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Fitch Affirms Heritage Valley Health System (Pennsylvania) Bonds at 'A ... - Earthtimes
NEW YORK - (Business Wire) Fitch Ratings affirms the underlying 'A+' rating on approximately $84.4 million Hospital Authority of the County of Beaver, PA health care system revenue bonds, series 1998 (Heritage Valley Health System, Inc.). The bonds ...

Postal Service investigates boss's VIP mortgage - Cleveland Plain Dealer
WASHINGTON (AP) — The Postal Service is investigating whether the nation's postmaster general improperly received a sweetheart deal on a mortgage from Countrywide Financial Corp., the chairman of the service's governing board said. Postmaster ...

KeyCorp shares tumble after bank slashes dividend - Forbes
KeyCorp shares tumbled Friday, as investors punished the regional bank for slashing its dividend for the second time in five months and continued to flee financial stocks amid concerns about the stability of the sector. Cleveland-based KeyCorp (nyse ...

Council President Martin Sweeney talks about work on his house: 'I ... - Cleveland Plain Dealer Blog
When Martin J. Sweeney added on to his home in 2002, two Cleveland airport contractors got a piece of the $50,000 project. At the time, Sweeney was the City Council's second-in-command and vice chairman of the council committee that oversees millions ...

FBI probes foreclosure scam targeting Hawaiians - Cleveland Plain Dealer
HONOLULU (AP) — The FBI is investigating several companies that allegedly bilked Native Hawaiian homeowners out of more than $300,000 by offering bogus foreclosure rescue bonds. The homeowners were charged between $2,500 and $10,000 to attend ...

AmTrust Chooses KeyMark for Document Capture Implementation - Earthtimes
LIBERTY, S.C. - (Business Wire) AmTrust Bank announces they have selected KeyMark Inc to execute their latest technology implementation: a fully integrated document capture and classification system. AmTrust has consistently been acknowledged by ...

A good partnership - Canton Repository
• Latest Videos, Slideshows, Audio... Once upon a time, Slavic Village was a neatly-kept, working-class neighborhood in the heart of Cleveland. Fast-foward to a deserted, boarded-up neighborhood decimated by unscrupulous mortgage brokers. In Canton ...

A few lawmen seek out post of U.S. attorney for Cleveland - Cleveland Plain Dealer Blog
A new administration in Washington will mean a new U.S. attorney in Cleveland, and speculation about who that might be has already begun. Among the early names mentioned are Steve Dettelbach, who prosecuted Nate Gray and went to law school with ...

Fed dealing with recession, says top executive at Cleveland bank - Akron Beacon Journal
The turmoil in the financial markets is affecting many sectors of the regional and national economy and there is a ripple effect, said Bath resident Sandra Pianalto, chief executive and president of the Federal Reserve Bank of Cleveland. ''The ...

FHA-Backed Loans: The New Subprime - BusinessWeek
By Chad Terhune and Robert Berner As if they haven't done enough damage. Thousands of subprime mortgage lenders and brokers—many of them the very sorts of firms that helped create the current financial crisis—are going strong. Their new strategy ...

Today's Mortgage Terms starting with C

Cash To Close: Liquid assets that are available on hand for payment of closing costs involved in the processing of a mortgage transaction.

Closing: The completion of a real estate transaction. The closing includes the delivery of a deed, financial adjustments, signing of notes and disbursement of funds required to finalize the sale and loan transaction.

Closing Costs: Fees generally paid by the borrower in relation to the closing of a mortgage loan.

Collateral: Property pledged as security for a debt.

Conforming Loan: Conventional home mortgages eligible for sale and delivery to either the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC). These agencies generally buys first mortgages up to loan amounts approved by Congressional directive.

Conventional Loan: Loans that are not part of any government housing program, free of any restrictions of government insured housing programs, such as loan size limits.

Conversion Clause: A feature in certain ARMs that gives you the option to convert the variable rate loan to a fixed-rate loan, usually after the first adjustment period. The new fixed rate will be set at current rates and there could be a fee for the conversion feature.

Convertible ARM: A type of ARM loan that can be converted to a fixed-rate loan after a certain time period.

Covenant: A clause in a contract that obligates or restricts the parties and if broken, can result in a legal action.

Credit Bureau: It is a clearinghouse for credit history information.

Credit Report: A report containing a detailed credit history of an individual.

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