Watertown Mortgage Rates and Information Online from competing Lenders

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The end of Mercy? - News 10 Now
WATERTOWN, N.Y. -- Mercy Care Center in Watertown is no longer under Chapter 11 bankruptcy protection laws. That means hospital could close in two years. Mercy has nearly 300 employees and more than 200 beds. The State Health Department will be ...

Subscription Info - Waterbury Republican-American
During an Oct. 29 executive session held by the Torrington Board of Education, former high school principal John “Doc” Metallo defended his tenure, denied serious wrongdoing and told board members he wanted to reclaim his good name. Retail sales ...

Deciding what to do with a parent's investments - Daily Territorial
Q: My mother, who I take care of, has her assets in an account with a broker I trust. Should I keep it all in there with the Wall Street crisis? It is diversified with stocks, bonds, and mutual funds. - J.M, via e-mail A: If your concern is the ...

Pike board approves toll hike - Boston Globe
The Turnpike Authority board voted 4-1 to approve a hike of 75 cents at the Weston and Allston-Brighton tollbooths and $3.50 at the Sumner and Ted Williams tunnels. The plan, which is subject to public hearings and a final vote, would take effect Feb ...

April 2008 - Times Union Blogs
The Capitol. The seat of state government. Where influential politicians craft laws and crafty lobbyists peddle influence. Where hopeful citizens try to get their voices heard. Get a look behind the scenes at New York politics and statewide campaigns ...

2008 (2665) - Dakota Voice
► January 16 - January 23 (1) You don't see this kind of courage in a lot of adults, much less a 6-year old. From the Atlanta Journal-Constitution and ABC News comes word of a young boy who rescued his 5-year old friend from drowning. Josiah, who ...

October 12 - October 19 (79) - Dakota Voice
► January 16 - January 23 (1) This is the video that was quickly banned from YouTube because of a "copyright infringement." This updated version uses music and video claiming safe harbor under the Fair Use Doctine. To those still confused about ...

Chief reviews work of fire department - Watertown Daily Times
Watertown Fire Chief Henry Butts Monday talked about the current role of the city's fire department Monday during the seventh annual state of the community luncheon sponsored by the Watertown Area Chamber of Commerce. According to Butts, the ...

Even in difficult times, entrepreneurs will emerge - Boston Globe
Amidst dot-com carnage, terrorist attacks, and mortgage-induced financial crises, entrepreneurs blindly continue to do one thing: start and build companies. "What's the other choice?" asks Bob Metcalfe, an entrepreneur-turned-venture capitalist who ...

Amid meltdown, cities slash sports, health, cops - Washington Post
PHOENIX -- The palm trees in many Phoenix neighborhoods will be left shaggy this year. The city can afford to prune the trees only on major streets. There's also no money for children's tee ball, or soccer, baseball or flag football. No money for a ...

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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