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Paulson says changes needed at Fannie, Freddie - KSDK
WASHINGTON (AP) -- Treasury Secretary Henry Paulson on Wednesday said the best option for the future of Fannie Mae and Freddie Mac could be for the mortgage giants to be run like public utilities. In what could be his last speech as Treasury ...

House members fault SEC in Madoff scandal - Baltimore Sun
WASHINGTON Republican and Democratic House members said yesterday that the alleged $50 billion fraud involving Wall Street figure Bernard Madoff reflects deep, systemic problems at the Securities and Exchange Commission. Inspector General H. David ...

Confusing Tax Rules Under Fire - Wall Street Journal
WASHINGTON -- The No. 1 problem facing U.S. taxpayers? A tax code so complex that Americans spend $193 billion per year just trying to figure out how much they owe, said Nina Olson, the National Taxpayer Advocate, in her annual report to Congress on ...

Paulson says changes needed at Fannie, Freddie - PR Inside
WASHINGTON (AP) - Treasury Secretary Henry Paulson said Wednesday that allowing mortgage finance companies Fannie Mae and Freddie Mac to return to their old operating ways is not an option. Congress and the next administration must decide the proper ...

Set state standards to rein in brokers - HamptonRoads.com
A 2007 report by The Wall Street Journal found that more than half of subprime mortgages in 2005 and 2006 went to homebuyers who qualified for conventional loans with stable interest rates. The findings undermine the stereotype that the subprime ...

No turning back on Fannie and Freddie, Paulson says - Globe and Mail
WASHINGTON — U.S. Treasury Secretary Henry Paulson said Wednesday that allowing mortgage giants Fannie Mae and Freddie Mac to return to their old operating ways is not an option. Congress and the next administration must decide the proper role ...

U.S. Treasury Secretary says changes needed at Fannie, Freddie ... - 680 News
WASHINGTON - Treasury Secretary Henry Paulson says allowing mortgage giants Fannie Mae and Freddie Mac to return to their old operating ways is not an option. Paulson says Congress and the next administration must decide the proper role government ...

Georgia Housing Leaders Call on Congress to Help Main Street - Earthtimes
ATLANTA - (Business Wire) The Georgia housing industry called on Congress today to address the housing crisis that is at the root of the nation’s recession. Rick Porter, owner of Richport Properties, Inc.; Kenny King, president of Kingsland Corp ...

Henry Paulson Comments on The Role of the GSEs in Supporting the ... - StreetInsider.com
Washington – Good afternoon. Thank you, David and thanks to the Washington Economic Club for this opportunity to provide my thoughts on long-term reform of the housing Government Sponsored Enterprises, the GSEs, Fannie Mae and Freddie Mac. Debate ...

MarketWatch pages related to: "Capitol Report" - Marketwatch
02. Capitol Report: Obama's 'going green' policies hold promises -- and pitfalls 2:04 PM ET, Dec 30, 2008 - By Stephanie I. Cohen They're calling it the "transition to green," a motto fashioned by environmental groups' pining for the first 100 days ...

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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