Rapid City Mortgage Refinance and Information Online from competing Lenders

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Dallas-Fort Worth cities cautious about '09 budgets - Dallas Morning News
ARLINGTON – The ink was barely dry on the new budget when the Arlington City Council decided this month to chop $1 million from its spending plan. Concerns about the troubled economy convinced the council that cuts were needed less than two months ...

Meltdown far from over, new mortgage crisis looms - Rapid City Journal
WASHINGTON - 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 ...

Ford tells Congress it may be able to go it alone - Rapid City Journal
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 ...

Kiev crunch - Financial Times
It has been a rough ride for Viktor Yushchenko, Ukraine’s pro-west president, since his triumph in the 2004 Orange Revolution – and it is about to get much rougher. The domestic political conflicts and persistent headaches of dealing with ...

State Supremes: unsubstantiated allegations of teacher sexual ... - Spokane Spokesman-Review
In a case where the 11 petitioners are all known as John Doe, the state Supreme Court ruled 6-3 this morning that unsubstantiated allegations of teacher sexual misconduct can be withheld from public disclosure. School districts can investigate any ...

Companies face £50bn funding crisis - Daily Telegraph
Many members of the FTSE350 face a serious crunch as at least £50bn in their publicly traded debt expires by December, and some will go to the wall, experts have warned. The news is the latest example of how the financial crisis is starting to ...

Many Homeowners Owe More Than House Is Worth - CNBC
We asked Gary Vaynerchuk of Wine Library TV to tell us about his favorite brands of Bourbon, Irish Whiskey and Single Malt. About 7.63 million properties, or 18 percent, had negative equity in September, and another 2.1 million will follow if home ...

Tuesday, November 25 - News.com.au
THE search for a Mt Gambier man missing in India has gone hi-tech, with his family posting a moving video on the internet. HOUSEHOLD water bills will rise by at least 20 per cent next year to fund a $300 million blowout in the cost of the planned ...

Fitch Rates Evanston, Illinois $18.7MM Rfdg GOs 'AAA' - Businesswire.com
CHICAGO--( BUSINESS WIRE )--Fitch has assigned an 'AAA' rating to the City of Evanston, Illinois' (the city) approximately $18,655,000 general obligation (GO) bonds, series 2008D. The bonds are scheduled to price via negotiated sale on or about the ...

Tough times may provide silver lining - Toledo Blade
A hundred layoffs here, a thousand there. Plant shutdowns. Circuit City filed for bankruptcy. Now General Motors wonders if it will, too, even as the entire auto industry pleads for government help. Consumer spending is so tight now that the country ...

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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