Elkhart Mortgage Rates and Information Online from competing Lenders

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Elkhart County salons offer discounts to the unemployed - 22 WSBT
Story Updated: Dec 2, 2008 at 11:46 AM EST ELKHART COUNTY — A group of barbers and hair stylists are offering discounted haircuts to the unemployed, even as their own businesses struggle to make ends meet. Elkhart and all of Elkhart County has ...

Washington student seeks help in court - 22 WSBT
Story Updated: Nov 27, 2008 at 1:39 PM EST At Washington High School’s girls basketball game Friday night against Fort Wayne Luers, Jasmine Watson will be there, wearing green. But the senior hoops star will sit behind the Washington team’s bench ...

'It hit everybody' - Hutchinson News
Most were just children at the time, coming of age amid the Great Depression. But the images of growing up poor during the worst economic times of the nation's history have stayed with this generation of Kansans all of their lives. Dust storms ...

Economic Downturn Hitting Small Town America Hard - CBS 2 Chicago
ELKHART, Ind. (CBS News) ― Beyond Wall Street and Washington D.C., the current harsh economic downturn is having a troubling cascade effect in small towns across America. Rising unemployment, mortgage woes and troubles with credit are causing ...

The number of people filing for unemployment in the area has doubled. - WNDU
According to the state twice as many people have applied for unemployment benefits this September compared to last year in Elkhart and South Bend. That means five thousand more people in Elkhart and South Bend are filing for assistance. Long lines ...

It’s the first and only televised debate for Indiana's Second ... - WNDU
Saturday night incumbent Democrat Joe Donnelly squared off with Republican challenger Luke Puckett. Libertarian candidate Mark Vogel was not be there. It was an hour long debate aired on WNIT in Elkhart. Three panelists asked a variety questions ...

RV stocks dip under the dollar mark - 22 WSBT
Story Updated: Nov 24, 2008 at 12:05 PM EST ELKHART COUNTY — The closing bell showed two RV manufacturers — Fleetwood and Coachmen RV — closed under the dollar mark on the New York Stock Exchange Thursday. Stock watchers say the low numbers are ...

GOP questions Montagano’s finances - Goshen News
FORT WAYNE, Ind. — A Republican Party organization claims that Democratic congressional candidate Michael Montagano’s father has violated campaign financing laws by paying for his son’s living expenses. The National Republican Congressional ...

Economists say state's economic pain will last - Indianapolis Star
Two years ago, Mike Mowrey was pulling down $30 an hour as a model maker at Guide Corp. in Anderson -- enough to support his wife and two children and pay the mortgage on his Madison County house. But when the auto-parts maker, a former General ...

Governor announces plan to help with foreclosers - Hendricks County Flyer
Gov. Mitch Daniels announced this week that the state has developed a plan that will distribute $84 million to help cities and towns across Indiana buy abandoned or foreclosed homes, demolish or redevelop vacant properties, and help low- and moderate ...

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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