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Councilman wants Cleveland school named for Obama - Zanesville Times Recorder
CLEVELAND (AP) — An official wants Cleveland to be among the first cities with a school named in honor of Barack Obama. Councilman Zack Reed says re-christening Nathan Hale Elementary after America’s first black president would be truly fitting ...

October home sales in area up marginally over last year - State Journal-Register
The Springfield-area housing market produced an October surprise — a tiny increase in home sales over the same month in 2007 — but local experts said Monday the unexpected increase might not be a lasting trend. Sales closed during October ...

'Famous' Bill's Restaurant in Greenfield sold for $210,000 at auction - Union-News & Sunday Republican
Photos by Michael S. Gordon / The Republican Paul W. Scheer, president of Aaron Posnick Auctioneers, right, takes during the auction of Bill's Restaurant in Greenfield on Monday. Paul Chang, left, and Joseph A. Poirier, the new owners of Bill's ...

Republic couple seeks damages against Greenleaf investment firm - News-Leader.com
In a lawsuit filed last week in Greene County Circuit Court, a Republic couple is accusing Greenleaf Co.s of Springfield of breach of contract and unlawful business practice, seeking punitive damages and a release from the contract. In the petition ...

Toy for Joy campaign launches 86th season in Western Mass. - Union-News & Sunday Republican
SPRINGFIELD -Registration for Toy for Joy, which has brightened the Christmas mornings of needy families for 85 years, will commence on Monday. The annual holiday campaign, sponsored by The Republican and the Salvation Army, launches its 86th season ...

Property developers offering $35k sweeteners - Brisbane Times
Queensland property developers are offering up to $35,000 in discounts to entice cautious buyers into new homes, as uncertainty in the property market continues to mount. Springfield Land Corporation has promised to discount the mortgage repayments ...

$7 million later, Korean War Museum still just a vision in Illinois - Quad-Cities Times
SPRINGFIELD — A nonprofit group has been collecting donations for a decade to establish a first-of-its-kind national museum in Springfield honoring veterans of the Korean War. The group has raised more than $7 million in that time — most of it ...

Fundraising questions hamper effort to memorialize the Korean War - St. Louis Post-Dispatch
SPRINGFIELD, Ill. — A non-profit group has been collecting donations for a decade to establish a first-of-its-kind national museum in Springfield honoring veterans of the Korean War. The group has raised more than $7 million in that time — most ...

'Excellent credit to bankruptcy' in two years - News-Leader.com
Hoping to earn $50,000 in three years to help pay for their son's college education, an Iowa couple joined what was described as a risk-free housing investment program run by a Springfield company -- only to find their lives in financial ruins two ...

Home Deal Fails For Centerton Families - Morning News
CENTERTON -- James and Patricia Leach of Bentonville couldn't believe their luck in September 2006 when they were approved to buy a home. The recently married couple found their dream home in Centerton. But two years, two months, and $51,000 later ...

Today's Mortgage Terms starting with B

Bankruptcy: A legal procedure in a federal court to relieve certain debts of a person or a business that is no longer able to pay its debts. Chapter 7 bankruptcy removes all debts. Chapter 13 lets a borrower with and income to pay bills off over a set period of time.

Bearer: The legal owner of a property.

Bill of Sale: A document that details the transfer of property.

Biweekly Mortgage: A mortgage with payments due every two weeks, totaling 26 payments a year, two payments more than a mortgage with monthly payments. The two extra payments lowers significantly the interest paid over the life of the mortgage.

Blanket Mortgage: A mortgage that includes more than one piece of real estate

Borrower (Mortgager): An individual who makes an application for and receives funds in the form of a loan and is obligated to repay the loan in full under the conditions of the loan.

Broker: An individual who gets buyers and sellers together and helps in negotiating contracts for a client.

Buy-Down Mortgage: A mortgage loan with a lower than market rate for a determined period of time.

Buyer’s Market: Market conditions that favor buyers. When there are more properties for sale than buyers, sellers may be forced to provide price discounts to close the transaction.

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