Cache Mortgage Refinance and Information Online from competing Lenders

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Obama Attacks McCain As 'Risky,' 'Erratic' - ABC News Blogs
ABC News' John Berman, Sunlen Miller and Ursula Fahy report: Barack Obama described John McCain as risky, erratic, and uncertain, and that was all just in his first event of the day. Obama has had no shortage of critiques of McCain in recent weeks ...

Timeline: U.S. Credit Crunch & Financial Failures - KNx 1070
NEW YORK (CBS News) ― Wall Street and Main Street have been caught up in credit market turmoil, which began in 2007 with rising defaults on mortgages made to financially shaky borrowers and spread to corporate bonds and other kinds of debt. May 17 ...

Foreclosure victim, 90, apparently shoots self - Akron Beacon Journal
At the age of 90, Addie Polk found herself in foreclosure this week, about to be forced from the home she's lived in for nearly 40 years. So, with a gun in her hand, the Akron widow apparently shot herself in the chest Wednesday afternoon as deputies ...

Investment Sales - New York Observer
Getty Images. Israeli banks are growing increasingly fearful that Lev Leviev's Africa-Israel --owner of the old New York Times building and other New York City trophies--will be unable to repay the more the $4 billion (or 14 billion shekels) he's ...

Bernanke Testimony on Financial Markets and Government Bailout - Wall Street Journal
Chairman Dodd, Senator Shelby, and members of the Committee, I appreciate this opportunity to discuss recent developments in financial markets and the economy. As you know, the U.S. economy continues to confront substantial challenges, including a ...

Greenspan Calls for Action on Financial Crisis - Wall Street Journal
The U.S. economy is in the grip of the most severe financial crisis since the Great Depression. Even highly credit-worthy businesses are paying unprecedented premiums for borrowing. A large fraction of businesses are shut out of the credit market ...

US Economy--Recession, Depression, or Collapse? - Common Dreams
"For Consumers, the Hits Keep Coming" a recent banner headline in a New York Times-owned daily newspaper here in Northern California reports. The article misses the main points. If we continue to understand ourselves as primarily passive consumers ...

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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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