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Sally Lawrence and Bryan Ebare - Explore Baltimore County
Sally Anne Lawrence, daughter of Peg Lawrence, of Ellicott City, and the late Edwin Lawrence, is engaged to wed Bryan Joseph Ebare, son of William Ebare, of Parkville, and Nancy Ebare, of Halethorpe. The future groom's family formerly lived in ...

Catering to economy - Evansville Courier-Press
BOB GWALTNEY / Courier & Press Business is slow as waiter Ollie Drury pauses at the bar at the Acropolis restaurant to visit with the bartender (not pictured) on Thursday. Like many businesses, the Acropolis is feeling the effects of the tight and ...

Deeds Oct 22nd thru 31st 2008 - Cecil Whig
Chandler H. Gebhart, III, to Carl D. and Linda K. Becker, Bohemia Bay Yacht Harbor, Chesapeake City, $64,000, October 22. Jennifer R. and Thomas H. Clark, Jr., to Jennifer R. Clark, 224 Biddle Street, Chesapeake City, $0, October 24. Helena A. DuPont ...

Fannie, Freddie soon to drop high limit - San Francisco Gate
Tuesday, November 11, 2008 Starting Jan. 1, the biggest loan on a single-family home that can be purchased by Fannie Mae and Freddie Mac falls to $625,500 from $729,750 in certain high-cost areas including most Bay Area counties. In most of the ...

US gas prices dip below $2, lowest in 3-plus years - Boston Globe
The price of one gallon of regular unleaded gasoline is posted at a Pilot gas station in Hebron, Ohio, Thursday, Nov. 20, 2008. Oil prices on Thursday hit levels not seen in more than three years and retail gasoline prices are now below $2 across ...

Lawmakers blast shifts in bailout plan - Salon
Nov 14th, 2008 | WASHINGTON -- Lawmakers complained Friday that the Bush administration is ignoring the will of Congress and slighting homeowners on the verge of foreclosure in its latest approach to spending $700 billion in economic rescue money ...

Federal regulators shut 2 California thrifts - Salon
Nov 21st, 2008 | WASHINGTON -- Federal regulators on Friday shut down two big thrifts based in Southern California, saying they fell victim to the acute distress in the housing market in that state. The failures of Downey Savings and Loan Association ...

Israel to hold new elections as Tzipi Livni coalition talks fail - Times Online
Israel faces fresh elections early next year after Tzipi Livni, the prime minister designate, abandoned her efforts to form a government, a development that threatens to put the Middle East peace process on ice. The collapse of coalition talks sets ...

NH Democrats say they're ready to go - Union Leader
CONCORD – Democrats who got a vote of confidence from Granite State voters this week said they are ready for the tough jobs they face in the next two years. They said the ailing economy and the need to balance budgets are their most pressing issues ...

St. John's Housing Starts Increase in September - CNW Group
ST. JOHN'S, Oct. 8 /CNW/ - Urban housing starts increased during the month of September, according to preliminary data(1) released today by Canada Mortgage and Housing Corporation (CMHC). September's total housing starts increased 18 per cent, with ...

Today's Mortgage Terms starting with A

Accrued Interest: Interest earned but has not been paid

Additional Principal Payment: A payment made by the borrower of more than the scheduled principal amount due with the purpose of reducing the remaining balance on the loan.

Adjustable Rate Mortgage: Loans with interest rates that are adjusted periodically based on changes of a pre-determined index. The index is based on market rates such as Treasury bills and prime rates. The ARM has an interest rate cap that limits the amount the interest rate can change.

Adjustment Period: Applicable to an ARM, the time between changes in the interest rate.

Amortization: Repayment of a debt with periodic payments, usually monthly, of principal and interest calculated to pay down the loan within a predetermined time.

Amortization Schedule: A timetable for payment of a mortgage detailing the amount of each payment applied to interest and principal and the balance left outstanding.

Annual Percentage Rate (APR): The cost of credit shown as a yearly rate. The annual percentage rate is usually not the same as the interest rate. The APR will be higher than the interest rate stated in the note due to the fact that it includes the interest rate, loan discount points, fees and mortgage insurance.

Appraisal Fee: A fee charged by a licensed, certified appraiser for a written estimate of a property's current market value at a specific time.

Assumable Mortgage: A mortgage that can be taken over by the buyer when a home is sold by the previous owner.

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