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News about Mortgages:

Slowly, mortgage help comes - Buffalo News
As federal agencies and the mortgage industry announced new initiatives last week to speed help for struggling borrowers, three of the area’s biggest lenders say the new efforts won’t change what they do because they’ve already been proactive ...

Mortgage protection a question of policy - Stuff
Tight household budgets are causing some people to cancel insurance policies on their mortgages and credit cards, just when they might need them most. Mortgage and credit card insurance typically provide payment cover for a fixed period when ...

Events for November 15-17, 2008 - New York Observer
8:30 a.m. City Comptroller Bill Thompson will be among the speakers at Democratic State Senate Leader Malcolm Smith's first Annual Education Conference, held at the Far Rockaway Community Church of Nazarene, 1414 Central Avenue, in Far Rockaway ...

Wachovia, Golden West Loans Probed by U.S. Prosecutor (Update1) - Bloomberg
Nov. 19 (Bloomberg) -- U.S. prosecutors and the Securities and Exchange Commission opened an investigation into whether Wachovia Corp. misled borrowers and investors, San Francisco U.S. Attorney Joseph Russoniello said. Prosecutors are examining ...

Facing foreclosure, some go to church - Marketplace.publicradio.org
SCOTT JAGOW: The foreclosure notices are really starting to add up. Last month, one out of every 450 homes received one. And it's happening in every kind of neighborhood. But certain communities are suffering more than others. A recent study ...

Thompson, No. 1 Tar Heels roll past Kentucky 77-58 - Buffalo News
Deon Thompson scored a career-high 20 points to help top-ranked North Carolina beat Kentucky 77-58 on Tuesday night despite playing yet again without national player of the year Tyler Hansbrough. Wayne Ellington had 16 points for the Tar Heels (2-0 ...

Wachovia gets one top spot at Wells Fargo - Raleigh News & Observer
Story Tools CHARLOTTE - Wachovia will get just one spot on Wells Fargo's 12-member top management team when the two companies combine later this year. David Carroll, head of Wachovia's capital management group, will be responsible for businesses ...

Ex-S.C. bank exec will remain after Wells Fargo-Wachovia merger - The State
Wachovia will get just one spot on Wells Fargo's 12-member top management team when the two companies combine later this year. David Carroll, head of Wachovia's capital management group, will be responsible for businesses including wealth management ...

CBJ: Property Transfers & Building Permits - Daily Progress
l Van Yahres, Elizabeth F to Dreyfus, Rhoda M., trustee, unit 207A McGuffey Hill Condominium, $600,000. l Tucker, William D., III to Rosenblatt, Joshua R., parcel on Cleveland Avenue, $179,900. l CBD LLC to Cruz, Victoriano Lopez, lot 16 Roy’s ...

Gas savings come at right time - Forest City Summit
Gas prices took another dive over the weekend, sending spirits soaring as people filled their tanks, some for the first time in months. “I just wasn't filling my tank; I couldn't because of the high price,” said Bob James, who was passing through ...

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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