New Hill Mortgage Refinance and Information Online from competing Lenders

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Stocks Down As Automakers Seek Loans - Forbes
Automakers gather for a grilling on Capitol Hill Thursday. Shares of GM were down more than 3% in early trading. Ford lost nearly 2%. Chrysler is privately held. The dollar was strong at the open after rate cuts across the pond sank European ...

Foreclosures looming for businesses - Capitol Hill Blue
Black Friday's retail shoppers hunting for holiday bargains won't be enough to stave off what's likely to become the next economic crisis. Malls from Michigan to Georgia are entering foreclosure, commercial victims of the same events poisoning the ...

Shoppers have reasons to act like grinches - Cleveland Plain Dealer
WASHINGTON -- Federal Reserve Chairman Ben Bernanke pleaded Thursday for more government action to relieve the foreclosure crisis and break a vicious cycle in which the housing meltdown is plunging the country deeper into recession. Beaten-down ...

Tenet Stock Drop Reflects Concerns About Hospital's Turnaround - CNN Money
Tenet Healthcare Corp. (THC) has lost two-thirds of its value since posting disappointing financial results and lowering its outlook last month, but some suggest the sell-off has gone too far. Clearly, the hospital operator's ongoing troubles - the ...

Geithner Seeks to Push FDIC’s Bair Out After Clashes (Update1) - Bloomberg
Dec. 4 (Bloomberg) -- Timothy Geithner , President-elect Barack Obama ’s choice for U.S. Treasury Secretary, is seeking to push Federal Deposit Insurance Corp. Chairman Sheila Bair out of office. Geithner, president of the Federal Reserve Bank of ...

How would you save the auto industry? - MSNBC
Leaders of the top U.S. automakers return to Capitol Hill this week to make a second bid for more than $25 billion in federal help. From left are Ron Gettelfinger of the United Auto Workers union, GM's Rick Wagoner, Chrysler's Robert Nardelli and ...

Low rates breathe life into mortgage market - Columbus Dispatch
A recent half-percentage-point drop in 30-year home loans is jolting a mortgage market that has been weighed down by a nose-diving economy and troubled credit markets. Mortgage applications were up 112 percent during the week that ended Nov. 28 ...

Geithner May Seek to Push Bair Out After Clashes During Crisis - Daily Business Review
imothy Geithner, President-elect Barack Obama’s choice for U.S. Treasury Secretary, is seeking to push Federal Deposit Insurance Corp. Chairman Sheila Bair out of office. Geithner, president of the Federal Reserve Bank of New York, has argued Bair ...

New: Ford tells Congress it may be able to go it alone - Northwest Herald
WASHINGTON – Ford Motor Co. is asking Congress for a $9 billion "stand-by line of credit" to stabilize its business, but says it doesn't expect to tap it. Unless one of Detroit's other Big Three auto companies goes bust, Ford expects to have enough ...

Treasury Ponders Rate Relief for Home Buyers - Smart Money
WASHINGTON (Dow Jones) -- The Treasury Department is considering a plan to revitalize the U.S. home market that would push down interest rates for loans to purchase a home, according to people familiar with the matter. The plan, which is in the ...

Today's Mortgage Terms starting with I

Index: An index is usually a widely published market rate such as LIBOR, T-Bill or 11th District Cost of Funds (COFI). Lenders use these indices to set the interest rates charged on mortgage loans. For ARM, a predetermined margin is added to the index to calculate the interest rate adjustment.

Initial Rate: The rate charged for the first interval of an ARM loan.

Interest: Compensation in the form of money paid for the use of money.

Interest Rate Cap: Caps limit the range that the interest rate on an adjustable rate mortgage can change in an adjustment interval during the term of the loan.

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