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Give the people share of bailout, readers propose - Atlantic City Press
These are tough times, no doubt about it. The economy has slowed dramatically, Wall Street is in crisis and many of us are struggling to pay our bills. Now, Congress and President Bush have approved a $700 billion bailout - oops, they call it a ...

Credit crisis hobbles Wake, Durham counties - Raleigh News & Observer
The credit shortage also is affecting the state's borrowing. The variable interest rates on about $855 million in state debt rose this week, said Sara Lang, spokeswoman for the State Treasurer's Office. Those rates are now almost fivefold what they ...

Today's Mortgage Terms starting with D

Default: Failure to fulfill legal obligations of a contract, including failure to make payments on a loan.

Discounted Loan: When the note rate on a loan is lower than the market rate, it is a discounted loan.

Discount Point: A point paid to the lender to permanently lower or acquire down an interest rate. Money must be paid up front to lower the rate.

Down Payment: The amount of cash you must pay down initially for the purchase of your home. For conventional loans, you should aim for a down payment that's at least 20% of your home's value. The reason is lenders generally do not require private mortgage insurance with a down payment of at least 20% of your home's purchase price.

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