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BC-UT--Economy-Court Filings,1st Ld-Writethru/338 - Daily Herald
SALT LAKE CITY -- The lagging economy appears to be driving up civil court filings in Utah. Mortgage foreclosures and liens were up 111 percent between July and October compared to the same period last year. A court analysis also indicates that the ...

Letters to the Editor: Nov. 29 - State Journal-Register
On Tuesday, this paper published a letter charging Ameren with “changing its mind” on environmental controls. That letter is misleading and wrong. Ameren is as committed as ever to further reducing emissions from its power plants. Ameren’s ...

Court cases surge as Utahns cope with economic woes - Salt Lake Tribune
A bad economy historically means more business for the courts. "If you go back over the last 15-20 years, whenever there's a downturn ... you generally see an increase in civil filings," said state Courts Administrator Daniel Becker. Sure enough ...

'Black Friday' won't stave off black days ahead: Analysts - Ottawa Sun
WASHINGTON (AP) — U.S. retail shoppers hunting for holiday bargains on ”Black Friday” 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 ...

Business past, business present? - Monroe Evening News
- Evening News photo by KIM BRENT Headlines of today's state of affairs are reminiscent of those some 70 years ago. One area business, Martin's Shoe House in Monroe, has weathered the times and seen its share of history. Greg Martin (left) and his ...

Register for FREE - Wall Street Journal
Please register to gain free access to WSJ tools. An account already exists for the email address entered. Wells Fargo: Clearly, there are numerous pitfalls that Wells Fargo will need to navigate, but in the short run, at least, it won. Wells Fargo ...

2008 Election - Oregonian
Diane McKeel will take a seat on the Multnomah County Board of Commissioners in January, after a narrow come-from-behind victory. McKeel, the executive director of the West Columbia Gorge Chamber of Commerce, said she will spend the next two months ...

High number of foreclosures has WVC seeking federal funds - Salt Lake Tribune
West Valley City is one of several local entities seeking a chunk of $19.6 million in federal funding to help with foreclosed homes in Utah. City officials and housing advocates pleaded Wednesday for a share of the Neighborhood Stabilization Program ...

People of modest means hitched hopes on Little Lake Street - San Diego Union-Tribune
A "repo" bus tour through Otay Ranch stopped recently on Little Lake Street, where more than half the houses on one block have gone into foreclosure in the past three years. Little Lake Street in the Otay Ranch community of Hillsborough is an ...

Riverdale school bond likely to pass - Oregonian
Voters in the largely affluent Riverdale School District appear on their way to approving a $21.5 million bond to renovate elementary school facilities and upgrade infrastructure, such as roofs and electrical systems. In fact, the 520-student ...

Today's Mortgage Terms starting with F

Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac): A semi government agency that acquires conventional loans that are underwritten to its specific guidelines. These guidelines are an industry standard for residential conventional lending.

Federal Housing Administration (FHA): A federal agency within the Department of Housing and Urban Development (HUD), which insures residential mortgage loans made by private lenders and sets standards for underwriting mortgage loans.

Federal National Mortgage Association (FNMA or Fannie Mae): This agency purchases loans that are underwritten to its specific guidelines. These guidelines are an industry standard for residential conventional lending.

FHA Loans: Fixed or adjustable-rate loans that are insured by the U.S. Department of Housing and Urban Development. The purpose of FHA loans is to make housing more affordable, especially for first-time homebuyers.

First Mortgage: A mortgage which is in first lien, taking priority over all other liens. In case of a foreclosure, the first mortgage will be repaid before any other mortgages.

Fixed Rate Loan: Fixed-rate loans have interest rates and payments that are fixed through out the term of the loan.

Foreclosure: A legal process in which a mortgaged property may be liquidated to pay off a mortgage loan that is in default.

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