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Government is running out of options to bolster economy - Miami Herald
WASHINGTON -- Committing $700 billion didn't impress markets here and around the world. Neither did fresh interest-rate cuts. Neither did the idea that the government would become a part-owner of U.S. banks. So what's left in Uncle Sam's economic ...

Did McCain Get His Mortgage Plan From Hillary Clinton? - The Washington Independent.com
Here’s more history on Sen. John McCain’s mortgage plan, this time from The Wall Street Journal’s blog. Apparently, the idea has an interesting history: It actually is a plan that has been proposed before–and pitched again twice in the past ...

McCain's plan for troubled home loans called impractical - Newsday
WASHINGTON - John McCain 's proposal to have the federal government directly buy and refinance troubled home loans would cost about $300 billion, his campaign said yesterday, as the plan was criticized in light of the scale of the mortgage meltdown ...

Feds have few tools left to fix credit crisis - Detroit News
The commitment of $700 billion didn't impress markets here and around the world. Neither did fresh interest rate cuts. Stocks plunged yet again on Thursday -- this time by 679 points. The government still has some unused options -- such as buying up ...

McCain's Plan Calls for Government to Buy Mortgages (Update3) - Bloomberg
Oct. 8 (Bloomberg) -- Republican presidential candidate John McCain is proposing the government divert some money set aside for buying mortgage securities and instead purchase home loans. The plan would help homeowners in danger of foreclosure ...

U.S. running out of options in crisis - Delaware Online
The commitment of $700 billion didn't impress markets here and around the world. Neither did fresh interest rate cuts. Stocks plunged yet again Thursday. The government still has some unused options -- like buying up foreclosed properties and making ...

Richardson on Clinton: A ‘Permanent Fissure’ - New York Times Blogs
New Mexico Gov. Bill Richardson and former President Bill Clinton used to be close. Mr. Clinton tapped him to be both ambassador to the United Nations and the secretary of energy during the former president’s second term. And when times got tough ...

McCain (1056) - MSNBC Firstread
SPRINGFIELD, Mo. -- Biden turned talk about the candidates’ associations back against McCain , saying that one of the choices voters have is not just between Obama and McCain, but between those who they’d enlist to help right the nation’s ...

How next president might handle housing breakdown - Leaf Chronicle
WASHINGTON — How the presidential candidates would address the nation's housing crisis when the next administration takes office in January is hard to track because it is still evolving. The downward spiral in housing prices, increase in home ...

Ordinary people hurt by housing crisis - St. Petersburg Times
I am a mortgage broker and have been for 23 years. I do a Realtor caravan every two weeks locally viewing homes for sale. Recently we toured a home that was in foreclosure. The family was still living there, and they had their personal belongings ...

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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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