm damage - Adirondack Daily Enterprise
Twelve upstate counties, including Essex and Clinton, have been designated as disaster areas by the federal Department of Agriculture, qualifying farmers in them for low-interest loans, according to a press release from U.S. Sen. Chuck Schumer. The ...

Orange County is eligible for USDA federal disaster aid - Mid-Hudson News Network
WASHINGTON - The U.S. Department of Agriculture has designated Orange County as a Secretarial disaster area – one approved by the Secretary of Agriculture – due to multiple disasters that occurred in 2008. All counties will now be eligible for ...

Debenhams shares soar as debt fears recede - Financial Times
Debenhams shares soared on Tuesday as fears about the retailer’s debt position eased and trading over the crucial Christmas period appeared better than expected. The department store chain said it had not made any firm decisions about its high ...

Realty company tied to medical mart project is asking for federal ... - Cleveland Plain Dealer Blog
Cuyahoga County has pinned its hopes for the medical mart on a private-sector partner whose owners are warning the government that they could need a federally funded bailout to survive. Officials at a New York-based mega-landlord called Vornado ...

Bales retires after 24 years - Daily Telegram
A last-minute decision to sign up as a candidate started a 24-year leadership run for Merrill Bales at the Lenawee County Road Com­mission. A new chairman of the road commission board will be selected next week to fill the seat left vacant Thursday ...

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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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